Artha Niaga - Koperasi Pinjam

📌 Artha Niaga — A Savings and Loan Cooperative that provides loan services exclusively for members. It offers a short online member registration process, fast verification, and disbursement according to regulations.

🔒 KSP Artha Niaga is registered, licensed, and operates in accordance with the regulations of the Ministry of Cooperatives. We maintain cost transparency and provide complete information in our Terms & Conditions. Enjoy low and transparent interest rates, with low installments and flexible payments. The entire process is easy and secure, with no collateral required and no additional fees.

⚡ Key Benefits
• No collateral — a simple process with no collateral required.
• Short process & minimal steps — application is easy, fast, and hassle-free.
• Instant disbursement of funds — after verification and requirements are met.
• Competitive interest rates & long tenors — long tenor options for lighter installments.
• 24/7 Customer Care — a support team ready to help at any time.
• Data protection & privacy — data is securely stored, so you don't have to worry.
• Minimal app permissions — only requests permissions that are absolutely necessary for the service to function.

🛡 Fee Transparency
All fees, interest rates, and calculation examples are available on the Terms & Conditions page and in the Installment Simulation feature — check before applying to see the estimated installment amount.

ℹ️ Detailed Information at Artha Niaga
- Online loan amount range: IDR 2,000,000 - IDR 6,000,000
- Online loan term: 91 days minimum, 180 days maximum
- Online loan interest: up to 18% per year (0.05% per day)
- Other fees: No additional fees

🧾 Loan calculation example
If a user chooses a loan with a loan amount of IDR 2,000,000 and a term of 120 days (4 months), after passing verification and receiving IDR 2,000,000, the daily interest payable is: IDR 2,000,000 * 0.05% = 1,000, and the monthly interest payable is: IDR 2,000,000 * 0.05% * 30 = 30,000

In 120 days (4 months), the total interest payable at maturity is: Rp30,000 * 4 = 120,000, and the monthly payment amount is: Rp2,000,000 / 4 + 30,000 = 530,000, and the required repayment amount for 120 days (4 months) is: Rp530,000 * 4 = 2,120,000

👥 How to become a cooperative member?
• Indonesian citizen;
• Over 18 years old;
• Have an ID card;
• Share the same goals as the cooperative;
• After making mandatory savings, users can become members.

💳 Payment Options & Fund Distribution
- BNI
- Mandiri
- Alfamart

🏢 Artha Niaga is an application owned by the ARTHA NIAGA SAVINGS AND LOANS COOPERATIVE that provides online loan services exclusively for members. Modern financial solutions for daily and emergency needs. Easy application without collateral, quick verification, instant disbursement to your account, low and transparent interest rates, easy installments, and flexible payment options with no additional fees. The entire process is safe and reliable.

⭐ Advantages of ARTHA NIAGA SAVINGS AND LOAN COOPERATIVES
1. Earn variable residual operating income from year to year
2. Solutions for SMEs
3. Meet the financial needs of cooperative members

✅ Ready to apply? Use the Installment Simulation feature to see the estimated costs and payment schedule. For complete information on interest, other fees, and requirements, see the Terms & Conditions in the app or contact our 24/7 Customer Care. How to use: Download Artha Niaga on the Google Play Store, fill in your details in the app to find out your credit score — a good credit score can lead to a higher funding limit.

✉️ If you need our assistance, please contact us via the email below.
Email: support@ksparthaniaga.com
Address: Jl. Raya Serpong km 8 no 18, Pakulonan, North Serpong, South Tangerang, Banten