Heaptalk, Jakarta — Indonesia’s fintech startup AdaKami reported robust growth in the first quarter (Q1) 2025 by disbursing a total of US$233 million or about Rp3.94 trillion in loans. The company also successfully maintains a TKB90 rate of 99.82%.
“Our consistent application of prudent principles, supported by advanced technology, forms a strong foundation for maintaining healthy loan quality. This strategy ensures sustainable growth amid the dynamic developments of the digital finance sector,” said Karissa Sjawaldy, Chief of Public Affairs at AdaKami.
Strategic approach for responsible lending
AdaKami’s responsible lending approach is rooted in compliance with the latest regulatory frameworks, including the OJK Regulation No. 40 of 2024. The company’s lending strategy emphasizes both growth and quality, ensuring that broader financial access is paired with comprehensive risk management.
According to Adelheid Helena Bokau, Head of Government Relations at AdaKami, “We are continuing to deliver secure, transparent, and inclusive financial services. For us, financial inclusion is not only about reaching more people, but also about ensuring they receive services tailored to their individual needs and capacities. By integrating prudence with advanced technology, we strike a balance between access expansion and risk mitigation, safeguarding our users while fostering a healthy fintech lending ecosystem.”
The platform utilizes mobile-first services, integrated electronic Know-Your-Customer (e-KYC) systems, and big data analytics to expedite loan processing while ensuring accuracy and fairness. Automated systems assess applicants’ credit histories and financial capacity to determine eligibility responsibly.
“With the technologies we deploy—ranging from identity verification to creditworthiness analysis—we evaluate prospective borrowers not just through raw data but also within the broader context of their financial situations,” explained Jonathan Kriss, Brand Manager at AdaKami. “This enables us to set appropriate credit limits, reduce default risk, and offer more personalized and sustainable financial experiences.”
To prevent fraud and ensure data integrity, AdaKami employs rigorous internal verification processes, including checks to validate age and identity authenticity, as well as detect AI-based manipulation—an increasingly common tactic used by fraudsters. Furthermore, AdaKami’s AI-driven credit scoring model, built on big data insights, allows the platform to assess repayment capabilities even for individuals without conventional credit histories. This strategy not only mitigates over-indebtedness but also expands financial access to underserved communities.
“These mechanisms embody our prudent approach to risk mitigation. They also protect our users and ensure the continued health of our lending operations. Our high TKB90 and significant disbursement figures prove that integrating innovation with caution is the most effective path toward sustainable growth,” added Karissa. (04/22)
