# Modal Rakyat — Aset Pendana P2P > P2P lending platform connecting lenders with Indonesian SMEs. (iPhone/iPad app by Modal Rakyat Indonesia, PT.) - Source: https://appshunter.io/ios/app/modal-rakyat/id1498413893 (this page in markdown: same URL + `.md`) - Developer: [Modal Rakyat Indonesia, PT](https://appshunter.io/developer/1498024340) - Category: Finance, Business - Price: Free - Age rating: 4+ - Requires: iOS 9.0 · 29 MB - Languages: English - Released: 2020-05-07 - Data updated: 2026-06-10 - Monetization: free - User reviews in markdown: https://appshunter.io/ios/app/modal-rakyat/id1498413893/reviews.md ## What is Modal Rakyat? As a P2P lending platform, Modal Rakyat connects lenders with thousands of micro, small and medium businesses from across Indonesia. We ensure a robust analysis, verification, and protection through various methods for your safety blanket. On Modal Rakyat, lending starts from Rp 5,000,000 per loan. That means everyone can be a lender, including you. And it’s very easy to create a diversified loan portfolio to protect your funds and earn more stable returns. Get started right away and hand pick loans based on your own criteria. Using Modal Rakyat app, lenders can choose from a wide range of selected loans, including but not limited to: SME Loans Micro Loans Multipurpose Loans Why Modal Rakyat? Licensed by OJK Licensed and monitored by Financial Services Authority of Indonesia or OJK (KEP-27/D.05/2021) & Kominfo. Attractive Returns Earn up to 18% p.a Start From Small Amounts Just with IDR 5,000,000, you can fund SMEs that went through a strict process of selection from Modal Rakyat’s Team. Liquid Funding Schemes Modal Rakyat offers a wide range of loan tenure selections, enabling you to manage your fundings seamlessly. General Product Information: Loan Duration: 3 - 12 months APR: 10% - 18% p.a Minimum Funding Amount: IDR 5,000,000 Maximum Funding Amount: IDR 2,000,000,000 per loan Additional Fees: Loan Insurance (If any) Loan Simulation: Funding Amount of IDR 10,000,000 with 15% p.a. Interest rate and 3 months tenure would offer you return as follows: + Interest = (Interest Rate / Tenure) x Plafond + Return = Loan Amount + Interest + Interest = (15%/0,25 tahun) x IDR 10,000,000 = IDR 375,000 + Return = IDR 10,000,000 + IDR 375,000 = IDR 10,375,000 For more information, please contact us: Phone : (021) 5091-4792 E-mail : cs@modalrakyat.id Facebook : Modal Rakyat Instagram : @modalrakyatid LinkedIn : Modal Rakyat URL : www.modalrakyat.id ## Key features - Connects lenders with SMEs - Robust analysis and verification - Diversified loan portfolios - Earn up to 18% p.a. - Start from IDR 5,000,000 - Licensed by OJK ## Recent user reviews (10 of 50) All indexed reviews: https://appshunter.io/ios/app/modal-rakyat/id1498413893/reviews.md ### 1/5 — Penghapusan Data *2025-02-20, version 1.7.0* Tolong hapus data saya karena saya juga tidak jadi mengajukan pinjaman pada tanggal 20/02/2025. Dan aplikasi sudah saya hapus, mohon untuk data saya dihapus, kalau terjadi hal-hal lain akan saya laporkan ### 5/5 — good joob *2024-04-05, version 1.7.0* Aku trust banget sama modal rakyat karena disini investor dan pengaju modalnya bisa dipertemukan disini, semuanya transparan dan aman karna sudah dapat izin ojk ### 5/5 — aman, sudah di awasi ojk *2024-04-05, version 1.7.0* apk mantap untuk investasii apalagi untuk para pemuda yang sedang berkarir ,cocok disemua kalanggan dan terawasi oleh ojk jadi di jamin aman dan nyaman ⭐️⭐️ ### 5/5 — Rating apk *2024-04-04, version 1.7.0* Investasi online di modal rakyat aman banget, proses nya juga mudah dan terpercaya ### 5/5 — Happy *2024-04-04, version 1.7.0* Bisnis saya terbantu banget melalui layanan pinjaman P2P dari modal rakyat, makasih banget! ### 5/5 — good job *2024-04-02, version 1.7.0* Dengan adanya modal rakyat, para pelaku UMKM yang butuh buat pengembangan modal jadi terbantu banget, platform keuangan yg solutif! ### 5/5 — Terbantu bangett🤩🤩 *2024-04-02, version 1.7.0* Saya sebagai pelaku UMKM merasa terbantu banget dg adanya modal rakyat sebagai peer to peer lending di Indonesia yang aman dan online sehingga prosesnya cepat dan lancar ### 5/5 — Review Jujur *2024-04-02, version 1.7.0* Platform keuangan digital modal rakyat udah punya izin dari OJK jadi udah dijamin keamanannya 👍 ### 5/5 — 👍🏻👍🏻 *2024-04-02, version 1.7.0* Layanan keuangan online sangat inovatif dan udah berizin OJK sehingga terpercaya ### 5/5 — ulasan *2024-03-29, version 1.7.0* Tertarik banget melakukan investasi online di modal rakyat, soalnya udah terpecaya banget memiliki izin OJK ## Frequently asked questions about Modal Rakyat ### What is Modal Rakyat? Modal Rakyat is a P2P lending platform that connects lenders with thousands of micro, small, and medium businesses across Indonesia. It provides a secure environment for lending and earning returns. ### How can I start lending on Modal Rakyat? You can start lending on Modal Rakyat with a minimum of IDR 5,000,000 per loan. The app allows you to handpick loans based on your criteria and create a diversified loan portfolio for stable returns. ### What are the potential returns and risks? Modal Rakyat offers attractive returns of up to 18% per annum (p.a.). The platform ensures a robust analysis, verification, and protection for lenders' safety. Loan durations range from 3 to 12 months. ### Is Modal Rakyat a licensed and regulated platform? Yes, Modal Rakyat is licensed and monitored by the Financial Services Authority of Indonesia (OJK) under KEP-27/D.05/2021, and also by Kominfo. This ensures a regulated and secure lending environment. ### What types of loans can I fund? You can choose from a wide range of selected loans, including SME Loans, Micro Loans, and Multipurpose Loans. The platform facilitates funding for various business needs. ## Version history (last 5 releases) ### 1.7.0 — 2024-02-05 This update contains new feature and various bug fixes to improve your app experience. ### 1.6.9 — 2023-08-28 This update contains new feature and various bug fixes to improve your app experience. ### 1.6.8 — 2023-08-04 This update contains new feature and various bug fixes to improve your app experience. ### 1.6.7 — 2023-05-02 This update contains new feature and various bug fixes to improve your app experience. ### 1.6.5 — 2022-12-29 This update contains new feature and various bug fixes to improve your app experience. ## Apps similar to Modal Rakyat | App | Rating | Price | Category | | --- | --- | --- | --- | | [Freedom Bank TX](https://appshunter.io/ios/app/freedom-bank-tx/id1668191500) | 4.7 (88) | Free | Finance | | [Tappan CU Cards](https://appshunter.io/ios/app/tappan-cu-cards/id6443487880) | — | Free | Finance | | [Infoexperto](https://appshunter.io/ios/app/infoexperto/id1663240840) | — | Free | Finance | | [YKIB Digital Lite](https://appshunter.io/ios/app/ykib-digital-lite/id1661471720) | 4.7 (3) | Free | Finance | | [Invest'R](https://appshunter.io/ios/app/investr/id1672033380) | — | Free | Finance | | [bimbank Mobile](https://appshunter.io/ios/app/bimbank-mobile/id6443923860) | 4.2 (96) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-06-10.*