Disclaimer Risk

  1. Information Technology Based Borrowing and Lending Service is a civil agreement between the Lender and the Loan Recipient, so that all risks arising from the agreement are fully borne by each party.
  2. Credit or default risk is fully borne by the Lender. No state agency or authority is responsible for the risk of default.
  3. Operator with the approval of each User (Lender and / or Loan Recipient) accessing, obtaining, storing, managing and / or using User's personal data ("Data Utilization") on or inside objects, electronic devices (including smartphones or telephones cellular), hardware or software, electronic documents, applications or electronic systems belonging to the User or controlled by the User, by notifying the purpose, limitations and mechanism of Utilizing the Data to the concerned User before obtaining the said consent.
  4. Lenders who do not have the knowledge and experience of lending and borrowing, are advised not to use this service.
  5. Loan recipients must consider the loan interest rate and other costs according to their ability to repay the loan.
  6. Every cheating is recorded digitally in cyberspace and can be known to the public at large on social media.
  7. The user must read and understand this information before making a decision to become a Lender or Lender.
  8. The Government, in this case the Financial Services Authority, is not responsible for any violations or non-compliance by the User, both the Lender and the Lender (either due to the user's intent or negligence) of the provisions of the legislation or the agreement or agreement between the Provider and the Lender and the Lender / or Loan Recipient.
  9. Every transaction and lending and lending activity or carrying out an agreement regarding lending and borrowing between or involving the Operator, Lender and / or Loan Recipient must be done through an escrow account and virtual account as required under the Financial Services Authority Regulation Number 77 / POJK.01 / 2016 concerning Information Technology Based Borrowing and Lending and Borrowing Services and violations or non-compliance with the provisions are evidence of violations of law by the Operator so that the Operator must bear the compensation suffered by each User as a direct result of violations of the law above without reducing the rights of Users who suffer losses according Code of Civil law.

A Message From The Board of PT Smartec Teknologi Indonesia (BantuSaku)

Dear Valued Customers, Beloved Employee and Respected Colleagues,

In response to the rapidly evolving situation of the COVID-19, BantuSaku has put in place measures to promote the healthy and safety of our colleagues and our communities, while continuing to deliver state of the art service to our clients. We have implemented a work from home policy starting from the 23rd of March 2020 with making greater use of technology while maintaining the quality of our services.

We understand that this is a challenging times for us all, the severity of the situation is unprecedented before. In this challenging time, BantuSaku wants to ensure that we are there for our Valued Customers, Beloved Employee and Respected Colleagues to provide them with the assistance they need as we move forward together in this situation.


PT Smartec Teknologi Indonesia.


How To Apply


Easy certification process


Accurate verification process


Direct Funds Disbursement



Smart Finance

Our platform is a mobile-based lending platform that helps customers with an urgent need for small-sum short-term loans. It provides 1,000,000 to 10,000,000 rupiah loans for 30 to 90 days.


Risk Management Platform

We have developed an advanced risk management system leveraging our proprietary technology, algorithms and data sources.


Data Research

This system enable us to assess the credit-worthiness of our borrowers more effectively and provide risk-based pricing for our products to better serve.


Banking System

Loan Management. Contract Management. Payment Management. Post-origination Service. Products management


Smartec managememt team is composed of experts with many years of experience in banking, finance, and financial technology in Indonesia and abroad. They are deeply engaged in the field of financial technology.

Contact US

Working Time: Monday-Friday 9:00-17.30

DEA Tower II, 11th Floor Suite 1101 Kawasan Mega Kuningan Jl. Mega Kuningan Barat Kav. E4.3 No. 1-2 Jakarta Selatan 12950