About Information on Money Transactions

Peer-to-Peer (P2P) Financing or crowdfunding fintech is a financial service that connects lenders and financing recipients. Typically, this financing can be used for personal or business purposes. This financing is digitized through the use of websites or applications to directly connect financing recipients (borrowers) with lenders.

Sharia Peer-to-Peer (P2P) Financing must first obtain an operational license from the Financial Services Authority (OJK), as the regulator overseeing all activities in the financial services sector. From a sharia perspective, supervision is carried out by the National Sharia Council (DSN)-MUI.

As of March 10, 2025, Danasyariah.id is one of the licensed sharia fintechs, ranked 40th based on the License/Registration Certificate: KEP-10/D.05/2021.

Danasyariah.id has implemented ISO 9001 and ISO 27001 as standards supporting user personal data protection procedures. ISO 9001 is an international standard for building a quality management system, while ISO 27001 is an international standard for Information Security Management Systems (ISMS) that helps companies manage and protect information assets, ensuring confidentiality, integrity, and data availability.

LPS stands for Deposit Insurance Corporation, an independent institution that guarantees customer deposits in banks and helps maintain the stability of the banking system in Indonesia. Since Peer-to-Peer (P2P) Financing is a non-banking financial institution, Danasyariah.id is not a participant of LPS (Deposit Insurance Corporation).

How to Register as a Lender.
Steps to register an account as a Lender:
1. Enter an active email.
2. Create a password according to the requested criteria.
3. Click the account activation link sent to your email.
4. Log in to the Danasyariah.id application and complete all requested data.
5. Enter an active phone number for OTP delivery.
6. Success.

How to Register as a Financing Recipient.
Steps to register an account as a Financing Recipient:
1. Click Register as a Financing Recipient.
2. Register as a Financing Recipient.
3. Enter an active email.
4. Create a password according to the requested criteria.
5. Click the account activation link sent to your email.
6. Log in to the Danasyariah application and complete all requested data.
7. Enter a phone number for OTP delivery.
8. Success.

If there is a request to update your personal data, you can contact Danasyariah.id Customer Support via official WhatsApp 0815-1001-7070 or email cso@danasyariah.id.

If you have registered through the application or website and completed the data correctly, you will automatically get a Virtual Account number and RDF.

However, if you encounter issues related to the Virtual Account number or RDF, please contact our Customer Support team via official WhatsApp at 0815-1001-7070.

After you register and create an account at Danasyariah.id, RDF will be automatically created for you.

RDF is a Funder Fund Account, which is an account in the name of the funder used to facilitate funding transactions on the P2P Financing platform.

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
--
Fundraising Period: 4 days
---
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%
----
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
---
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

Starting May 1, 2022, the government officially collects taxes through the Minister of Finance Regulation (PMK) Number 69/PMK.03/2022 concerning Income Tax and Value Added Tax on Financial Technology Operations, issued and enacted on March 30, 2022.

Danasyariah.id applies PPh23 tax on every yield received by lenders each month in accordance with the applicable PPh23 tax regulations, which is 15% for taxpayers with a Taxpayer Identification Number (NPWP).

Financing Services at Danasyariah.id
Currently, Danasyariah.id provides three types of financing services for financing recipients:

Construction Funds
Multipurpose Funds
Smartfast Funds
The main requirement for application:
Having collateral in the form of a valid and legal SHM/SHGB.

For more information or consultation, please contact our Financing team via official WhatsApp at 0811-1238-022.

To apply for services as a Financing Recipient, please contact our Financing team via official WhatsApp at 0811-1238-022.

As a Lender who has selected a project, you can obtain more detailed information about the Financing Recipient (Borrower). Please contact our Customer Support team via official WhatsApp 0815-1001-7070 or email cso@danasyariah.id.

After becoming a Lender, you will receive two important documents as proof of participation:
- E-Certificate
A legal document that lists your full name and total assets.
- E-Akad Wakalah Bil Ujrah
A legal agreement document containing the contract between the Lender and Danasyariah.id as an intermediary (Representative).

Regarding the request for a PPh23 tax deduction certificate applied to your yield, please fill in the following data:
Full Name:
Registered Email:
Taxpayer Identification Number (NPWP):

This request form can be filled out and sent directly to Danasyariah.id's official WhatsApp at 0815-1001-7070. The document will be sent to the registered email.