Best OJK-Registered Sharia Online Loans in Indonesia (Safe & Trusted Platforms)

What are the best and safest Sharia online loan platforms? Today, finding an online loan is easier than ever. However, many people now prefer Sharia-based online loans due to their compliance with Islamic financial principles.

If you are considering applying for an online loan, it is crucial to verify whether the platform is registered with OJK (Indonesia’s Financial Services Authority). Sharia-based peer-to-peer (P2P) lending platforms operate under Islamic principles, meaning they are free from riba (interest), gharar (uncertainty), and maysir (gambling elements).

Safe and OJK-Registered Sharia Online Loan Recommendations

Before applying, always ensure that the platform is officially registered and supervised by OJK to avoid fraud. Here are some recommended Sharia-compliant online lending platforms:

1. Investree (Sharia Financing)

Investree is one of Indonesia’s pioneers in P2P lending and offers Sharia-based financing options.

• Provides productive financing for businesses
• Focuses on invoice financing
• Offers funding up to 80% of invoice value
• Suitable for SMEs seeking working capital

2. Ammana

Ammana is a Sharia P2P lending platform operated by PT Ammana Fintek Syariah.

• Connects lenders and borrowers under Sharia principles
• Focuses on SME financing
• Applies a non-direct funding system
• Borrowers must be members of registered Sharia microfinance partners

3. ALAMI Sharia

ALAMI Sharia is a Sharia-based fintech platform registered with OJK.

• Provides invoice financing
• Loan range from IDR 50 million to IDR 2 billion
• Connects SMEs with Sharia investors
• Designed for business capital needs

4. Syarfi

Syarfi is an OJK-registered Sharia online lending platform.

• Connects international funders with Indonesian borrowers
• Offers financing for both individual and business needs
• Operates under Islamic financial principles

5. Duha Syariah

Duha Syariah is an OJK-registered Sharia fintech application available on the Play Store.

• Offers consumer financing without riba
• Allows financing for goods and services
• Operates under Sharia-compliant contracts
• Suitable for personal financing needs

6. Dana Syariah

Operated by PT Dana Syariah Indonesia, this platform provides Sharia P2P lending services.

• Offers both Sharia funding and financing
• Designed for business owners and individuals
• Ensures a profit-sharing system instead of interest
• Avoids gharar, maysir, and riba

7. Danakoo

Danakoo is another OJK-registered Sharia P2P lending company.

• Offers Sharia multipurpose loans
• Provides Sharia service-based financing
• Suitable for various financing needs

8. Duha Syariah (Consumer Financing)

This platform is also popular for lifestyle and shopping financing.

• Loan limit up to IDR 20 million
• Tenor options: 3, 6, 9, or 12 months
• Special financing for Umrah and halal tourism
• Extended financing limit up to IDR 30 million with 12–24 month tenors

9. Ethis

Ethis focuses on Sharia-based project financing.

• Supports SMEs, infrastructure, and housing projects
• Uses Islamic contracts such as:
  – Wakalah
  – Musyarakah
  – Wakalah bil Ujrah

10. Kapitalboost

A Sharia-based financing platform that offers short-term financing.

• No collateral required
• Loan limit up to IDR 2 billion
• Tenor up to 12 months
• The disbursement process takes 7–14 days after verification

11. Papitupi Syariah

Papitupi Syariah offers financing through its product, PapiFund.

• Financing limit up to IDR 50 million
• Tenor up to 36 months
• Requires meeting eligibility requirements

12. Fintech Syariah (PT Berkah Fintech Syariah)

This company provides Sharia-based financing solutions for:

• Education expenses
• Umrah travel
• Medical bills
• Other halal financing needs

All services strictly follow Islamic financial principles.

There are many OJK-registered Sharia online loan platforms available in Indonesia. With various options, you can choose the one that best fits your financial needs while ensuring compliance with Islamic principles.

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