Tunaiku is an online loan application for unsecured cash from Amar Bank. Started operating in 2014, Tunaiku offers installments with a credit limit of up to 20 million. What are the requirements, how to apply and how much is the interest? Unlike borrowing, Tunaiku is managed by banks. Tunaiku is a fintech owned by Bank Amar, one of the middle class banks in Indonesia. The risk of online loans that customers have faced when dealing with P2P Fintech is relatively small at Tunaiku. Governance in banking is quite strict, so that the aspect of consumer protection is of utmost concern. Bank Indonesia implements prudent banking regulations and governance. Lower interest in the bank. In contrast to P2P fintech, which uses investor funds, in banking the source of funds is quite cheap from public deposits. The loan ceiling is bigger at the bank. The ceiling for P2P cash funds is usually quite low, with an average of IDR 5 million. It is difficult for those who want a large ceiling to borrow cash in P2P. 10 Loans Approved, But… Borrowing Experience at Tunaikua. Apart from being under the auspices of an official bank, Tunaiku and Amar Bank are also under the banner of a multinational company, namely Tolaram Group. Because it is under the auspices of a bank, online KTA at Tunaiku is safe, reliable and easy. Tunaiku is basically an unsecured online loan that can be submitted via an application or website. Credit tenor 6 months to 20 months.
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2) Tunaiku loan tenors start from 6 months to 20 months of credit, which is longer than online fintech loans, which on average provide loan periods of 30 days to 60 days. Seeing this loan feature, Tunaiku is suitable for those who want to take KTA credit online, which is a large ceiling and long installment period. An important requirement is that Tunaiku only serves customers in the Java, Sumatra and other cities. Tunaiku does not serve borrowers outside the service area. The current Tunaiku Service Areas are: Java (Jakarta, Bogor, Depok, Tangerang, Bekasi, Greater Bandung, Semarang, Yogyakarta, Sleman, Bantul, Gresik, Sidoarjo, Surabaya, and Malang.); Sumatra (Medan, Binjai, Deli Serdang, Palembang, Pekanbaru, Jambi, and Bengkulu.); Other Cities (Denpasar, Badung, Gianyar, Makassar, Gowa, Maros, and Samarinda). One of the advantages of Tunaiku compared to unsecured loans from banks is that Tunaiku does not require credit card requirements. Meanwhile, banks require borrowers to have a credit card as the main requirement to be able to apply for a loan. Having a credit card is not easy nowadays. The majority of people do not have a credit card in Indonesia. So, Tunaiku provides an opportunity for people who don't have a credit card to be able to take cash loans without collateral. Tunaiku provides installment simulation information. Information is available free of charge on the Tunaiku website or app.
The very first step was that I had to download the Tunaiku app on the Google Play Store.
We just need to choose the credit limit and tenor that we want to take, then the monthly installment calculation will appear. We can change - change according to the ceiling and credit tenor that we want. Can know the exact amount of the installment burden from taking a loan. Can change the ceiling and tenor to know the amount of installments that we can afford. The experience of seeing an installment simulation before applying for a loan makes us aware of the installment burden we have to bear. Many people are in a hurry to take a loan without calculating the installment burden, as a result they are often unable to pay the loan. Next, we will look at the process, terms and method of applying for credit at Tunaiku. I will explain step-by-step the process and steps for applying for a loan in the Tunaiku mobile online application. The very first step was that I had to download the Tunaiku app on the Google Play Store. Even though I can apply via the Tunaiku website, I chose the app because it's more convenient. After downloading the application on my mobile, I had to choose two options (1) apply for a loan as a new borrower; (2) Login Account if you already have an account before. I chose option (1) as a new borrower. I have never borrowed from Tunaiku. I have to choose the ceiling of the loan amount and the loan tenor that I want to apply for.
Go to the next section, I have to fill in the job data.
Based on the choice of ceiling and tenor, I can see the amount of installments per month. In addition to the ceiling and tenor, I have to choose the purpose of applying for the loan. In this section, Tunaiku asks prospective borrowers to agree to the "Terms and Conditions" and "Privacy Policy" for unsecured online loans. Before submitting further, an important requirement to remember, and it is also stated in the application, is that Tunaiku only serves in certain service areas, namely: Java, Sumatra and other cities. Borrowers outside the service area will not be served. Make sure that the domicile is in the Tunaiku service area. To ensure this, prospective borrowers must click confirmation in the online loan application that they live in the Tunaiku service area. Make sure you have and hold an ID card so that the process of filling in personal data can take place quickly. KTP data is personal data that must first be filled in. Then, make sure that the age meets the requirements of 21 to 55 years. Beyond that age, you should not apply for a loan because it does not meet the loan requirements at Tunaiku. Go to the next section, I have to fill in the job data. Starting from including the company name, office address, position, job status, current job income, previous job income and other information related to work. Tunaiku requires a minimum monthly income of IDR 1,000,000. This is confirmed in the application to ensure that the prospective borrower meets these minimum income requirements. What is important is that we note that the work address listed in the application will be used by Tunaiku to visit prospective borrowers to ask for a wet signature on the loan agreement. Wet signature? Yes, because Tunaiku is a bank, there is a loan agreement signing process.
What is the process for requesting a signature in Tunaiku?
What distinguishes Tunaiku from the process in Fintech online lending, P2P Lending, which is 100% online without face to face because it uses a digital signature. In banks, as far as I know, digital signatures can't be implemented yet. Bank customers are required to have a wet signature on the credit agreement document. What is the process for requesting a signature in Tunaiku? My Cashier Courier will meet prospective borrowers at the office location listed in the application while bringing a loan agreement that the prospective borrower needs to sign. Therefore, make sure when filling in your office address that it is an address that you can easily find. The residence data needs to be re-entered if the residence data is different from the data on the ID card. However, apart from the address, Tunaiku also asked for information about the number of PLN and PDAM bills and the status of house ownership. They were also asked how many dependents and the biological mother's maiden name. This is information that must be filled in by prospective borrowers, cannot be filled out. Data related to relatives is the next info requested in the app. What must be filled in is the name of the relative, cellphone number and address of the relative. How to Borrow Money at Danamas Online Loans 2022How to apply for an online loan at Danamas? We discuss the process, requirements and tips for…
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