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

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

LOAN PRODUCTS:
Daily loans with service fees that can be obtained are IDR. 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: IDR 500,000 - IDR 4,000,000
- Money loan tenor: 91-180 days
- Low interest (maximum): 36% per year
- Upfront deductions: none (receipt of funds in full 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
- Total monthly payment = IDR 2,000,000/3 + IDR 60,000 = IDR 726,667
- Total interest: IDR 2,000,000 * (36%/365) * 91 days = IDR 180,000
- Total return costs: IDR 2,000,000 + IDR 180,000 = IDR 2,180,000


How to register as a Funder at IVOJI:
1. Download the IVOJI Application and select as Funder
2. Fill in your personal data correctly and completely.
• Aged 21 - 65 years
• Submit required documents such as KTP photo, NPWP and selfie photo
• Have a personal savings account in your own name
• Have a personal e-mail
• Make sure the data you fill in corresponds to 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 funder
4. Select the profile of the borrower you want to finance
5. Transfer funds according to the nominal amount you want to fund
6. Sign the agreement

How to register as a Borrower at IVOJI:
1. Download the IVOJI Application and select as a Borrower
2. Fill in your personal data correctly and completely.
• Aged 21 - 60 years
• Indonesian Citizen (WNI)
• Submit required documents such as ID card photos 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 corresponds to 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 adjusted to OJK regulations regarding Fintech Lending in Indonesia based on POJK 77 No. 2016

Our Official Services
Email: [email protected]
Service hours: Monday-Friday, 09:00 - 17:00
Saturday - Sunday, closed

Address :
PT. Finansia Aira Teknologi
Jl. H. R. Rasuna Said No.B12 16th Floor Block E2, RT.6/RW.7, Kuningan, Karet Kuningan, Setiabudi District, South Jakarta City, Special Capital Region of Jakarta 12940