UangMe operates a regulated peer‑to‑peer lending platform that lets Indonesian borrowers obtain unsecured personal loans digitally, with funds disbursed to their bank accounts within minutes. The app uses AI‑driven credit scoring and real‑time risk monitoring to match borrowers with individual lenders who earn competitive returns, all under OJK supervision and ISO 27001‑certified data security.
Funding
$46M 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 consumers in Indonesia lack fast, affordable access to credit without collateral, while traditional lenders require extensive paperwork and in‑person visits. At the same time, potential investors have limited safe channels to earn returns by lending directly to borrowers.
Solution
UangMe operates a regulated peer‑to‑peer (P2P) lending platform that connects borrowers seeking unsecured personal loans with individual lenders looking for competitive returns. The service is fully digital: users download the mobile app, complete a simple KYC process, and can receive approved funds in minutes directly to their bank account. All loan products are overseen by the Otoritas Jasa Keuangan (OJK) and comply with the KEP‑4/D.05/2021 licensing framework, ensuring legal compliance and consumer protection. UangMe employs AI‑driven credit scoring and real‑time risk monitoring to assess borrower eligibility and manage portfolio risk, while offering lenders transparent performance data and automated repayment collection. The platform also provides secure data handling certified to ISO 27001, protecting personal information throughout the transaction lifecycle.
Target Audience
Borrowers are Indonesian adults (18‑65) seeking quick, unsecured personal financing for short‑term needs, and individual lenders are retail investors looking for regulated, higher‑yield alternatives to traditional savings products.
Features
- 100 % online loan application and disbursement with funds transferred to the borrower’s bank account within minutes
- Flexible loan amounts (Rp 200 000
- Rp 50 million) and tenors from 30 days up to 12 months, with interest rates starting at 0.2 % per day
- AI‑based credit assessment and real‑time risk monitoring to evaluate borrower creditworthiness and detect fraud
- OJK‑licensed P2P lending framework (KEP‑4/D.05/2021) guaranteeing regulatory oversight and consumer protection
- ISO 27001‑certified data security, including encryption and limited device permissions (camera, location, microphone)
- Transparent fee structure showing interest, service charge, and late‑payment penalties before loan commitment
- Lender dashboard with real‑time portfolio performance, risk level indicators, and automated repayment collection