Bisnis.comJAKARTA – Online loans or pinjol Currently, it is a popular service and is widely used by the public.

However, to borrow money from Pinjol, you have to be smart and also consider the interest rates. The reason for this is that there are some loans, especially illegal ones, that pay high interest rates, so borrowers find it difficult to pay.

The Financial Services Authority (OJK) regulates legal loans to offer low interest rates, no more than 2 percent.

Several Pinjol start-ups now offer this service, including Kredit Pintar, Akulaku and Tunaiku.

Smart Credit offers loan interest rates starting from 0.83 percent per month. In addition, Akulaku offers an interest rate of 0.88 percent per month and Tunaiku loans with an interest rate of 1 percent per month.

Although they are start-up companies, the three are under the supervision of the OJK to provide their customers with a sense of security.

So who is behind these three companies?

1. Smart Credit

Kredit Pintar was founded by Wisely Reinharda Wijaya. He is currently President Director at Kredit Pintar. Wisely holds a bachelor’s degree in materials science and engineering from Beihang University.

His interest in the world of fintech and its various developments led him to found Kredit Pintar Indonesia.

In his position and with his strong expertise, Wisely aims to advance the Indonesian economy by making Kredit Pintar an inclusive financial solution in Indonesia.

2. Akulaku

The founder and CEO of Akulaku is William Li, who studied at Tsinghua University and has a legal background.

William had a career as a lawyer before founding Akulaku. However, because he wanted to change the world of finance, he founded Akulaku in 2014.

Akulaku was founded in Indonesia to meet the needs of the Indonesian population who have difficulty meeting traditional credit requirements. Then, in 2016, the Akulaku application developed not only in Indonesia but also in Malaysia and the Philippines.

3. Let me cash out

Tunaiku was founded by Bank Amar Indonesia Director Wishal Tulsian. An Indian citizen, he graduated from the University of Liverpool with a Master of Business Administration and completed Harvard Business School’s Executive Management Program in 2015.

In addition to building Tunaiku, Vishal served as Department Head of PT Bank Amar Bank Indonesia from December 11, 2015 to July 2019. From July 29, 2019, he served as President and Director.

Vishal himself founded Tunaiku in 2014 because he recognized the huge potential for the use and development of fintech in Indonesia.

He founded Tunaiku to meet the needs of people who do not have access and can only meet the requirements for loans between IDR 2 and 10 million.

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