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| Feature | Details | |---------|---------| | | IDR 500,000 – IDR 20 million (varies by user profile) | | Tenor | 61 – 180 days (approx. 2–6 months) | | Interest Rate | Max daily interest around 0.3% – 0.4% (effective APR ~ 36%–96% per year, typical for this sector) | | Fees | Administration fee (2–5% of loan), late payment penalties | | Disbursement Speed | Within 15 minutes to 1 business day after approval | | Repayment Method | Virtual account transfer (Bank BCA, Mandiri, BRI, etc.) or Alfamart/Indomaret | | Collateral | None (unsecured) | | Credit Check | Uses proprietary digital scoring (alternative data: SMS, contacts, phone metadata) |

: Instructions for transferring funds between e-wallets like DANA, OVO, and GoPay without high fees. 4. General Lifestyle & Tech siberuang.com

: Step-by-step instructions for applying for digital credit products like Akulaku , Kredivo , and Shopee PayLater . | Feature | Details | |---------|---------| | |

Productivity tools and multimedia applications, including specialized research software such as IBM SPSS Statistics . General Lifestyle & Tech : Step-by-step instructions for