Gajiku provides an integrated HR and finance platform offering earned wage access (EWA) and digital employee benefits to enhance workforce retention. The platform automates payroll calculations, including taxes and social contributions, while offering employees features like mobile attendance and expense management. For employers, it centralizes employee data management and provides real-time monitoring of claims and digital loan processes.
Funding
$13.9M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Many employees, particularly those in labor-intensive industries, face financial stress due to infrequent salary payments, limiting their ability to handle unexpected expenses or manage their finances effectively. Traditional payroll processes can also be cumbersome and lack the flexibility to address employees' immediate financial needs.
Solution
Gajiku is a technology platform that provides Earned Wage Access (EWA), enabling employees to access their earned but unpaid wages on demand, thereby improving their financial well-being and reducing financial stress. The platform integrates mobile attendance tracking, expense management, and employee loan management, streamlining HR and payroll processes for employers. By offering on-demand wage access, Gajiku helps companies improve employee retention and productivity by alleviating financial pressures. The platform also offers digital products such as prepaid phone credit and electricity tokens via EWA.
Target Audience
Gajiku primarily targets large enterprises with over 1,500 employees, especially those in labor-intensive sectors, aiming to improve employee financial flexibility and reduce turnover.
Features
- Earned Wage Access (EWA) allows employees to withdraw already-earned wages anytime, 24/7.
- Mobile attendance tracking with one-click check-in/check-out.
- Expense management module for monitoring and processing employee expense claims.
- Employee loan management to digitize and streamline the loan application and disbursement process.
- Digital product purchases (e.g., prepaid phone credit, electricity tokens) via EWA.
- Employee database management for organizing employee information, payroll data, and career progression.
- Automated payroll calculations, including salary, benefits, income tax (PPh 21), and social security (BPJS) contributions.
- Real-time monitoring of expense claims and employee loans.