Lending software for Indonesia

Southeast Asia’s largest market, with OJK-licensed lenders, SLIK data and repayments by virtual account or minimart. lendhero arrives with SLIK OJK, Dukcapil verification and BI-FAST already connected, so your team configures products instead of plumbing.

See the local stack
  • IDR (Rp)
  • Indonesian, English
  • 16 local connectors
  • 1–2 weeks to launch

Halo, Siti

ApprovedRp5.000.000

815

Credit score

On-time payments

Monthly paymentRp492.000

Market profile

Indonesia at a glance

What lendhero is set up for in Indonesia before your team logs in.

Currency

IDR (Rp)

Languages

Indonesian, English

Supervisor

OJK

Credit data

SLIK OJK, Pefindo Biro Kredit, CLIK

Payout rails

BI-FAST, QRIS, e-wallets

Data protection

the PDP Law

16
local connectors wired in before kickoff
IDR
for pricing, payouts and repayments
1–2
weeks from kickoff to the first loan
2
interface languages: Indonesian, English

Working with borrowers in Indonesia

Tools for every borrower conversation

Borrowers in Indonesia apply, sign, pay and come back for repeat loans in Indonesian and IDR.

Applications in minutes

Borrowers apply on the web or in the app, and staff file applications from the back office. A half-filled form waits for them to come back.

New application

Draft saved
Step 2 of 4 · Personal detailsStep 2/4

Reminders that get read

Approvals, due dates and overdue notices go out by WhatsApp Business and Qontak automatically.

Your application is approvedWhatsApp Business
Your payment is due tomorrowQontak
New receipt in your portalInfobip

Rewards for repeat borrowers

Points for on-time payments, promo codes for campaigns and manual adjustments by staff.

WELCOMEfirst loan
Bonus balance1,240 pts

A portal for repeat loans

Repeat borrowers reapply without retyping data, extend or repay from their phone.

Extend loan
Repay early
Refinance

Contracts without paperwork

Loan agreements, extension requests and receipts are generated and e-signed in Indonesian.

Loan agreementSigned
Extension requestReady
Payment receiptDraft

Decisioning

Decisions in seconds, explained in plain words

Third-party and built-in checks run in one flow, for individuals and businesses. Every approval and decline shows the rules and scores behind it.

  • Every check in one passAnti-fraud, identification, credit bureaus, sanctions and digital footprint.
  • Rules you can readYour team can answer any borrower about why.

Application #48213

Siti · Consumer loan, 6 months · Rp5.000.000

Approved
Credit score712
  • IdentityVerified
  • Anti-fraudPassed
  • Credit bureau712
  • Debt-to-income31%
  • Sanctions & watchlistsClear
Decision time28 s

Local stack

The Indonesia stack, connected before kickoff.

lendhero ships with the connectors lenders in Indonesia use every day, from SLIK OJK to Virtual accounts. New ones are added through the open API.

  • Credit bureaus & registries3 connectors
    • SSLIK OJK
    • PPefindo Biro Kredit
    • CCLIK
  • Identity & KYC3 connectors
    • DDukcapil verification
    • VVIDA
    • PPrivy
  • Bank & alternative data2 connectors
    • BBrankas
    • AAyoconnect
  • Disbursement rails3 connectors
    • BBI-FAST
    • QQRIS
    • ee-wallets
  • Repayments & collections3 connectors
    • VVirtual accounts
    • QQRIS
    • AAlfamart and Indomaret
  • Messaging3 connectors
    • WWhatsApp Business
    • QQontak
    • IInfobip
  • E-signature2 connectors
    • PPrivy
    • VVIDA

Checks and payments

Who borrows and how money moves in Indonesia

Applicants are checked with SLIK OJK and Pefindo Biro Kredit, and money moves via BI-FAST and QRIS.

Client checks

Checks connected in Indonesia:

  • Anti-fraud servicesDevice, behaviour and blacklist checksPass
  • Identity verificationDukcapil verification, VIDA, PrivyPass
  • Credit bureausSLIK OJK, Pefindo Biro Kredit, CLIKPass
  • Government registriesNational ID and tax registriesPass
  • Bank and alternative dataBrankas, AyoconnectReview
  • Additional data sourcesTelco, open banking and your own listsAuto

Payment infrastructure

Payment rails connected in Indonesia:

DisbursementBI-FAST, QRIS, e-wallets in IDR
RepaymentVirtual accounts, QRIS, Alfamart and Indomaret
Status checksEvery payment tracked until it settles
Reversals and refundsCancel or refund with a full audit trail
  • BI-FAST
  • QRIS
  • e-wallets
  • Virtual accounts
  • Alfamart and Indomaret

Loan servicing

Every loan and every repayment on one screen

Edit terms, recalculate interest, apply penalties and follow the full schedule without exporting anything.

  • Automatic calculations for every loanInterest, fees and penalties in IDR are calculated by a dedicated engine with 200+ configurable parameters. Staff can still adjust any amount by hand, and every change is logged.
  • Loan products in minutesSet up consumer, instalment and business products with their rules and scenarios in the admin panel, without a release.
  • Notifications tied to every calculationEach due date, penalty and recalculation sends the right message to the borrower and your team.

Loan #48213

Rp5.000.000

On track
Auto-calculated · 200+ parametersManual edit
Repaid Rp1.783.330 of Rp5.350.0002 of 6 payments
DateAmountStatus
Sep 4Rp891.670Paid
Oct 4Rp891.670Paid
Nov 4Rp891.670Due in 7 days
Dec 4Rp891.670Upcoming
Jan 4Rp891.670Upcoming
Reminder sentYour payment of Rp891.670 is due Nov 4

Loan flow

How a loan runs in Indonesia. Five steps, all local.

  1. 01ApplyBorrowers apply on the web, in the app or via WhatsApp, with forms in Indonesian and English.
  2. 02VerifyIdentity and documents are checked through Dukcapil verification and VIDA.
  3. 03DecideScorecards pull SLIK OJK and Pefindo Biro Kredit data and return a decision in seconds.
  4. 04DisburseFunds go out via BI-FAST or QRIS in IDR, straight after signing.
  5. 05CollectRepayments arrive via Virtual accounts and QRIS, with reminders over WhatsApp Business.

Portals

One platform, three portals

Everyone works in the same system and sees only what their role allows.

My loan

Rp5.000.000

Next payment

Rp891.670 · Nov 4

Pay now

Extend loan

Customer portal

Borrowers apply, repay, extend and track loans online.

Applications

SitiVerifierApproved
Daniel O.AnalystReview
Maria L.RiskApproved
Tomas K.AnalystDeclined
Lena P.VerifierReview

Staff portal

Managers, analysts, risk, verifiers and collectors work side by side.

Role · Verifier

12 users
View applications
Verify documents
Approve loans
Edit loan terms
Export reports

Super-admin portal

Products, roles, permissions and rules change without a release.

Products

What lenders in Indonesia launch on .

Consumer instalment loansCash loans with SLIK checks.
BNPL & POSPaylater for e-commerce and offline retail.
P2P lendingLPBBTI platforms licensed by OJK.

Compliance

Configured for OJK and the PDP Law.

lendhero is software: the licence stays yours. We set the platform up for the rules you operate under in Indonesia.

Hosting & data residency

Cloud or on-premise deployment, with data stored where the PDP Law requires.

Consent & privacy

Borrower consents are captured, versioned and logged under the PDP Law.

Pricing & disclosures

Rates, fees and cost-of-credit disclosures set per product for OJK rules.

Audit trail

Every decision, edit and message is logged for internal and external audits.

More markets in Southeast Asia

All Asia markets

Questions

Frequently asked

Didn’t find the answer? Write to us and we’ll reply within one business day.

Can lendhero run a lending business in Indonesia?+

Yes. The platform is set up for IDR, Indonesian and English and OJK requirements, with 16 local connectors ready on day one.

Which credit data sources are connected in Indonesia?+

SLIK OJK, Pefindo Biro Kredit, CLIK. On top of that, identity checks run through Dukcapil verification, VIDA and Privy and bank data comes from Brankas and Ayoconnect.

How do borrowers get paid and repay?+

Payouts go out via BI-FAST, QRIS and e-wallets in IDR. Repayments arrive via Virtual accounts, QRIS and Alfamart and Indomaret, with reminders over WhatsApp Business and Qontak.

How long does a launch in Indonesia take?+

Usually 1–2 weeks from kickoff to the first loan, including connecting 16 local services, product setup, staff training and a test run.

Can we run several countries on one platform?+

Yes. One installation serves several countries, each with its own currency, products, languages and local connectors.

Book a demo

Lending in Indonesia? Let’s plan the launch.

We’ll walk you through the platform, show what matters for your products and answer questions about your business.

  • A 30-minute call
  • A walkthrough on your products and markets
  • Answers on timeline, integrations and pricing

Tell us about your lending

We reply within one business day.

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