IKI Modal is Branding of PT IKI Karunia Indonesia, founded in July 2019, is a peer-to-peer lending platform that offers productive and consumer loans for online/offline products. The platform connects borrowers to both personal and institutional lenders. It also utilizes the most advanced in-house credit risk profiling system. The Company is a recognized member of the official Indonesian Fintech Association or Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) and in August 2021, the Company was granted full operating licensed from The Financial Services Authority or Otoritas Jasa Keuangan (OJK).