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AwanTunai exists to provide Financing Solutions for SME's in Indonesia

We support banks to provide financing as one of the financial access to large consumers in Indonesia. We believe that each person in Indonesia deserves the access to an affordable and safe financing to improve their welfare, be it shop owner who has difficulty getting a working capital, or consumer who wants to enjoy the convenience of modern financing at the store.

AwanTunai is partnering with producers and distributors to reach over one hundred million micro entrepreneurs in this archipelago which become the backbone of the Indonesian economy. We work hard to provide affordable financing access to micro entrepreneurs, both in terms of working capital and financing for their consumers.

AwanTunai presents #MajuBersamaAwanTunai program, which includes various kind of services to meet the needs of the Indonesian people, namely AwanTempo.


Provide micro SMEs with affordable financing, ultimately to modernize and empower the masses to grow and prosper.


Digitize the traditional supply chain to acquire data and supplier network to enable low cost financing.

AwanTunai Cultures

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Devotion to the vision

Act like in war

Celebrate and learn from mistakes

Integrity. Build trust with company, team, and customers

AwanTunai Leadership Team

Graduated from Universitas Indonesia, Windy experts in product and business development. She is inspired to promote Indonesia’s digital economy through technology utilization in order to facilitate Indonesian people in financial area. Prior to her career in AwanTunai, she was previously worked in PT Principia, McKinsey & Company, and Go-Jek.

Windy Natriavi

AwanTunai Commissioner

Held a degree from Stanford Graduate School of Business, Dino believes that the existence of FinTech community like AwanTunai, will be able to encourage financial independence for the people of Indonesia. Now as a founder of SimpleFi Teknologi Indonesia (known as AwanTunai), Dino previously worked in Macquarie Bank Limited, ANZ Banking Group, Citibank Australia, CLSA Asia-Pacific Capital Markets, Morgan Stanley, and Windy Hill Advisory. Armed with those experiences, Dino established AwanTunai in June 2017.

Dino Setiawan

Co-Founder AwanTunai

Rama Notowidigdo

Co-Founder AwanTunai

As a Co-Founder of AwanTunai since June 2017, Rama got his degree from Missouri State and Saint Louis University. With his various working experiences in several company, such as Oracle Corporation, Collabnet, Co-Founder Nostra Solusi Technolgy, CTO Kartuku, CPO Go-Jek, Co-Founder Sayurbox, Advisor OY! Indonesia and Adskom, Rama desires to raise the welfare of the Indonesian people.

OJK Report Operating Performance

Total Loan Accumulation

Rp. 40,2 Milyar

Total Outstanding Loan

Rp. 5,2 Milyar

Borrowers Accumulated Number


Borrowers Active Number


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