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

IVOJI has been officially registered and supervised by OJK with license number: KEP-73/D.05/2021. We present a digital financial technology platform that brings together lenders (lenders) and borrowers (loan recipients) in a legal, safe and transparent scope, so as to create a financing and borrowing transaction that can generate profits for lenders from managed loans. by borrowers.

LOAN PRODUCTS:

A daily loan with a service fee that can be obtained is Rp. 500,000 to Rp. 4 million. This loan is intended for employees and small businesses who need a loan for a short period of time.

Loan Specifications:
- Amount of loan money: IDR 500,000 - IDR 4,000,000
- Money loan tenor: 61-90 days
- Low interest (maximum): 36% per year
- Upfront deduction: none (full receipt of funds according to the approved loan amount)

Loan Simulation:
For example, for a loan of IDR 2,000,000 with a term of 61 days, the fees charged are as follows:
- Monthly interest rate：36%/12 = 3%
- Monthly interest：Rp 2,000,000*3% = Rp 60,000
- Monthly payment amount = IDR 2,000,000/2 + IDR 60,000 = IDR 1,060,000
- Total interest: IDR 2,000,000 * (36%/365) * 61 days = IDR 120,000
- Total return fee: IDR 2,000,000 + IDR 120,000 = IDR 2,120,000

How to register as a Lender at IVOJI:
1. Download the IVOJI App and choose as Lender
2. Fill in your personal data correctly and completely.
• Aged 21 - 65 years old
• Submit required documents such as photo ID, NPWP and selfie photos
• Have a personal savings account in your own name
• Have a personal e-mail
• Make sure the data you fill in is in accordance with the actual conditions. Pick up the phone from our verification team to verify the data you filled in
3. Wait for the approval results as an online loan lender
4. Select the profile of the borrower you want to finance
5. Transfer funds according to the nominal you want to fund
6. Sign the agreement

How to register as a Borrower at IVOJI:
1. Download the IVOJI App and select as a Borrower
2. Fill in your personal data correctly and completely.
• 21 - 60 years old
• Indonesian Citizen (WNI)
• Submit required documents such as photo ID and selfie photos
• Minimum income of IDR 3,000,000 per month
• Have a personal savings account in your own name
• Have a personal e-mail
• Make sure the data you fill in is in accordance with the actual conditions. Pick up the phone from our verification team to verify the data you filled in
3. Wait for the online loan approval verification results
4. Funds will be sent to your account

All products managed by IVOJI have been adapted to OJK regulations related to Fintech Lending in Indonesia based on POJK 77 No. 2016.

Our Official Services:
WhatsApp: 08118899125
Facebook: ivoji.id
Instagram: ivoji.id
Email: [email protected]
Service hours: Monday-Friday, 09:00 - 18:00

Address :
PT. Aira Technology Finance
CitraGran CBD Blok FR 01 No. 1 - 17434