KTA Bijak - Kredit Pinjaman is a mobile application designed to provide loan services to individuals who have limited access to banking services in Indonesia. The app offers loan limits ranging from Rp1,000,000 to Rp8,000,000 with repayment periods ranging from 91 to 365 days. The maximum interest rate is 14% per year (APR) inclusive of interest rate plus bill and other fees for one year. The app is free and falls under the Business & Productivity category, specifically Finance.

The app is easy to use and requires only your personal information and identification card (KTP) to apply for a loan. With artificial intelligence (AI) and big data, KTA Bijak - Kredit Pinjaman guarantees a safe and convenient application process. There are no hidden fees during the application and repayment process, and payments can be made through various methods, including ATMs, mobile banking, and all ALFA GROUP branches. KTA Bijak - Kredit Pinjaman offers its services throughout Indonesia.