UangMe – Quick Loans & Secure Lending Platform

ATTENTION
UangMe is a Peer-to-peer (P2P) app that bridging between Lender & Borrower. We do not advise you to use UangMe unless you understand, aware, and willing to accept any risks when using this app

❤Product Information: 
A. Borrow
1. Loan duration: 91 - 120 days
2. Loan ceiling: IDR 400,000 - IDR 4,000,000 
3. Cost:
- Annual interest rate（APR）: 21.9% p.a
- Service fee: 24.3% -32.4% (depending on the total amount of cash credit and payment term)
4. Simulation:
If you borrow Rp. 1.000.000 with a duration of 91 days and pay on time, your repayment for each month is Rp. 427.450, with total repayment for 3 months is RP.1.282.350 = RP.1.000.000+  RP.1.000.000*24.3% (service fee)+Rp.39.350 (Interest fee)
The interest fee formula is RP.1.000.000×[(21.6%/12)×(1+(21.6%/12)) ^ 3]÷{[(1+(21.6%/12)) ^ 3]-1})*3- RP.1.000.000.
and the cost is Rp. 282.350

B. Lending 
1. Period: 61 - 120 days
2. Amount: Rp. 1.000.000 - Rp 2 Billion
3. APR: 18% - 21%
4. Additional cost: None
5. Age: 18+
6. Simulation: If you choose to lend Rp 1.000.000 for 3 months and interest rates 18% p.a, and borrower pay on time, you will get interest of Rp 45.000 so you will receive total economic benefit of Rp 1.045.000

Are you looking for easy loan access or want to gain economic benefit from your asset? All you need is UangMe! Whether its loan or to grow your assets, you can do it here, all within your thumb reach!

❤What is UangMe? 
UangMe is one of the pioneers of Peer-to-Peer platforms in Indonesia that connects between Borrower & Lender. We provide service of Loan for Borrower & Lending for Lender, all within one mobile app!

❤Legality? 
UangMe has been licensed and supervised by OJK since January 2021 with OJK statement letter of KEP-4/D.05/2021. We are also a member of AFTECH and AFPI.

❤Security? 
Our services are complying the regulations of data security from OJK. In addition, our platform has been certified with ISO 27001 since 2019 by Intertek.  

❤Why Choose UangMe? 
1.	Registered and Supervised by OJK, legal and safe 
2.	Strong funding support
3.	Easy registration, all within the app
4.	Loan without collateral
5.	Flexible loan & lending term
6.	Transparent loan & lending information
7.	Intelligent risk control and user assessment, reducing loan risk
8.	Support variety of banks in Indonesia
9.	Safe & secured privacy and user data, supported with ISO 27001 certification

❤User Requirements: 
A.	Borrowing
-	Indonesian nationality
-	Indonesia domicile
-	21 – 55 years old
-	e-KTP
-	Indonesian phone number
-	Indonesian bank account
-	Has stable income

B.	Lending
-	Indonesian nationality
-	Indonesia domicile
-	Minimum 18 years old
-	e-KTP
-	Indonesian phone number
-	Indonesian bank account
-	Clear & legal funding source


❤How to use UangMe? 
1.	Download UangMe from Playstore
2.	Select your purpose (Borrow or Lend)
3.	Register an account with your phone number 
4.	Fill the registration information 
5.	Wait for verification process
6.	You are verified & eligible to loan / lend on UangMe

❤How to pay the loan/lending order? 
You can pay through:
1.	Virtual Account (VA) by bank transfer using ATM / m-Banking / Internet Banking
2.	OTC: via minimarket clerk (for borrower)
Information regarding payment shall be shown on the app and SMS notification.
Our payment VA has been partnered with:
-	BCA
-	BNI
-	Mandiri
-	CIMB Niaga
-	Permata
And many more banks in the future.

❤Customer Service: 
For questions or inquiries, you can reach us on:
1.	Email: 
cs@uangme.com (borrower)
lender@uangme.com (lender)
2.	Hotline:
021-5082 0086

You can also visit us at the office:
1.	Customer Care:
Ruko Graha Azis Unit B.
Jl. K.H. Abdullah Syafei No. 12, RT.12/RW.9, Bukit Duri, Jakarta Selatan, 12840
Monday – Friday (09:00 – 17:00)

2.	Business & Partnership:
AIA Central Lt. 32
Jl. Jend. Sudirman No.Kav 48A, RT.5/RW.4, 
Karet Semanggi, Setia Budi, Kota Jakarta Selatan, 
12930