Info Aplikasi Keuangan, Saham, Forex Teknik Penghasil Uang Online
Artikel diperbarui pada 19 March 2024.
Your business is in trouble and in danger of going out of business? Need a loan in a short time but not high interest? Try using the OJK sharia online loan application, guaranteed safe and not burdensome for you!
Financial difficulties have forced us to use online loan applications as a quick solution to get money. Not wrong, but be careful, make sure you use the OJK online loan application, yes! What is the difference between OJK online loan applications and regular online loan applications?
Using an online loan application that has not been registered with OJK is very dangerous, for several reasons such as ;
- High interest rates
- Personal data is prone to leakage
- Administrative costs that are not transparent
- No consumer protection
- Inhumane debt collection
The points above will have an impact on the amount of debt billed in the future (can be 10x to 100x greater than the original loan amount), personal data that is spread on the internet (personal data leaked on the internet can be used by others for fraudulent acts etc.), to the possibility of danger threatening when debt collectors come to collect.
Therefore, if you do not want to enter the abyss of hell, it is better to use the OJK sharia online loan application which certainly guarantees our safety as consumers, without usury, transparent and clear so that the amount of debt charged to you will not swell.
So, what OJK sharia online loan applications can help solve your financial difficulties? Below is the list.
Daftar Isi
7 OJK Sharia Online Loan Applications
1. Investree
The first OJK sharia online loan application is Investree. This Investree application is a pioneer of peer to peer companies in Indonesia. After the success of the conventional loan program, Investree is now expanding by creating a sharia loan mode.
Investree is suitable for those of you who intend to start a business, because the sharia loan offered by this application is working capital financing on current bills.
Loans that are approved are not arbitrary. Only businesses that do not contain haram elements are accepted by Investree (business modes for cigarettes, liquor, drugs, gambling, prostitution, non-halal meat processing, and non-sharia hotels cannot apply for loans at Investree).
Unfortunately, Investree prioritizes loans to companies or government agencies only. If you have a company that is already registered and needs funding, you can take advantage of this OJK online loan application.
Please note that Investree is not the party that will lend you funds, yes. Investree is just a bridge between you and the borrower. The fees charged include wakalah fees, marketplace, and notary fees. Take it easy, all fees will be listed in detail and clearly.
2. Dana Syariah
The next OJK sharia online loan application is Dana Syariah. Dana Syariah, which stands under the umbrella of PT Dana Syariah Indonesia, is also a P2P lending company just like Investree.
If Investree focuses more on lending funds to companies, then Dana Syariah chooses MSMEs as its target, although for now Dana Syariah is focusing on funding property projects first. Dana Syariah will help investors to conduct a thorough screening of business projects and individual businesses to be funded.
Currently, Dana Syariah has a total of 71,713 lenders with total funding of up to 408.35 M in the current year. Being a lender or a borrower is equally beneficial.
3. Ammana
PT Ammana Fintek Syariah has given birth to the OJK sharia online loan application, Ammana. Ammana itself focuses on MSMEs that need business capital.
Ammana uses a non-direct funding system, so borrowers are required to be an MSME player who is also part of Ammana’s micro sharia finance partner members. This means that Amanna conducts a fairly strict selection even before you apply for a loan.
The borrower who later receives funds from the lender will do profit sharing from the business income generated.
One of Ammana’s flagship products is Paylater.
Paylater is a sharia installment program that is present to make it easier for you to shop on several platforms such as Link Aja, Bhinneka.com, and so on in collaboration with Ammana.
By using paylater, you can buy the items you need first and pay them later to Ammana (can be paid directly or in installments) without having to pay interest or use collateral.
You can visit the Ammana.id website for more information.
4. ALAMI Sharia
The next OJK sharia online loan application is ALAMI Sharia. It uses an invoice financing or factoring system where you as a potential recipient of funds create invoices to be submitted to potential investors.
The criteria that must be owned by the borrower are:
- Company in the form of CV, PT or foundation running operational activities that are not contrary to Islamic law.
- Established for at least 1 year and located in JABODETABEK.
- The company is required to attach a bank statement for the last 6 months.
- Have a post-dated giro, and collateral
With the following loan features:
- The minimum funds that can be disbursed are IDR 50,000,000 and a maximum of IDR 2,000,000,000.
- The value of financing disbursed is based on the value of the invoice submitted by the recipient, ALAMI will fund a maximum of 80% of the proposed funds
- Invoice financing tenor is 1 to 6 months
If your invoice is approved, the financing request will be placed on a waiting list for 14 days. And if within 14 days the expected funds are not collected (at least 55% collected to be forwarded to the recipient of the funds) then you have the right to apply for cancellation, take the collected funds or apply for an extension of time.
You can get more clear information by visiting the alamisharia.co.id website or downloading the application in the playstore.
5. Duha Syariah
Duha syariah is one of the most popular OJK sharia online loan applications. Of course, because it is easy and has several types of sharia financing.
Two types of financing at Duha Syariah, namely:
- Consumptive financing: Installment system with a tenor of 3, 6, 9, 12 months to pay for all goods / services that you buy in the marketplace or e-commerce that has collaborated with Duha Syariah. The financing limit is 20,000,000
- Religious trip financing: Installment system with a tenor of 12, 18, 24 months for Umrah trips or religious tours in collaboration with Duha Syariah with a limit of 30,000,000.
Check at duniahalal.com to find out the marketplace, e-commerce or merchants that work with Duha Syariah. Also note, that this OJK online loan application does not provide loans in the form of cash but financing for the purchase of goods, services and religious tourism.
What are the requirements for applying for financing at Duha Syariah?
- Work in a company / institution that collaborates with Duha Syariah
- Download the Duha Syariah application
- Fill out personal information, and want to include a bank statement for the last 1 month
- Indonesian citizens aged 21 years, or Indonesian citizens under 21 years of age who are married
- Domicile JABODETABEK, Bandung, Lampung, Palembang, NTB
- Permanent net income of at least 3 million per month
Please visit the website or download the application directly to find out detailed information.
6. Qazwa.id
The OJK sharia online loan application this time is Qazwa.id made by PT Qazwa Mitra Hasanah. Moves to find capital for MSME players in various sectors.
Qazwa provides financing with a supply chain financing scheme where working capital financing involves your business chain. For example, if you are a shop owner then apply for financing by including your shop supplier information. If you are a supplier, include a list of your regular customers.
Apply for your financing to Qazwa to be assessed for eligibility, if passed then Qazwa will conduct a campaign to attract investors to your business.
With two types of contracts used, namely:
- Mudharabah Accord
- Muharabah Accord
Please visit Qazwa.id for more information.
7. Papitupi Syariah
This OJK sharia online loan application is organized by PT Piranti Alphabet Perkasa, named Papitupi Syariah. Officially joined the OJK list in 2020.
Papitupi syariah offers a loan product, Papifund, which runs according to sharia.
- Papifund: Financing with a Murahabah contract that can be paid in installments according to the desired time period. Can be used for various needs such as schools, motorized vehicles, business capital to medicine.
Requirements for obtaining financing at Papitupi Syariah:
- Work in a company that cooperates with Papitupi.
- Indonesian Citizen
- Working period of two years
- 21 years old and above or married
To get a loan from Papitupi you need to download the application first in Playstore, then fill out the application form, the company will then validate the data to be analyzed by Papitupi. If your application is accepted, the contract process will take place through the application and then the funds will be disbursed and sent to the registered account number.
Closing
Those are the 7 OJK sharia online loan applications that you can download. The above applications have proven to be trusted, safe, and will not burden you as a borrower. However, you still need to be careful in applying for a loan and make sure not to trust any third party.