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 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 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.