SUMMARY OF PRODUCT AND SERVICE INFORMATION (RIPLAY) GENERAL CASH LOAN KREDIONE
PT INOVASI TERDEPAN NUSANTARA
PT Inovasi Terdepan Nusantara (KrediOne) is a Peer-to-Peer Lending Service Provider Based on Information Technology (LPBBTI) or an online peer-to-peer lending platform that offers unsecured loan facilities. As an online peer-to-peer lending platform, KrediOne serves as a meeting point between Indonesians in need of bridge funding or other financial necessities and lenders. Our spirit is to become a secure and inclusive financial service that actively supports the economic growth of Indonesian society.
PT Inovasi Terdepan Nusantara, as the provider of KrediOne, is an Indonesian legal entity that is licensed and compliant with the regulations and requirements of Otoritas Jasa Keuangan (“OJK”). KrediOne is supported by an advanced Data Security System, ensuring the safety and security of customer data in transactions.
PRODUCT TYPES AND KEY FEATURES
KrediOne Cash Loan is a loan application service that provides unsecured cash loans with installment-based repayments. This product is available to all activated KrediOne loan recipients who wish to apply for a cash loan within their approved credit limit.
MAIN PRODUCT
This product is available to all prospective KrediOne loan recipients who already have a credit limit and can utilize it to obtain a loan.
PRODUCT BENEFITS, RISKS, AND FEES
BENEFITS
The KrediOne Cash Loan product can be used by prospective loan recipients to meet various financial needs with an easy and fast application process.
FEES
- Interest rates range from 0.03 - 0.3% (including administrative fees) based on the credit risk assessment.
- Late payment interest is 0.3% per day on the outstanding amount and must not exceed 100% of the principal loan amount.
RISKS
- With the consent of each prospective loan recipient, KrediOne may access, obtain, store, manage, and/or use the personal data and information of the prospective loan recipient (“Data Utilization”) on electronic devices (including smartphones or mobile phones), hardware, software, electronic documents, applications, or electronic systems owned or controlled by the prospective loan recipient. KrediOne will inform the prospective loan recipient about the purpose, limitations, and mechanism of Data Utilization before obtaining the necessary consent.
- Loan recipients must consider the loan interest rates and other associated fees according to their financial capability before using the KrediOne Service.
- Any fraudulent activity is digitally recorded in cyberspace and may be known to the public through social media. It can also serve as valid legal evidence under applicable laws and regulations on electronic information and transactions in dispute resolution and law enforcement processes.
- Prospective loan recipients must read and understand this information before deciding to become a loan recipient on KrediOne. A prospective loan recipient's decision to use the KrediOne Service serves as proof that they fully understand this information.
- OJK is not responsible for any violations or non-compliance by prospective loan recipients, whether due to intent or negligence, regarding the applicable laws and regulations or agreements between KrediOne and the prospective loan recipient.
PROCEDURES AND REQUIREMENTS
REQUIREMENTS
- Indonesian Citizen (WNI).
- Aged between 18 and 55 years.
- Residing in Indonesia.
- Upload a valid Identity Card (KTP) and a selfie photo.
- Own a bank account under the loan recipient's name.
SIMULATION
PROCEDURES
Registration
Download the KrediOne application from Play Store and/or App Store and complete the required personal data.Credit Assessment
The system will automatically assess the prospective loan recipient's credit limit based on the data provided during the registration process.Loan Application
Check the loan limit and apply for the desired loan amount.Approval
Once the loan application is approved, the funds will be transferred to the registered bank account.
ADDITIONAL INFORMATION
- The information contained in this General RIPLAY is the latest provision until a newer General RIPLAY is issued. KrediOne reserves the right to modify the information in this General RIPLAY at any time.
- This General RIPLAY is for reference purposes only to provide an explanation of the cash loan product and does not constitute or intend to create a binding loan agreement.
- Prospective loan recipients must carefully read this General RIPLAY and have the right to inquire with KrediOne at any time regarding this General RIPLAY.
- KrediOne may reject a prospective loan recipient's cash loan application if it does not meet the applicable requirements and regulations.
- Interest rates and/or economic benefits may change at any time in accordance with government regulations and/or policies.
PRODUCT AND SERVICE COMPLAINTS
OPERATING HOURS
Operating Hours
Monday - Sunday 08:00-20:00 WIB
excluding national holidays
OFFICE ADDRESS
Sampoerna Strategic Square North Tower Lt 27
Jl. Jenderal Sudirman No.45 - 46,
RT.3/RW.4, Karet Semanggi,
Kecamatan Setiabudi, South Jakarta
DKI Jakarta 12930
Download the KrediOne App
Our Services
Consumer Complaint Service
021-50880188
Monday - Sunday
08:00-20:00 WIB
Head Office
Sampoerna Strategic Square North Tower Lt 27,Jl. Jenderal Sudirman No.45 - 46, RT.3/RW.4,
Karet Semanggi, Kecamatan Setiabudi, Jakarta Selatan
DKI Jakarta 12930
Customer Service Office
Komplek Arteri Mas No 64 and 64B,Jl. Panjang Arteri Kelapa Dua Raya No.2, RT.2/RW.2,
Kelapa Dua, Kecamatan Kebon Jeruk, Jakarta Barat
DKI Jakarta 11550
Risk Disclaimer
- Information Technology-Based Co-Funding Services are a civil agreement between the Lender and the Loan Recipient, so that all risks arising from the agreement are fully borne by each party.
- Credit risk or default is fully borne by the Lender. No state institution or authority is responsible for this risk of default.
- The Platform with the consent of each User (Lender and/or Loan Recipient) accesses, obtains, stores, manages and/or uses the User's personal data ("Data Utilization") on or in objects, electronic devices (including smartphones or cellular telephone), hardware or software, electronic documents, applications or electronic systems belonging to the User or controlled by the User, by informing the User concerned of the purpose, limitations and mechanism for Utilizing the Data before obtaining the intended consent.
- Lenders who do not have knowledge and experience in lending and borrowing are advised not to use this service.
- Loan recipients must consider the loan interest rate and other costs according to their ability to repay the loan.
- Every fraud is recorded digitally in cyberspace and can be known to the wider public on social media.
- Users must read and understand this information before making a decision to become a Lender or Loan Recipient.
- The government, in this case the Financial Services Authority, is not responsible for any violation or non-compliance by Users, both Lenders and Loan Recipients (whether due to the User's intention or negligence) with the provisions of laws and regulations or agreements or engagements between the Provider and the Provider. Loans and/or Loan Recipients.
- Every lending and borrowing transaction and activity or implementation of an agreement regarding lending and borrowing between or involving the Platform, Lender and/or Loan Recipient must be carried out through an escrow account and virtual account as required under the Republic of Indonesia Financial Services Authority Regulation Number POJK 40/2024 concerning Information Technology-Based Co-Funding Services and violation or non-compliance with these provisions is evidence that a legal violation has occurred by the Platform so that the Platform is obliged to bear the compensation suffered by each User as a direct result of the violation of the law above without prejudice to the User’s rights who suffer losses according to the Civil Code.
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