PinjolWise: Kalkulator Pinjol

PinjolWise is a financial utility app and independent educational guide designed to help you analyze loan cost transparency, calculate real interest rates, check the legality of fintech lending platforms, and independently measure your debt burden ratio.

IMPORTANT: PinjolWise is NOT a loan provider, does NOT distribute loan funds, and is NOT a P2P lending institution. This app functions purely as a mathematical calculation tool, financial education guide, and verification of official permits.

Why Use PinjolWise?
Borrowers often fall prey to high hidden interest rates or non-transparent administrative fees. PinjolWise provides complete transparency before you make important financial decisions.

KEY FEATURES OF PINJOLWISE:

1. Loan Simulation Calculator & Real Costs
• Calculate estimated online loan repayment with daily or monthly terms.
• Calculate upfront administrative fees and actual net funds received.
• Transparent Annual Effective Interest Rate (APR) in accordance with financial regulator limits.
• Transparent mathematical formulas without bias.

2. OJK Legality Radar Directory
• Database listing officially licensed peer-to-peer (P2P) lending fintech platforms.
• Verify legal status, business entity name (PT), and permit number.
• Filter conventional and sharia categories.
• Education on CAMILAN (Camera, Microphone, Location) mobile data access permissions to identify indications of illegal loans.
• Quick access to the official OJK WhatsApp verification contact channel 157.

3. Debt-to-Income (DTI) Ratio Calculator
• Evaluate the percentage of your monthly installment burden to your total net income.
• Visual indicator of your financial health risk level (Safe, Caution, High Risk).
• Helps prevent the trap of over-indebtedness (default due to excessive installment accumulation).

4. Financial Readiness Checklist
• Self-assessment checklist before applying for a new loan.
• Evaluate emergency fund readiness, urgency of need, and monthly payment ability.

5. Financial Guidance & Education
• Collection ethics guide in accordance with POJK Regulation No. 10/POJK.05/2022.
• Education on steps to negotiate financial obligation restructuring on official platforms.
• Steps to protect personal data privacy on mobile phones.
• Education on understanding the collectibility credit score of the Financial Services Information System (SLIK).

100% PRIVACY AND SECURITY:
• No Account/Registration Required: You don't need to log in or enter your ID card details.
• Offline-First & Zero Data Collection: All calculations are processed locally on your device. PinjolWise does not store your personal financial data on its servers.
• Minimal App Permissions: The app does not request permission to read your phone book contacts, photo gallery, or SMS messages.

MATHEMATICAL CALCULATION SIMULATION EXAMPLE (EDUCATIONAL ILLUSTRATION):
• Principal Amount Requested: IDR 3,000,000
• Tenor: 30 Days
• Administration Fee (5%): IDR 150,000 (Deducted upfront, net funds received = IDR 2,850,000)
• Interest Rate (0.3% per day): IDR 270,000
• Total Refund: IDR 3,270,000
*The calculation above is a mathematical simulation example for educational purposes and to ensure cost transparency. The actual interest rates and terms on each fintech platform refer to the official agreements of each licensed provider.

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DISCLAIMER / LEGAL STATEMENT:
PinjolWise is an independent financial utility and literacy platform. PinjolWise does not distribute loans, does not act as a loan intermediary (broker/lender), and does not collect commissions for credit applications. All directory information refers to public data from official regulators for public education and consumer protection purposes.