YukKaya

YukKaya is Indonesia's leading smart credit platform, leveraging AI-based risk management and big data analytics to provide users with customized and affordable funding solutions to support individual growth and the development of MSMEs.
Key Product Benefits
Ultra-Flexible Funding Pool
"Flexible Credit Limit": Users can choose products with different credit limits to suit their funding needs.
"Stacked Loan": After timely payments and improved credit scores, users can apply for multiple loans simultaneously with independently set repayment cycles (e.g., one loan with a 90-day cycle and another with a 360-day cycle) to meet different goals.
"Smart Matching": The system automatically recommends repayment schedules that align with the user's income cycle (e.g., payday, business billing dates) to minimize default risk.

Fast Approval and Disbursement
The AI ​​risk management system completes credit assessments in 10 minutes; 90% of applications receive results within 2 hours.
Fully Online Process
All procedures are completed digitally, eliminating the hassle of physical queues.

II. Target Market
Microbusiness owners and sole traders: Need flexible working capital to reduce financing costs.
New professionals and freelancers: Experience income fluctuations and seek flexible payment solutions.

Young users and new immigrants: Need quick credit history building and integration into the local financial ecosystem.
Agricultural practitioners: Need seasonal financing aligned with crop growth and sales cycles.

III. Eligibility Criteria
Basic Requirements:
Age 21-65, Indonesian citizen or long-term residence permit holder.
Have a stable source of income (e.g., salary, business, agricultural income).

Credit Requirements:
No record of serious delinquencies (no more than 3 delinquencies in the last 12 months).

Adequate credit score (comprehensively evaluated through ID card, etc.).
Document Requirements:

ID card/residence permit.

IV. Product Information

Loan Amount: IDR 3,000,000 - IDR 35,000,000.

Loan Term: 91 days - 360 days.

Interest Rate Range: APR 18.25%-25.55%, dynamically adjusted based on credit score.

Fee Example

Loan Amount: IDR 5,000,000, Daily Interest Rate 0.05%, Loan Term 91 days

Total Interest: IDR 227,500

Total Repayment Amount: IDR 5,227,500
Note: This example is for illustrative purposes only. Actual figures will vary depending on the application page. This platform does not charge intermediary fees.

YukKaya – Smart Credit, making greater financial freedom easier!