Cairin

TKB0: TKB30: TKB60: TKB90:
Diperbarui pada : 2021/7/16
FAQ   >   General questions
  •  1.How much is the interest and fees on Cairin?
  •  2.How long is the estimated verification process for my application?
  •  3.Why was my loan application rejected?
  •  4.Submission has been approved, but why did my Bank Verification fail?
  •  5.What documents are needed to apply for a loan at Cairin?
  •  6.Why does my Face Verification keep failing?
  •  7.My loan payments are good, why was it rejected when I applied again?
  •  8.My application has been rejected, when can I reapply?
  •  9.Why didn't I get an OTP in my email?
  •  10.My old telephone number has been lost, can I change to a new telephone number?
  • How much is the interest and fees on Cairin?

    The amount of interest and Cairin fees is 0.3% per day

  • How long is the estimated verification process for my application?

    The loan application verification process takes an estimated 1-5 minutes, please check the verification results regularly on your Cairin application.

  • Why was my loan application rejected?

    The data you submitted does not meet our criteria when verifying the loan. Please make sure that the data submitted is correct.

  • Submission has been approved, but why did my Bank Verification fail?

    The reason your bank verification failed is because the name written on your bank account does not match the name listed on the application form and KTP.

  • What documents are needed to apply for a loan at Cairin?

    The main documents required are your e-KTP and account number information. Please ensure that the data submitted is appropriate.

  • Why does my Face Verification keep failing?

    Failed face verification can be caused by several things, namely poor lighting, the distance is too far or too close. Please try the following things so that face verification can go well 1. Try not to take the face photo too far or not too close 2. Try to ensure that the lighting in the room is sufficient. If possible, it is best to do it outside with bright lighting. 3. If it still fails, please follow the guidelines listed in the Cairin application and carry out regular verification.

  • My loan payments are good, why was it rejected when I applied again?

    Every re-application will still be assessed by our credit analyst team. Make sure to keep your loan history good

  • My application has been rejected, when can I reapply?

    Submission can be retried according to the date stated on the application.

  • Why didn't I get an OTP in my email?

    The OTP code sent to the email you registered, please check your email in the Message Folder or Spam Folder.

  • My old telephone number has been lost, can I change to a new telephone number?

    Please log into the Cairin application using your old telephone number, and submit a request to change your telephone number via the Cairin application in the profile menu, then go to the settings section to change your cellphone number, follow the instructions in the application then press submit .

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.