IVOJI is registered and supervised by the Financial Services Authority (OJK).

IVOJI is officially registered and supervised by the OJK with license number: KEP-73/D.05/2021. We provide a digital financial technology platform that connects lenders and borrowers within a legal and transparent framework, enabling financing and borrowing transactions that generate profits for lenders from the proceeds of loans managed by borrowers.

LOAN PRODUCTS:

Daily loans with service fees ranging from IDR 500,000 to IDR 4 million are available. These loans are intended for employees and small businesses in need of short-term loans.

Loan Specifications:
- Loan amount: IDR 500,000 - IDR 4,000,000
- Loan term: 91-180 days
- Low interest rate (maximum): 36% per annum
- Upfront discount: None (full funds will be disbursed according to the approved loan amount)

Loan Simulation:

For example, for a loan of IDR 2,000,000 with a term of 91 days, the fees charged are as follows:
- Monthly interest rate: 36%/12 = 3%
- Monthly interest: IDR 2,000,000 * 3% = IDR 60,000
- Monthly payment amount = IDR 2,000,000 / 3 + IDR 60,000 = IDR 726,667
- Total interest: IDR 2,000,000 * (36%/365) * 91 days = Rp180,000
- Total repayment fee: Rp2,000,000 + Rp180,000 = Rp2,180,000

How to register as a Lender at IVOJI:
1. Download the IVOJI app and select Lender.
2. Fill in your personal details correctly and completely.
• Be between 21 and 65 years old
• Submit required documents such as a photo of your ID card, Taxpayer Identification Number (NPWP), and a selfie
• Have a personal savings account in your own name
• Have a personal email address
• Ensure the information you provide is accurate. Answer the call from our verification team to verify your information.
3. Wait for approval as an online loan lender.
4. Select the borrower profile you wish to finance.
5. Transfer funds according to the amount you wish to fund.
6. Sign the agreement.

How to register as a Borrower on IVOJI:
1. Download the IVOJI app and select Borrower.
2. Fill in your personal details correctly and completely.
• Be 21-60 years old
• Indonesian citizen (WNI)
• Submit required documents such as a photo of your ID card and a selfie
• Have a minimum income of IDR 3,000,000 per month
• Have a personal savings account in your own name
• Have a person