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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

Help micro entrepreneurs prosper through access to low cost financing.

AwanTunai's Mision

Digitize the supply chain for data to turn micro entrepreneurs into bankable customers via our platform.

AwanTunai's 3 Culture Pillars

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Build Trust

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Execute fast and independently

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Experiment and improve

Rama's Story

After spending a considerable amount of time in establishing Go-Jek, Rama chose to take a break from his work. However, occasionally he still accepts invitations as a speaker related to the development of the start-up industry in Indonesia. One of the cities he visited was Surabaya. While in Surabaya, Rama met a friend and invited him to visit Bangilan, an area in Tuban, about 2 hours drive from Surabaya.


There, Rama chatted with local residents who made farming as his main job. Starting from this conversation, it turns out that they have a lot of financial problems, especially in matters of capital. So far they have had difficulty getting access to finance from banks and they have no other option but to get a loan from local money-lenders who charge them with very high interest rates.


Rama then decided to provide those farmers with a lower interest loan. Afterwards, the response was very positive. All farmers feel helped by this loan. And from this experience, Rama finds out that there are many Indonesians who still need an affordable access to financing.


Rama saw this as a good opportunity to help Indonesians who need those access to financial support. Starting from this, Rama decided to establish AwanTunai. Together with Dino and Windy, they have a vision to provide affordable financing for MSME players, which will later advance and empower people to grow and develop.


AwanTunai is an award-winning, VC-backed financial technology company revolutionizing Indonesia’s FMCG supply chain. Led by ex-Silicon Valley, fintech, and ex-GoJek executives, they provide wholesalers and micro-merchants with app-based and data-driven digital services, including affordable inventory purchase financing, integrated online ordering, and lightweight inventory management. Founded in 2017, they began with a goal to provide sustainable financing for Indonesia’s unbanked and underbanked micro-merchants and have since expanded to digitizing to improve the operations and cashflow management of their network of wholesalers and micro-merchants.

Since 2017, AwanTunai has secured over US$24Mn in equity and debt financing from prominent venture capital firms and financial institutions like AMTD Group. They also work with regional financial institutions including UOB, OCBC, and JTrust, and have secured a full permanent fintech license from Indonesia’s OJK.

Their innovative work in financial inclusion has won accolades from the UNCDF (Top solution for COVID Financial Health Challenge 2020), IFC-led SME Finance Forum (Gold for Product Innovation of the Year 2020), and Monetary Authority of Singapore (1st Place for ASEAN Fintech of the Year 2020), as well as an audience at the United Nations for the UNDF Task Force Meeting in 2019.

Home: Testimonials
AwanTunai Leadership Team

Windy Natriavi

Co-Founder AwanTunai

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. 1,402,058,456,970

Total Outstanding Loan

Rp. 104,419,299,245

Borrowers Accumulated Number


Borrowers Active Number


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