Danasyariah.id is a Sharia-based Peer-to-Peer (P2P) Financing Fintech that focuses on funding and financing for property project developers.
Danasyariah.id was established in 2017, registered with OJK on June 8, 2018, and licensed by OJK on February 23, 2021. DSI also has a Sharia Supervisory Board from DSN-MUI.

There are 2 service products in Danasyariah.id:
1. Lender
A service where users can become lenders to ongoing funding projects.
2. Financing recipient
A service where users can become financing recipients/borrowers for projects that require funding under applicable terms and conditions.
There are 3 derivative products from the Financing Recipient product, namely: Construction Funds, Multipurpose Funds, and Smartfast Funds.

For more information, you can contact our Customer Support team on the official WhatsApp 0815-1001-7070.

Danasyariah.id currently does not provide consumptive cash loan services or online loans (pindar) or unsecured loans (KTA). We only provide financing to property players such as developers and contractors who have collateral in the form of certified assets.

Danasyariah.id Business Contracts use the following 2 contracts:
1. Murabahah Contract:
The Murabahah contract, according to DSN-MUI Fatwa No. 04/DSN-MUI/IV/2000, is a sale and purchase contract where the seller purchases an item in their own name, then sells it to the buyer (customer) at a price that includes an agreed profit.
2. Wakalah Bil Ujroh Contract:
The Wakalah Bil Ujroh contract, according to DSN-MUI Fatwa No.113/DSN-MUI/IX/2017, is a wakalah contract accompanied by a fee or ujrah, where the representative acts on behalf of the principal and receives compensation for the service provided.

The possibility of losses on the funding provided by the lender. In this case, the risks include but are not limited to:
1. Delayed Payment of Returns
2. Delayed Return of Principal Funding
3. Unpredictable execution process of collateral in terms of time and price
4. Other factors beyond the control of the funding recipient and Danasyariah.

Danasyariah, with its best efforts, mitigates financing risks, including:
1. Comprehensive checking of financing objects
2. Character assessment of the financing recipient
3. Assessing the capacity and condition of the company and ensuring it has collateral with an appraisal value that meets the specified requirements

If you experience account suspension issues, you can contact Danasyariah.id Customer Support on the official WhatsApp 0815-1001-7070 or Email cso@danasyariah.id.
Please provide the following data:
Full Name:
Registered Email:

Example of Yield Simulation.
Principal amount: Rp 10,000,000
Annual Yield (PA): 18% per year
Selected Tenor: 6 months
Project start date: April 12, 2024
Funding Date: April 8, 2024
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Fundraising Period: 4 days
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Real Yield: (18% : 12 months) x 6 months = 9% for 6 months
Real Yield for months 1-6 is 6%
Remaining Yield in the 6th month is also 3%
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Yield for month 1: (consists of fundraising yield and 1% yield)
Fundraising yield = (1%/30 days) x 4 days x 10,000,000 = Rp 13,333
First month yield = 1% x 10,000,000 = Rp 100,000
Total for the first month = 113,333
Tax deduction 15% = Rp 16,999
Net = Rp 96,333
Yield for months 2 to 5 is the same, 1% of the principal amount.
Yield for months 2 to 5 = 1% x 10,000,000 = Rp 100,000
Month 2 Rp 100,000 less 15% tax becomes Rp 85,000
Month 3 Rp 100,000 less 15% tax becomes Rp 85,000
Month 4 Rp 100,000 less 15% tax becomes Rp 85,000
Month 5 Rp 100,000 less 15% tax becomes Rp 85,000
Month 6 Rp 100,000 less 15% tax becomes Rp 85,000
Remaining Yield 3% x 10,000,000 = Rp 300,000 less 15% tax becomes Rp 255,000
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Total Yield for funding a project of Rp 10,000,000 with a 6-month tenor and an annual yield of 18% (PA).
is: Rp 96,333
Rp 85,000
Rp 85,000
Rp 85,000
Rp 85,000
Rp 85,000
Rp 255,000
= Rp 776,333