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  App [url=https://45.33.40.24/?10507]Rev

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• 個人主頁https://www.app-analytica.com/3d68/59-pinjamduit-open-finance-protocol-integration-services-opendata-openfinance-ojk-compliance.html
• 興趣愛好OpenData · OpenFinance · Protocol Analysis · OJK Compliance
  Securely and compliantly integrate PinjamDuit's lending capabilities into your systems
  We provide end-to-end delivery from protocol reverse-engineering/analysis (within authorized scope) to OpenAPI / SDK, and automated reconciliation scripts, supporting E-KTP verification, application workflows, interest rules, and repayment reconciliation.
  Credit & Application Interfaces
  — standardized application forms, identity verification (E-KTP), phone/WhatsApp verification, scoring and approval callbacks.
  Interest & Fee Engine
  — supports daily interest rate and APR calculations, daily service fees, and precise calculations and simulation APIs for installment plans.
  Reconciliation & Repayment Callbacks
  — supports bank/ATM/Internet Banking/Minimart reconciliation data extraction and automatic repayment confirmations.
  Contact for Integration
  View Deliverables
  Function Modules and Sample Deliverables
  Standard Deliverables
  OpenAPI (Swagger) documentation and interface mock server
  Protocol analysis report (authorization flows, data fields, anti-fraud points)
  Runnable examples: Node.js / Python SDKs and deployment scripts
  Automated test scripts (contract testing, load tests, and security scans)
  Compliance recommendations (OJK/POJK integration, data retention and minimization strategies)
  API Example (pseudo-code / API templates)
  {
  "POST /api/v1/loans/apply": {
  "headers": {"Authorization": "Bearer <CLIENT_JWT>", "Content-Type": "application/json"},
  "body": {
  "national_id": "3201xxxxxxxxxxxx", // E-KTP
  "name": "Applicant Name",
  "phone": "+6281xxxxxxxx",
  "amount": 1000000,
  "tenor_days": 180
  }
  },
  "Response": {
  "application_id": "APP-20251001-1234",
  "status": "PENDING/APPROVED/REJECTED",
  "apr": "20.3%",
  "daily_service_fee_pct": "0.24%",
  "repayment_schedule": [{"due_date":"2026-...","amount":...}]
  }
  }
  Billing & Interest Engine
  Supports common interest models: daily interest, monthly amortization, and lump-sum at maturity; supports custom APR mapping, daily service fees and late fee strategies, and outputs installment repayment details (CSV/Excel/JSON).
  Our Core Advantages
  Compliance & Localization
  Familiar with Indonesian regulations and OJK/POJK requirements; can assist with regulatory compliance integration and audit materials (e.g., POJK No. 10/POJK.05/2022).
  Rapid Deployment
  From protocol analysis to first delivery typically 5-15 business days (complexity depending); supports post-delivery acceptance and ongoing maintenance.
  Data Security
  Provides least-privilege access, access controls, data-in-transit TLS, and data masking recommendations; NDA and security assessments available.
  API Integration Guide (Brief)
  Authorization & Authentication
  Preferred: OAuth2 Authorization Code / Client Credentials (with JWT)
  Fallback: HMAC-SHA256 signatures (for callback validation)
  Recommendations: short-lived access tokens, refresh tokens, and IP whitelisting
  Common Endpoints Examples
  GET /api/v1/loans/{application_id}
  POST /api/v1/loans/apply
  POST /api/v1/loans/{id}/confirm-repayment (callbacks / manual reconciliation)
  GET /api/v1/transactions?from=2025-09-01&to=2025-09-30
  Data & Privacy
  Requests for E-KTP, phone numbers, and personal data are made only with explicit user consent. Supports consent logs and data minimization retention for regulatory audits.
  Contact Information
  For inquiries, quotes, or to submit your target app name and requirements, click the button below to visit the contact page：
  View Contact Information
  Our Delivery Commitments
  Deliverables include runnable API source code, OpenAPI documentation, integration instructions, test scripts, and compliance recommendations. NDA and customized enterprise solutions available if needed.
  PinjamDuit — Product Overview (Translation & Clarification)
  Original description (provided):
  Online Loan Product
  Loan limit up to Rp 50,000,000
  Tenor from 150 to 360 days
  Interest from 0.01% per day
  APR cap: 20.3% per year
  Service fee: 0.24% per day
  No additional fees.
  For a Rp 1,000,000 loan with a 180-day tenor, the charges are as follows: ...
  
  PinjamDuit - An online credit platform WITHOUT COLLATERAL / low-interest loans / high-dimension digital funding across Indonesia, licensed, registered and supervised by OJK. ...
  Key Points in English (Summary)
  Credit limit: Rp 50,000,000
  Tenor: 150 to 360 days
  APR cap: 20.3% per year; daily service fee 0.24%
  No collateral, available nationwide in Indonesia, reported to and regulated by OJK
  Eligibility: 18+, Indonesian citizen (WNI) with E-KTP, verifiable phone number
  Example Interest Calculation (for integration reference — numbers are for illustration)
  Example: principal Rp 1,000,000, tenor 180 days, APR = 20.3%, daily service fee 0.24%
  // Daily rate (approx) = 20.3% / 365 ≈ 0.0556% per day
  Daily interest ≈ 1,000,000 * 0.203 / 365 ≈ Rp 556
  Daily service fee = 1,000,000 * 0.24% = Rp 2,400
  Total interest ≈ 556 * 180 = Rp 100,080
  Total service fee = 2,400 * 180 = Rp 432,000
  Total fees ≈ 100,080 + 432,000 = Rp 532,080
  Maturity amount ≈ Principal 1,000,000 + 532,080 = Rp 1,532,080
  Note: The above is a sample using daily rate and daily compounding. Actual product terms may use different interest calculations (rounding, base, fee types); rely on PinjamDuit API responses for integration.
  Product Benefits (Original)
  No collateral: only E-KTP and personal information required
  Regulated & trusted: serving over 20 million users under OJK supervision
  Fast disbursement: streamlined process, quick funding after approval
  Convenient repayment: supports ATM, online banking, mobile banking, and convenience-store payments with automatic confirmation
  24/7 customer service
  
  Contact us| telegram: @appCracker007
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  last updateTime: 2025-12-10 12:18:17a
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• 在線時間26 小時
• 註冊時間2010-6-5 14:28
• 最後訪問2025-12-10 12:18
• 上次活動時間2025-12-10 12:18
• 上次發表時間2014-6-6 16:17
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