PT Irian Putra Sejahtera — Business Financing Access, South Jakarta

Check a lender now

Tick what applies to the lender you are looking at

Think of a specific app, website or person offering you money. Tick every statement that is true of them. The panel counts the warning signs as you go.

On the phone

It asks for access to contacts, gallery or SMSLegal lenders are limited to camera, microphone and location. Your contact list is what an illegal lender uses to shame you later.

You found it through a message you did not ask forSMS, WhatsApp or social media offers arriving uninvited are a standard recruitment channel for illegal lending.

There is no clear company name or office addressA licensed lender identifies itself. An app with a brand and nothing behind it is telling you something.

On the money

It promises money in minutes with almost no checksApproval without any assessment of whether you can repay is not generosity. It is how the trap is set.

The interest, fees and total are not stated clearlyIf you cannot see what you will repay in total before accepting, assume it is far more than you expect.

Less money arrives than you borrowedLarge deductions taken before the money is paid out — so you owe the full sum but received much less.

It asks for a payment before the loanAn "admin", "insurance" or "verification" fee paid first. This is fraud, whatever it is called.

On the name

It claims to be "registered with OJK" but you have not checkedIllegal lenders routinely use the regulator's name. The claim means nothing until you have verified it yourself.

It does not appear when you check with OJKThe single most decisive sign. If the official channel does not know it, you should not either.

Before you borrow from anyone

Three ways to check with OJK

It takes minutes, and it is the only verification that counts. Check the exact name of the company or the app — illegal operators change names constantly, which is why checking the name matters more than memorising lists.

Telephone

Kontak OJK, the regulator's official contact line.

157

WhatsApp

Send the name of the app or company and receive its status.

081-157-157-157

Email and website

For written questions and the official lists of licensed providers.

konsumen@ojk.go.id

These are OJK's channels, not ours. We publish them because they are the right place to check any lender — including every institution we ever introduce you to.

If it has already happened

Caught by an illegal lender? Do this, in order.

Stay calm. The threats are designed to make you panic and pay, and paying under pressure almost never ends them.

01
Revoke the app's permissions, then uninstall itGo into your phone settings, remove access to contacts, gallery, camera, microphone and location, and delete the app.
02
Keep every piece of evidenceScreenshots of threats, chat histories, recordings of calls, transfer receipts and a written timeline of what happened.
03
Report it to OJK and Satgas PASTISatgas PASTI is the task force that deals with illegal financial activity, including illegal lending. Report through the official OJK channels above.
04
Report threats to the policeIntimidation, extortion and spreading your personal data without consent are crimes, not collection methods.
05
Warn the people in your contactsTell them before the lender does. Messages sent to them lose most of their power once they know what is happening.

Never pay a second party who offers to settle it for you. Offers to "close the account faster" or "clear your name" for an extra transfer are a well-known follow-on scam aimed at people who have already been caught once.

What we do

Getting a small business ready for real financing

Understanding the options

Bank credit, licensed financing companies and licensed online lending each suit different needs. We explain which fits what you are trying to do.

Preparing the application

Organising the records, statements and documents that a licensed lender will ask for, so an application is complete the first time.

Sizing the need honestly

Working out how much the business actually needs and can realistically repay, before anyone applies for anything.

Checking every lender

We only point you towards institutions whose licensing you can confirm with OJK yourself — and we show you how.

What we never do: lend money, hold client funds, guarantee approval, charge a fee to "unlock" a loan, or ask for access to your phone, your banking passwords or your one-time codes. The final decision on any application belongs to the licensed institution.

Questions

Asked regularly

i.Are you a lender?

No. We do not lend and we do not hold anyone's money. We help businesses prepare for and approach institutions licensed by OJK. If anyone offers you a loan using our name, it is not us.

ii.Can you guarantee my business gets approved?

No, and nobody honestly can. The licensed institution makes its own decision. Anyone who guarantees approval — especially for a fee paid first — is describing a fraud.

iii.Is every online loan app illegal?

No. Licensed online lending exists, is supervised by OJK, and follows rules on data access, pricing and collection. The problem is that illegal apps look similar. That is exactly why the check above matters.

iv.An app has my contacts and is threatening to message them.

Follow the steps in the dark section above: revoke permissions, keep evidence, report to OJK and Satgas PASTI, and report threats to the police. Warn your contacts yourself first. Do not pay anyone offering to make it stop for an extra fee.

v.How do we start?

Tell us what the business does, what the money is for and roughly how much. The first conversation costs nothing, and it may end with us telling you that you do not need to borrow at all.

Contact

Talk to us first

These are the only channels this company uses. We will never contact you first with a loan offer.

OfficeJl. Benda No. 35, Ciganjur
Jagakarsa, Jakarta Selatan 12635

Telephone+62 857 8797 9050

Emailmail@ptirianputrasejahtera.com