PDaja.com

PDaja.com is a platform owned and operated by Bank Sahabat Sampoerna, a regulated Indonesian bank supervised by the Otoritas Jasa Keuangan (OJK). The bank is part of the wider Sampoerna group, which traces its origins to Indonesia's kretek cigarette industry. This means PDaja.com operates on a deposit-taking institution's license rather than as a standalone fintech lender, giving it a funding and regulatory footing that differs from peer-to-peer platforms.

The rekening koran product is a revolving credit facility secured by property collateral. Borrowers receive a committed line and can draw funds gradually; interest accrues daily only on the utilized balance, typically starting at 1.5 percent per month. Principal can be repaid at the end of the tenor, which ranges from one to seven years with annual renewal. This structure provides flexible working capital rather than a bullet term loan.

The platform accepts residential houses, shophouses (ruko), warehouses, and apartments as collateral, provided the borrower holds a valid certificate — freehold (SHM), right-to-build (SHGB), or strata-title for apartments (SHMSRS). No unsecured lending capability is advertised for the core product line, though a separate payroll-deducted loan exists for employees of partner corporations.

PDaja.com is neither a family office nor a venture firm. It is a digital lending platform that functions as a channel for Bank Sahabat Sampoerna's secured credit products. The platform originates loans but does not manage a pool of proprietary investment capital allocated across asset classes.

PDaja.com sits inside Bank Sahabat Sampoerna, which is part of the Sampoerna group — a conglomerate whose founding family built one of Indonesia's largest kretek cigarette manufacturers before selling a controlling stake to Philip Morris International in 2005. The bank represents one pillar of the family's diversified financial-services holdings, and PDaja.com serves as its digital credit-origination engine.

PDaja.com does not make fund commitments or equity investments. Its entire operation consists of originating property-backed loans to individuals and businesses, funded through Bank Sahabat Sampoerna's balance sheet. There is no disclosed vehicle for external limited partners or co-investment structures.

The platform combines direct digital applications with a distributed referral network of 1,800 corporate and individual partners. These partners earn commissions — up to 6 percent of the approved facility across disbursement, top-up, renewal, and loyalty milestones — for referring prospective borrowers. This model outsources origination and local-market access while keeping underwriting and collateral assessment centralized at the bank.