PinjamDuit Interface Integration and Open Finance Solutions

Protocol analysis, compliant integration, and runnable API source delivery based on OpenData/OpenFinance — for the Indonesian market and global access

Starter service $300 · Payment upon delivery acceptance
OpenData · OpenFinance · Protocol Analysis · OJK Compliance

Securely and compliantly integrate PinjamDuit's lending capabilities into your systems

We provide end-to-end delivery from protocol reverse-engineering/analysis (within authorized scope) to OpenAPI / SDK, and automated reconciliation scripts, supporting E-KTP verification, application workflows, interest rules, and repayment reconciliation.

Credit & Application Interfaces — standardized application forms, identity verification (E-KTP), phone/WhatsApp verification, scoring and approval callbacks.
Interest & Fee Engine — supports daily interest rate and APR calculations, daily service fees, and precise calculations and simulation APIs for installment plans.
Reconciliation & Repayment Callbacks — supports bank/ATM/Internet Banking/Minimart reconciliation data extraction and automatic repayment confirmations.
Contact for Integration View Deliverables

Function Modules and Sample Deliverables

Standard Deliverables

  • OpenAPI (Swagger) documentation and interface mock server
  • Protocol analysis report (authorization flows, data fields, anti-fraud points)
  • Runnable examples: Node.js / Python SDKs and deployment scripts
  • Automated test scripts (contract testing, load tests, and security scans)
  • Compliance recommendations (OJK/POJK integration, data retention and minimization strategies)

API Example (pseudo-code / API templates)

{
  "POST /api/v1/loans/apply": {
    "headers": {"Authorization": "Bearer <CLIENT_JWT>", "Content-Type": "application/json"},
    "body": {
      "national_id": "3201xxxxxxxxxxxx",    // E-KTP
      "name": "Applicant Name",
      "phone": "+6281xxxxxxxx",
      "amount": 1000000,
      "tenor_days": 180
    }
  },
  "Response": {
    "application_id": "APP-20251001-1234",
    "status": "PENDING/APPROVED/REJECTED",
    "apr": "20.3%",
    "daily_service_fee_pct": "0.24%",
    "repayment_schedule": [{"due_date":"2026-...","amount":...}]
  }
}

Billing & Interest Engine

Supports common interest models: daily interest, monthly amortization, and lump-sum at maturity; supports custom APR mapping, daily service fees and late fee strategies, and outputs installment repayment details (CSV/Excel/JSON).

Our Core Advantages

Compliance & Localization

Familiar with Indonesian regulations and OJK/POJK requirements; can assist with regulatory compliance integration and audit materials (e.g., POJK No. 10/POJK.05/2022).

Rapid Deployment

From protocol analysis to first delivery typically 5-15 business days (complexity depending); supports post-delivery acceptance and ongoing maintenance.

Data Security

Provides least-privilege access, access controls, data-in-transit TLS, and data masking recommendations; NDA and security assessments available.

API Integration Guide (Brief)

Authorization & Authentication

  • Preferred: OAuth2 Authorization Code / Client Credentials (with JWT)
  • Fallback: HMAC-SHA256 signatures (for callback validation)
  • Recommendations: short-lived access tokens, refresh tokens, and IP whitelisting

Common Endpoints Examples

GET  /api/v1/loans/{application_id}
POST /api/v1/loans/apply
POST /api/v1/loans/{id}/confirm-repayment  (callbacks / manual reconciliation)
GET  /api/v1/transactions?from=2025-09-01&to=2025-09-30

Data & Privacy

Requests for E-KTP, phone numbers, and personal data are made only with explicit user consent. Supports consent logs and data minimization retention for regulatory audits.

Contact Information

For inquiries, quotes, or to submit your target app name and requirements, click the button below to visit the contact page：

View Contact Information

Our Delivery Commitments

Deliverables include runnable API source code, OpenAPI documentation, integration instructions, test scripts, and compliance recommendations. NDA and customized enterprise solutions available if needed.

PinjamDuit — Product Overview (Translation & Clarification)

Original description (provided):

Online Loan Product
Loan limit up to Rp 50,000,000
Tenor from 150 to 360 days
Interest from 0.01% per day
APR cap: 20.3% per year
Service fee: 0.24% per day
No additional fees.
For a Rp 1,000,000 loan with a 180-day tenor, the charges are as follows: ... PinjamDuit - An online credit platform WITHOUT COLLATERAL / low-interest loans / high-dimension digital funding across Indonesia, licensed, registered and supervised by OJK. ...

Key Points in English (Summary)

  • Credit limit: Rp 50,000,000
  • Tenor: 150 to 360 days
  • APR cap: 20.3% per year; daily service fee 0.24%
  • No collateral, available nationwide in Indonesia, reported to and regulated by OJK
  • Eligibility: 18+, Indonesian citizen (WNI) with E-KTP, verifiable phone number

Example Interest Calculation (for integration reference — numbers are for illustration)

Example: principal Rp 1,000,000, tenor 180 days, APR = 20.3%, daily service fee 0.24%

// Daily rate (approx) = 20.3% / 365 ≈ 0.0556% per day Daily interest ≈ 1,000,000 * 0.203 / 365 ≈ Rp 556 Daily service fee = 1,000,000 * 0.24% = Rp 2,400 Total interest ≈ 556 * 180 = Rp 100,080 Total service fee = 2,400 * 180 = Rp 432,000 Total fees ≈ 100,080 + 432,000 = Rp 532,080 Maturity amount ≈ Principal 1,000,000 + 532,080 = Rp 1,532,080

Note: The above is a sample using daily rate and daily compounding. Actual product terms may use different interest calculations (rounding, base, fee types); rely on PinjamDuit API responses for integration.

Product Benefits (Original)

  • No collateral: only E-KTP and personal information required
  • Regulated & trusted: serving over 20 million users under OJK supervision
  • Fast disbursement: streamlined process, quick funding after approval
  • Convenient repayment: supports ATM, online banking, mobile banking, and convenience-store payments with automatic confirmation
  • 24/7 customer service