MariKaya Android

MariKaya is a one-stop lending platform tailored specifically for Indonesian users. Whether you're a small business owner in urgent need of working capital or an individual facing an unexpected situation, you'll find a suitable loan solution here.

Diverse Products, Perfectly Matched to Your Needs

We understand the diverse loan needs of Indonesian users. Therefore, we have established deep partnerships with various licensed financial institutions in Indonesia, carefully curating and integrating a variety of loan products. Here's a detailed overview of our product offerings:

Loan Amount Range: From IDR 1,500,000 to IDR 10,000,000. Whether you need a small amount for a short-term emergency or a large amount for consumption or investment purposes, our platform offers a suitable product.

Loan Term Range: Flexible loan terms ranging from a minimum of 91 days to a maximum of 360 days. You can choose a loan term that suits your financial plan and repayment capacity.

APR Range: The Annual Percentage Rate (APR) ranges from 14.6% to 29.2%, determined comprehensively based on your credit profile, loan amount, and loan term. We are committed to full transparency regarding all interest rates, ensuring no hidden fees and complete clarity throughout your loan journey.
Age Requirements: Applicants must be between 21 and 65 years old; only those who meet the age requirements can apply for a loan.

Smart Application, Streamlined Process

Say goodbye to complicated loan applications. MariKaya uses advanced smart technology to provide a seamless application experience. Simply register and log in through the app, complete your basic details, and our system will quickly assess your creditworthiness using big data and intelligent algorithms to recommend suitable loan products. The entire application process is online, eliminating the need for physical documents and in-person visits, saving you time and effort. Furthermore, our approval process is lightning-fast—some products can be approved and disbursed in as little as 30 minutes, ensuring you receive fast support when you need funds urgently, truly providing worry-free emergency assistance.

Calculation Example: Transparent Cost Summary

To provide a clearer understanding of loan costs, consider the following example:

Assume a loan of IDR 5,000,000 with a daily interest rate of 0.05% for 180 days.

Total interest calculation:

Daily interest = Loan amount × Daily interest rate = IDR 5,000,000 × 0.05% = IDR 2,500

Total interest = Daily interest × Number of days on loan = IDR 2,500 × 180 = IDR 450,000

Total repayment calculation:

Total repayment amount = Loan amount + Total interest = IDR 5,000,000 + IDR 450,000 = IDR 5,450,000

This calculation clearly shows the loan costs and final repayment amount, allowing you to better plan your finances.

Friendly Service, Accompanying You Every Step of the Way

We are not only committed to providing high-quality loan products and services, but also dedicated to creating