Dana Kawan-Koperasi Pinjam

🏢 About Dana Kawan
Dana Kawan is an application owned by CIBODAS MAJU BERSAMA SAVINGS AND LOANS COOPERATIVE that provides online savings and loans specifically for cooperative members.
This service is designed to help meet members' financial needs, whether for daily needs, urgent needs, or business development. The application process is carried out online with simple steps, without collateral, and funds are disbursed after verification and all requirements are confirmed.

🔒 Safe and Transparent Service
Dana Kawan operates the cooperative in accordance with applicable regulations. Information regarding interest, fees, terms, and payment obligations is provided openly through the Terms & Conditions page and the Installment Simulation feature.
Members can check the estimated payments before deciding to apply for a loan.

⚡ Service Advantages
• No collateral — applications do not require assets or goods as collateral.
• Simple application process — steps are simplified for ease of use.
• Fast disbursement — funds are processed after verification and all requirements are met.

• Competitive interest rates — interest information is clearly displayed to members.
• Flexible tenors — payment term options are available depending on the product.
• Customer Care — support services are available to assist users.
• Data protection and privacy — user information is managed with data security in mind.

ℹ️ Loan Information
• Online loan amount range: IDR 1,000,000 - IDR 20,000,000
• Online loan term: 91 days minimum, 180 days maximum
• Online loan interest: up to 18% per year (0.05% per day)
• Other fees: No additional fees

🧾 Loan Calculation Example
If a user chooses a loan of IDR 2,000,000 and a term of 120 days (4 months), the calculation is:
• Daily interest: IDR 2,000,000 * 0.05% = 1,000
• Monthly interest: IDR 2,000,000 * 0.05% * 30 = 30,000
• Total interest (120 days): IDR 30,000 * 4 = 120,000
• Monthly payment: IDR 2,000,000 / 4 + IDR 30,000 = IDR 530,000
• Total repayment (120 days): IDR 530,000 * 4 = IDR 2,120,000

🛡 Fee Transparency
All information regarding interest, fees, payment amounts, and calculation examples are available on the Terms & Conditions page and the Installment Simulation feature.
Users are advised to review the simulation first to understand the estimated installments before applying for a loan.

👥 How to Become a Cooperative Member
To use Dana Kawan services, prospective members must meet the following requirements:
• Be an Indonesian citizen;
• Be 18 years of age or older;
• Have an ID card;
• Share the same goals as the cooperative;
• Fulfill savings or mandatory deposit obligations as stipulated by the cooperative.

💳 Payment and Fund Disbursement Options
Payment and fund disbursement services are available through:
• BNI
• Mandiri
• Alfamart

⭐ Benefits of Dana Kawan SAVINGS AND LOAN COOPERATIVE
Provides economic benefits to members through cooperative business activities.
Supports financing needs for SMEs and members' productive activities.
Helps meet the financial needs of cooperative members according to regulations.
✅ How to Use the Service
Download the Dana Kawan application from the Google Play Store, then register and complete your data.
Use the Installment Simulation feature to see estimated fees, interest, and installment schedules before applying for a loan. For complete information, users can read the Terms & Conditions page in the application.

✉️ Help Desk
Email: [email protected]
Business Hours: 9:00 AM - 6:00 PM WIB
Address: WTC Mangga Dua, UG Floor, D60 - 61, Jl. Mangga Dua Raya
Ancol RT. 000 RW. 000, Ancol, Pademangan, North Jakarta Administrative City, DKI Jakarta