Introducing ultra-micro in-app credit, available in real-time for purchasing essentials like fuel, phone data, and credit. With Pin-Jam, there's no reason to miss out on income opportunities. Take advantage of our seamless in-app credit solution and empower your financial flexibility today!


Pin-Jam features were developed with the needs of informal workers in mind. Going to work can incur costs such as the gas needed to reach the point of service and the cellular data required to contact clients and see where they are supposed to go.

Our ultra-micro in-app credit ensures that users only borrow manageable amounts within the platform. This approach mitigates the risk of users taking out loans that they may later struggle to repay, promoting responsible borrowing practices.

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    We work with employers to provide this facility to their workers and to validate their account.

    Ultra-micro credit is available for purchasing products through our app.

    Repayment is done digitally within the app using a variety of payment options.

How do we get started? 

We are dedicated to empowering businesses by offering credit solutions tailored for employees. We exclusively approve users who collaborate with us to provide these essential benefits to their workforce. If you represent an institution or company interested in enhancing your employee benefits package with our credit facilities, we invite you to explore a partnership with us.

Registered in:
Menara Cakrawala 12th Floor Unit 5A, Jl. M.H. Thamrin No.Kav. 9, Kec. Menteng, Daerah Khusus Ibukota Jakarta 10340
+62 859 1068 57412
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