Danai.id - P2P Lending

P2P Lending Platform, Employee Loan and Funding

Danai.id is a P2P Lending application that facilitates lenders to be able to carry out funding, manage funding portfolios and carry out transactions online.

Experience the ease of innovation in managing funding portfolios from Danai.id which is supported by other interesting features,
1. Funding starts from IDR100K
2. Funding returns up to 18% p.a
3. Credit classification according to risk level.
4. Simple display that provides a direct view of the portfolio and its risk rating.
5. Pay electricity bills and top up credit for all Indonesian telecommunications providers at any time.
6. Transfer money to all banks in Indonesia.

Danai.id has been registered and supervised by the OJK with registration number S-960/NB.213/2018 and has an SNI ISO 27001:2013 certificate and is registered as a member of AFPI

* Information About Loans *

✦ Loan Amount (Ceiling) IDR 3 million - IDR 30 million
✦ Monthly interest rate 1.89 - 2.19%
✦ Annual interest rate 22.68 - 26.28%
✦ Tenor 3 - 24 months
✦ Provision fees 4% - 5%
✦ Insurance fee 1.4% - 1.7%
✦ Late fee 2% of the outstanding amount

*Loan Simulation*

✦ Provision Fee: (Provision Fee * Ceiling)
✦ 5% x IDR 10,000,000 = IDR 500,000
✦ Insurance Cost: Insurance Cost * Ceiling
✦ 1.7% x IDR 10,000,000 = IDR 170,000
✦ Initial loan installment interest: (Interest Rate / Tenor) x Ceiling
✦ (2.19 / 12) x IDR 10,000,000 = IDR 1,825,000
✦ Monthly Installments: (Ceiling + Interest) / Tenor
✦ IDR 11,825,000 / 12 = IDR 985,417 per month
✦ Ceiling received after Cost Deduction: Ceiling - (Provisions) - (Insurance)
✦ IDR 10,000,000 - IDR 500,000 - IDR 170,000 = IDR 9,330,000 including fees