Artha Niaga - Koperasi Pinjam

Legal pinjol & fast KTA, Easy, safe Cash from a trusted Loan Cooperative

📌 Artha Niaga — A Savings and Loan Cooperative that provides loan services exclusively for members. It offers a short online member registration process, fast verification, and disbursement according to regulations.

🔒 KSP Artha Niaga is registered, licensed, and operates in accordance with the regulations of the Ministry of Cooperatives. We maintain cost transparency and provide complete information in our Terms & Conditions. Enjoy low and transparent interest rates, with low installments and flexible payments. The entire process is easy and secure, with no collateral required and no additional fees.

⚡ Key Benefits
• No collateral — a simple process with no collateral required.
• Short process & minimal steps — application is easy, fast, and hassle-free.
• Instant disbursement of funds — after verification and requirements are met.
• Competitive interest rates & long tenors — long tenor options for lighter installments.
• 24/7 Customer Care — a support team ready to help at any time.
• Data protection & privacy — data is securely stored, so you don't have to worry.
• Minimal app permissions — only requests permissions that are absolutely necessary for the service to function.

🛡 Fee Transparency
All fees, interest rates, and calculation examples are available on the Terms & Conditions page and in the Installment Simulation feature — check before applying to see the estimated installment amount.

ℹ️ Detailed Information at Artha Niaga
- Online loan amount range: IDR 2,000,000 - IDR 6,000,000
- Online loan term: 91 days minimum, 180 days maximum
- Online loan interest: up to 18% per year (0.05% per day)
- Other fees: No additional fees

🧾 Loan calculation example
If a user chooses a loan with a loan amount of IDR 2,000,000 and a term of 120 days (4 months), after passing verification and receiving IDR 2,000,000, the daily interest payable is: IDR 2,000,000 * 0.05% = 1,000, and the monthly interest payable is: IDR 2,000,000 * 0.05% * 30 = 30,000

In 120 days (4 months), the total interest payable at maturity is: Rp30,000 * 4 = 120,000, and the monthly payment amount is: Rp2,000,000 / 4 + 30,000 = 530,000, and the required repayment amount for 120 days (4 months) is: Rp530,000 * 4 = 2,120,000

👥 How to become a cooperative member?
• Indonesian citizen;
• Over 18 years old;