HATI-HATI, TRANSAKSI INI BERISIKO TINGGI. ANDA DAPAT SAJA MENGALAMI KERUGIAN ATAU KEHILANGAN UANG. JANGAN BERUTANG JIKA TIDAK MEMILIKI KEMAMPUAN MEMBAYAR. PERTIMBANGKAN SECARA BIJAK SEBELUM BERTRANSAKSI.

Cairin

TKB0: TKB30: TKB60: TKB90:
Diperbarui pada : 2021/7/16
FAQ   >   Loan Application and Payment
  •  1.Can I cancel my loan application?
  •  2.Can I include someone else's bank account besides mine when registering my account number?
  •  3.Why do I get the message 'Your KTP has been registered with another number' when entering my KTP number?
  •  4.I want to correct my name, because there is a spelling error, how do I do it?
  •  5.I don't have BNI Bank, are there payments via other banks?
  •  6.What are the risks for loan recipients if payments are late?
  •  7.I have made a payment, why is the payment status still not updated?
  •  8.How much is the late payment penalty?
  •  9.How is the payment process in the application?
  •  10.My loan bill has appeared, but it has been 24 hours since the funds have been received?
  •  11.What is the Meaning of “Waiting for Payment” in the Cairin App?
  • Can I cancel my loan application?

    If the application is already in the disbursement process, your application cannot be cancelled

  • Can I include someone else's bank account besides mine when registering my account number?

    The entire disbursement process at Cairin only uses banks that match the name registered in the application.

  • Why do I get the message 'Your KTP has been registered with another number' when entering my KTP number?

    If you get a message that your KTP has been registered with another telephone number, then make sure you log in to the application with the telephone number that was first registered in the Cairin application.

  • I want to correct my name, because there is a spelling error, how do I do it?

    Please submit a name change application via the Application in Profile, select settings, and select Name Correction.

  • I don't have BNI Bank, are there payments via other banks?

    You can make payments with other banks by selecting the interbank transfer menu, then entering the bank code (009) and Virtual Account number, ending with the nominal amount. The Virtual Payment Code can be obtained in the borrower's application.

  • What are the risks for loan recipients if payments are late?

    If payment is late, the borrower will be subject to late fines, the borrower's reputation/credit history will be affected in Cairin and the recipient's collectibility reporting to the OJK.

  • I have made a payment, why is the payment status still not updated?

    Because the bank takes some time to process your payment. We will immediately update the payment status when the funds have been received. Please wait patiently and if the status is still not updated, please contact customer service.

  • How much is the late payment penalty?

    There is an interest penalty of 0.6% per day for late fines.

  • How is the payment process in the application?

    You can click the 'Pay Now' button on the Homepage, then copy the payment code information and make payment to your bank.

  • My loan bill has appeared, but it has been 24 hours since the funds have been received?

    And if within 1x24 hours the funds have not been disbursed, please contact our Customer Service team, for help checking the status of your disbursement.

  • What is the Meaning of “Waiting for Payment” in the Cairin App?

    If the status in the Application is "Waiting for Payment", this means that the funds are in the process of being disbursed. Please wait for the disbursement process for a maximum of 3 hours, then check your account mutation regularly.

Announcement

  • 1. Information Technology-Based Co-Funding Services is a civil agreement between Lender with and Borrower, so all the risk which arise from that agreement is completely covered by each party.
  • 2. Credit Risk or Payment Default and all the losses from or related with the loan agreement fully covered by Lender. There is no institution or state authority is responsible for the payment default risk and the losses.
  • 3. The Operator with the consent of each User (Lender and/or Borrower) accesses, obtains, stores, manages and/or uses the User's personal data ('Utilization of Data') on or in objects, electronic devices (including smartphone or cellular phone), hardware or software, electronic documents, applications or electronic systems belonging to the User or controlled by the User, by informing the relevant User of the purpose, limitations and mechanisms for the Utilization of Data before obtaining the intended consent.
  • 4. Lenders who do not have knowledge and experience in lending and borrowing are recommended not use this service.
  • 5. Borrower must consider the loan interest rate and other costs according to their ability to repay the loan.
  • 6. Every fraud is record digitally in cyberspace and can be known by the wider public on social media.
  • 7. User must read and understand this information before making a decision to become a Lender or Borrower.
  • 8. The government, in this case the Financial Services Authority, is not responsible for any violation or non-compliance by User, whether Lender or Borrower (whether due to the User's intention or negligence) of the provisions of statutory regulations or agreements or engagements between the Operator and the Lender and/or Borrower.
  • 9. Every lending and borrowing transaction and activity or implementation of an agreement regarding lending and borrowing between or involving the Organizer, Lender and/or Borrower must be carried out through an escrow account and virtual account as required under Financial Services Authority Regulation 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI) and violation or non-compliance with these provisions is evidence that a legal violation has occurred by the Operator so that the Operator is obliged to bear the compensation suffered by each User as a direct result of the violation of the law mentioned above without reducing the rights Users who suffer losses according to the Civil Code.
  • 10. User/borrower data submitted via Cairin application will be reported as well to the Fintech Data Center (FDC) or Pusdafil.
  • 11. That the Lender is aware of and fully bears the risks of providing a loan;
  • 12. That the Borrower is aware of the risk of losing assets or wealth due to payment default;
  • 13. That the Borrower has known, considered and agreed to all applicable interest rates and fees in accordance with their ability to repay the loan;
  • 14. That the Lender are required to learn basic knowledge regarding (LPBBTI) before providing loans;
  • 15. That every fraud and illegal act is fully reported to the Financial Services Authority (OJK) and the wider public in accordance with applicable laws and regulations;
  • 16. That the credit records of Borrower will be reported periodically to the Financial Services Authority for the purposes of the Fintech Lending Data Center which will be used jointly with national banking industry players and other financial industries;
  • 17. That the Borrower has read and studied each term and condition.