Diperbarui pada : 2021/7/16

Idana is committed to improving the quality of Good Corporate Governance (GCG) implementation. Therefore, this Whistleblowing System was formed in order to prevent and perform early detection of violations that may occur in the corporate environment. The Whistleblowing System also aims to fulfill the Company’s values ​​in realizing corporate values.

What violations must be reported?

Misuse of Company and Borrower & Lender Information. Withholding, abusing, embezzling or fleeing funds. Abuse of Authority and Position. Signature forgery. Falsify or alter company documents. Misuse of company assets.

Provide inappropriate, incorrect or misleading statements to Borrowers & Lenders regarding the products being offered/marketed

Providing material factual information that is not true. Engineering / manipulating performance reports. Hiding and/or not conveying material facts. Conflict of Interest. Corruption in the form of receiving, giving bribes, embezzlement, and collusion. Other ethical violations that harm the company. Other acts that violate generally accepted norms and ethics.   

Confidentiality Guarantee and Reporter Protection

Submission of the Whistleblower’s Identity is optional and not mandatory, solely for the purpose of in-depth report communication (if needed). IDANA guarantees that it will provide protection to the Complainant from all forms of threats, intimidation, punishment or unpleasant actions from any party. Complaints that can be processed by the Whistleblowing system are Complaints that have the following elements:

Has elements of violations committed by individuals, both known and unknown, working for IDANA Having adequate supporting data as our basis in following up on the reports provided. The reporter is willing if he has to be contacted by the WBS team to obtain the information needed in the investigation of the report. Reporters who are aware of any medication that indicates violations within the company can report these actions through the Whistleblowing system in the following ways:

Offline submission

If submission is made in the form of hardcopy, delivery can be made by sending the document to the following address:

Blok E52, E53 dan E55 Permata Senayan, Rukan, Jl. Tentara Pelajar, RT.1/RW.7, Grogol Utara, Kec. Kby. Lama, Kota Jakarta Selatan Daerah Khusus Ibukota Jakarta 12210

Submission via email (Online)

If submission is made in the form of electronic mail/e-mail (softcopy), submission can be made by sending the document to the following email address: according to IDANA’s email


  • 1. The Information Technology-Based Co-Funding Service is a civil agreement between the Fund Provider and the Fund Recipient, so that all risks arising from the agreement are fully borne by each party.
  • 2. Credit risk or default and all losses resulting from or related to the loan agreement are fully borne by the donor. No state institution or authority is responsible for the risk of default and loss.
  • 3. The Operator with the approval of each User (Funder and/or Fund Recipient) accesses, obtains, stores, manages and/or uses User's personal data ('Utilization of Data') on or in objects, electronic devices (including smartphones or cellular phone), hardware (hardware) or software (software), electronic documents, applications or electronic systems owned by the User or controlled by the User, by notifying the purpose, limitations and mechanism of Utilization of the Data to the User concerned before obtaining the intended approval.
  • 4. Fund givers who do not have the knowledge and experience of lending and borrowing are advised not to use this service.
  • 5. Fund recipients must consider the loan interest rate and other fees according to their ability to repay the loan.
  • 6. Every fraud is recorded digitally in cyberspace and can be known by the wider community on social media.
  • 7. Users must read and understand this information before making a decision to become a Fund Provider or Fund Recipient.
  • 8. The government, namely in this case the Financial Services Authority, is not responsible for any violation or non-compliance by the User, both the Fund Provider and the Fund Recipient (whether due to the User's intention or negligence) with the provisions of laws and regulations as well as agreements or agreements between the Provider and the Provider Funds and/or Fund Recipients.
  • 9. Every transaction and lending and borrowing activities or implementation of agreements concerning lending and borrowing between or involving Providers, Fund Providers and/or Fund Recipients must be carried out through an escrow account and virtual account as required under the Financial Services Authority Regulation 10/POJK.05/2022 regarding Information Technology-Based Co-Funding Services (LPBBTI) and violation or non-compliance with these provisions is evidence that a violation of law 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 through the Cairin application will also be reported to the Fintech Data Center (FDC) or Pusdafil.
  • 11. That the Funder is aware of and fully bears the risks of providing a loan;
  • 12. That the Funder is aware of the risk of losing assets or assets due to failure to pay;
  • 13. That Funders are required to learn basic knowledge regarding (LPBBTI) before providing loans;
  • 14. 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;
  • 15. That the credit records of Fund Recipients will be reported periodically to the Financial Services Authority for the purposes of the Fintech Lending Data Center which will be used together with national banking industry players and other financial industries;
  • 16. That the Fund Recipient and Fund Giver have read and studied each term and condition.