# KoinWorks Super App Funding — Revolution Investment App > Super financial app for managing investments, deposits, and business loans. (iPhone/iPad app by SEJAHTERA LUNARIA ANNUA, PT.) - Source: https://appshunter.io/ios/app/koinworks-super-app-funding/id1457026579 (this page in markdown: same URL + `.md`) - Developer: [SEJAHTERA LUNARIA ANNUA, PT](https://appshunter.io/developer/1457026578) - Category: Finance, Business - Price: Free - Rating: 3.95/5 from 22 App Store ratings · 60 written reviews indexed - Age rating: 4+ - Requires: iOS 12.0 · 316 MB - Languages: English, Indonesian - Released: 2019-03-24 - Data updated: 2026-08-04 - Monetization: ad-supported - User reviews in markdown: https://appshunter.io/ios/app/koinworks-super-app-funding/id1457026579/reviews.md ## What is KoinWorks Super App Funding? KoinWorks is a super financial app that helps manage your finances with over 8 years of experience, registered and supervised by the OJK. #SmartInvestment Register using only your ID card and choose the financial products that suit your needs. Enjoy the ease and convenience of selecting various financial investment products with competitive returns to help you achieve your financial dreams with a wide range of benefits. The KoinWorks app offers a variety of investment products, from P2P funding to KoinWorks Bank BPR Deposits. KoinDeposito by KoinWorks Bank BPR A deposit with interest rates of up to 6.75% p.a, guaranteed by the LPS and can be withdrawn at any time. Suitable for low-risk investments #KeuntunganBerlipat compared to regular bank interest. Peer-to-Peer Lending Investment Increase your investment returns by diversifying into Peer-to-Peer Lending, which can yield up to 15% p.a. Starting from just IDR 100,000, with flexible terms starting from just 1 month depending on the available loans. This is ideal for boosting your portfolio’s average yield #KeuntunganBerlipat. Want to know how much you can earn with KoinWorks investments? Download the app and connect with our Financial Consultants, who will help you choose the right investment assets for you. Please note that KoinWorks does not provide financial advice or analysis of your financial situation. You are encouraged to perform your own analysis and seek necessary financial advice before making any investment. All Your Financial Data in One App Combined Portfolio Only one app is needed to see all your diversified investments in KoinWorks. It’s easy and very user-friendly. Financial Reports, Taxes, and Earnings Do you need reports to see your growing finances? We’ve prepared everything in the KoinWorks app. MSME Business Capital Loans - Online business loans up to IDR 2 billion with low origination fees starting at 0.75%, and low effective installment interest starting from 9% per year through KOINBISNIS. Faster cash loan disbursement if you have a healthy credit score. - Speed up client invoice disbursement up to 80% with invoice financing through KOININVOICE loans to keep your cash flow secure. - KOINGAJI helps employees receive early and fast salary loans. Loan Information: - Loan Amount (Plafon): IDR 1 million - IDR 2 billion - Monthly Interest: 0.75% - 1.67% (Annual Interest: 9% - 20%) - Term: 6 - 24 months - Origination Fees (based on term): 0.75% - 5% - Administration Fees: IDR 150,000 - IDR 200,000 - Insurance Fees: 0.10% - 1.25% - Late Fees: 6% of the overdue amount (depending on the number of days) Loan Installment Simulation: - Initial loan interest installment: (Value / Term) x Plafon - (0.09 / 12) x IDR 10,000,000 = IDR 75,000 - Loan Amount + Interest: Plafon + Interest - IDR 10,000,000 + IDR 75,000 = IDR 10,075,000 - Monthly Installment: (Plafon + Interest) / Term - IDR 10,075,000 / 12 = IDR 839,583.33 per month - Plafon received after fee deductions: Plafon - (Plafon*Origination) - (Administration Fee) - (Insurance Fee) - IDR 10,000,000 - IDR 75,000 - IDR 150,000 - IDR 10,000 = IDR 9,765,000 including fees Collaboration and Certifications - Financial solutions and reports - Registered with OJK, number S.87/MS.72/2020, dated February 10, 2020 - ISO 27001 certification - financial aggregator services Not only do we have certified collaborations, but KoinWorks is also ISO-certified and has won various awards. KoinWorks is registered and supervised by the OJK as Financial Technology Innovation provider (ITSK) ISO 27001 Certified Download now and connect with the best Financial Consultants! Contact Us: WA: +6281703972888 Phone: 150588 Email: support@koinworks.com Address: Cyber 2 Building, 35th Floor, Unit D-E, Jl. HR Rasuna Said, Block X5 No. 13, Kuningan, Setia Budi, South Jakarta ## Key features - P2P funding investments - KoinWorks Bank BPR Deposits - MSME business loans - Invoice financing - Salary loans for employees - Combined portfolio tracking - Financial reports and tax data ## Recent user reviews (10 of 60) All indexed reviews: https://appshunter.io/ios/app/koinworks-super-app-funding/id1457026579/reviews.md ### 1/5 — Apps buat duid ilang *2026-07-04, version 2.2.100* Uang kena standstill = ilang ### 1/5 — Bau2nya mau bangkrut kayanya *2026-04-21, version 2.2.100* Udah gak ada pembayaran yg masuk lagi dari akhir 2025, udah lewat jaman keemasannya. ### 1/5 — Keluhan *2026-04-05, version 2.2.100* Saya ada saldo di dalam aplikasi ini dan tidak bisa di cairkan! hingga tahap pencairan dana, tidak bisa memasukan rekening, sudah komplain berkali kali lewat wa, call center email. jawaban tetap sama tidak ada yang membantu menyelesaikan masalahnya. ### 1/5 — Pembohong *2026-03-09, version 2.2.99* Dana yg sudah masuk jika gagal bayar tidak akan dikembalikan, hanya di restruktur sesuka hati tanpa ada nya persetujuan ### 1/5 — Doesn’t allow to withdraw and charges inactivity fee every month *2026-03-02, version 2.2.99* Tried withdrawing numerous times, but KoinWorks always reject my withdrawal. On top of that, they charge 10k every month for inactivity, so KoinWorks is just eating your money from the fees. ### 5/5 — Good *2026-02-28, version 2.2.99* 👍 ### 1/5 — Rugi *2026-02-13, version 2.2.99* Parah, mau cuan malah rugi, padahal sudah pilih peminjam kelas A, ada 3 pendanaan belum dibayar sudah 3 tahun. Coba lagi pendanaan lain yang A malah dipotong biaya penagihan 30% wkwk lucu bkn untung malah rugi. Kapok ### 1/5 — GAGAL BAYAR *2026-02-01, version 2.2.99* koinrobo nyangkut dari 1 tahun yang lalu & sekarang terancam hilang semua tidak kembali ### 1/5 — Penipu *2026-01-30, version 2.2.99* Jangan pernah pakai aplikasi ini. Dijamin uang kalian akan hilang. Bangsat emang koinworks ### 3/5 — Update upaya koinworks peminjam yg gagal bayar di aplikasi *2026-01-15, version 2.2.97* ini yang uda restruktur habis agustus 2025, habis itu ga ada update lagi upaya dari koinworks seperti apa. bisa di tambahkan di aplikasi? jadi bingung ini upaya penagihannya seperti apa ## Frequently asked questions about KoinWorks Super App Funding ### What types of investment products does KoinWorks offer? KoinWorks offers a variety of investment products including Peer-to-Peer (P2P) Lending with potential returns up to 15% p.a., and KoinWorks Bank BPR Deposits with interest rates up to 6.75% p.a. These are designed to help users achieve their financial goals. ### What business loan options are available through KoinWorks? KoinWorks provides MSME business loans up to IDR 2 billion with low origination fees starting at 0.75%. Options include online business loans, invoice financing through KOININVOICE, and early salary loans for employees via KOINGAJI. ### How secure is KoinWorks? KoinWorks is registered and supervised by the OJK, ensuring a level of regulatory oversight. The app also offers deposits guaranteed by the LPS, providing an additional layer of security for certain financial products. ### Can I see all my investments in one place with KoinWorks? Yes, KoinWorks functions as a super financial app where you can view your combined portfolio. This allows for easy tracking of all your diversified investments within a single, user-friendly interface. ### Does KoinWorks provide financial advice? KoinWorks does not provide direct financial advice or analysis of your financial situation. Users are encouraged to perform their own analysis and seek professional financial advice before making investment decisions. ### What is the minimum investment amount for P2P lending on KoinWorks? You can start diversifying into Peer-to-Peer Lending on KoinWorks with an initial investment of just IDR 100,000. This makes it accessible for users looking to boost their portfolio's average yield. ### Does KoinWorks have ads? Yes, KoinWorks contains advertisements. As a free-to-download application, advertisements are part of its operational model. ### What devices is KoinWorks available on? KoinWorks is available for iPhone and iPod devices. Users can download it to manage their finances on these Apple platforms. ## Version history (last 5 releases) ### 2.2.100 — 2026-04-01 This update from Apple will improve the functionality of this app. No new features are included. As part of our ongoing commitment to enhancing your experience, we're excited to introduce our latest App update! We've made some exciting tweaks and improvements, added helpful information to make funding a breeze, and designed it all to make your experience more fulfilling. Enjoy the upgrade! If you have any feedback or suggestions, please reach out to us via: * WhatsApp: +62 817 0397 2888 * Email: support@koinworks.com Thank you for choosing KoinWorks for your investment needs. The KoinWorks Team ### 2.2.99 — 2026-01-27 As part of our ongoing commitment to enhancing your experience, we're excited to introduce our latest App update! We've made some exciting tweaks and improvements, added helpful information to make funding a breeze, and designed it all to make your experience more fulfilling. Enjoy the upgrade! If you have any feedback or suggestions, please reach out to us via: * WhatsApp: +62 817 0397 2888 * Email: support@koinworks.com Thank you for choosing KoinWorks for your investment needs. The KoinWorks Team ### 2.2.98 — 2026-01-23 As part of our ongoing commitment to enhancing your experience, we're excited to introduce our latest App update! We've made some exciting tweaks and improvements, added helpful information to make funding a breeze, and designed it all to make your experience more fulfilling. Enjoy the upgrade! If you have any feedback or suggestions, please reach out to us via: * WhatsApp: +62 817 0397 2888 * Email: support@koinworks.com Thank you for choosing KoinWorks for your investment needs. The KoinWorks Team ### 2.2.97 — 2025-10-23 As part of our ongoing commitment to enhancing your experience, we're excited to introduce our latest App update! We've made some exciting tweaks and improvements, added helpful information to make funding a breeze, and designed it all to make your experience more fulfilling. Enjoy the upgrade! If you have any feedback or suggestions, please reach out to us via: * WhatsApp: +62 817 0397 2888 * Email: support@koinworks.com Thank you for choosing KoinWorks for your investment needs. The KoinWorks Team ### 2.2.96 — 2025-09-14 As part of our ongoing commitment to enhancing your experience, we're excited to introduce our latest App update! We've made some exciting tweaks and improvements, added helpful information to make funding a breeze, and designed it all to make your experience more fulfilling. Enjoy the upgrade! If you have any feedback or suggestions, please reach out to us via: * WhatsApp: +62 817 0397 2888 * Email: support@koinworks.com Thank you for choosing KoinWorks for your investment needs. 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User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-08-04.*