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The AwanTunai

Meet Rama, after having spent a considerable amount of time establishing Gojek, chose to take a break from his work. His days were filled with resting and recuperating after his hard work in the now-giant startup, only taking invitations as a speaker related to the development of the startup industry in Indonesia.

While in one of his speaking engagements, he visited Surabaya, where he met with an old friend. From the conversations they had regarding the state of SMEs in Indonesia, Rama's friend decided that Rama should visit Bangilan to see what the SMEs are like for himself. Bangilan is an area in Tuban, a small area in East Java about 2 hours drive from Surabaya. 

There, Rama chatted with local farmers. Beginning from the conversations he had, it turns out that they have a lot of financial problems, especially capital investments, which means they can't grow their businesses. So far they have had difficulty getting financial access from banks and so, they have no other option but to get a loan from local money lenders who charges very high-interest rates.


Rama then decided to provide those farmers with a lower interest loan. Because of this, the response to their visit to Bangilan was met with a very positive sentiment since the farmer SMEs felt like they are helped by the loan. From this experience, Rama found out that there are many Indonesians who still need affordable access to financing.

He saw this as a good opportunity to help Indonesians in need of safe financial support. So, together with Dino and Windy, AwanTunai was established. With a grand vision to help financial inclusion by opening up affordable bank capitals to unbanked micro MSMEs by creating inclusive economic growth to improve people’s lives.

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CPO & Co-Founder

Windy is an expert in the field of product and business development and is inspired to advance Indonesia's digital economy through the application of financial technology in facilitating the financial community of Indonesia.

This graduate from the University of Indonesia has worked at PT Principia, McKinsey & Company, and Go-Jek Indonesia.


CEO & Co-Founder 

Armed with knowledge from the Stanford Graduate School of Business, Dino believes that the presence of a fintech institution like AwanTunai can encourage financial independence for the people of Indonesia.

Previously, Dino worked at Macquarie Bank Limited, ANZ Banking Group, Citibank Australia, CLSA Asia-Pacific Capital Markets, Morgan Stanley, and Windy Hill Advisory. With this experience, Dino founded AwanTunai in June 2017



Evangelist and Co-Founder

Rama, together with Dino founded AwanTunai in June 2017 with the ambition to advance the welfare of the Indonesian people.

A graduate from Missouri State and Saint Louis University, Rama has worked at Oracle Corporation, Collabnet, He co-founded Nostra Solusi Technolgi, was a CTO for Kartuku, Was the CPO for Go-Jek Indonesia. He also co-founded Sayurbox and is an advisor for OY! Indonesia and Adskom


(Chief Financial Officer)



Shilpa is a seasoned banker and has a strong financial services pedigree having spent her entire professional career in investment banking, payments, transaction advisory, and audit across Asia and Europe with a deep understanding of lending in emerging markets.

Shilpa is a Chartered Accountant and was previously with Citigroup, Liquid Group, Ernst & Young and KPMG


Adelheid was the Director of PT. Tri Digi Fin (KreditPro), Advisor of OY! Indonesia, and Chief of Government Relations of Digiasia Bios with more than 20 years of experience in Strategic Partnerships,  Commercial Banking, and Management. 


(Chief Marketing Officer)

Agus is a product management and development expert with a career spanning more than 20 years of building and leveraging products across various payment and financial institutions. Before joining AwanTunai he was Senior Manager of Product Management at Grab and APAC Regional Finance Product Manager at  PayPal 

Agus Sentosa

(VP of Product)


Ying li is an expert in data mining, text mining, machine learning, and software optimization with 100 patents filed or granted.

Ying Li

(Chief Science Officer)



Chandra is an expert in credit and risk with huge experience in the banking industry. Before joining AwanTunai he was a Senior Reviewer Commercial for PT Jtrust Bank, Tbk.  He also contributes to several banks such as CIMB Niaga Bank, China Construction Bank, and Lippo Bank.   

Chandra Gunawan

(VP of Risk)



Ricky is an expert in software development,  automation, data science, and artificial intelligence, with two decades of experience in software and digital product development. Before joining AwanTunai, Ricky was a Senior Sales Consultant for Oracle and Head of Software Development for Pactera. 

Ricky Putra

(VP of Engineering)


Prada is an expert in sales with an experience more than 15 years in the banking industry. Before joining AwanTunai he was the  Head of China Construction Bank (CCB Indonesia).

Prada Irvani

(VP of National Sales)

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(Board Advisor)

Anika Grant

A global leader in HR, Anika has amassed more than 20 years of business experience. She is Chief People Office Role at Ubisoft and Board Advisor at Ecosystm.


Rico Frans



Rico had a decade of experience in the banking business with exposure to corporate and Consumer Banking. He was Director of IT PT. Bank Mandiri (Persero) Tbk. 




Michael Handisurya

Michael is an equities and business research expert with more than 20 years of experience in the industry. Before joining AwanTunai he was an equity research/analyst in PT. Valbury Sekuritas Indonesia 

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PT SimpleFi Teknologi Indonesia

PT Simplefi Teknologi Indonesia is an Indonesia Company that has been established in 2017. This company engaged in digital financial services that support micro SMEs by running embedded financing products. Windy Hill Ltd and Rama Notowidigdo are shareholders of the company. 

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