We have the technology and finances to make your shop live in the modern world

AwanTunai also helps government efforts by providing technology and financing to grocery suppliers and traders in Indonesia. We believe that every Indonesian has the right to access affordable, safe, and modern financing to improve their welfare.


We focus on developing technologies to advance and facilitate Indonesians’ businesses and also provide financing to grocery traders who have difficulty getting additional capital for their businesses. We provide apps that can be easily used by grocery traders to get financing to purchase items from suppliers who have collaborated with AwanTunai, as well as providing technology for suppliers to make it easier to record their inventory and monitor transactions that are happening in their stores.


Currently, AwanTempo products have hundreds of grocery traders and dozens of suppliers who have worked together in the Greater Jakarta area, Bandung, Surabaya, and Bali.

AwanTunai's Vision

Is low cost financing for all micro entrepreneurs to help them prosper

AwanTunai's Mision

To achieve the vision is digitizing the downstream supply chain for data to power low cost financing

AwanTunai's 4 Culture Pillars

Commit to the company's vision

Act like you’re in a battle

Learn from mistakes and celebrate successes

Have integrity. Build trust with companies, teams, and customers

AwanTunai Leadership Team

Windy Natriavi

AwanTunai Commissioner

Windy is very competent 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.

Dino Setiawan

Co-Founder AwanTunai

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

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

Rama Notowidigdo

Co-Founder AwanTunai

OJK Report Operating Performance

Total Loan Accumulation

Rp. 407,441,718,858

Total Outstanding Loan

Rp. 65,685,656,987

Borrowers Accumulated Number


Borrowers Active Number