“Can Pohon Dana become the leading MSME digital lender in Indonesia by combining Mayapada Group distribution with modern, AI-ready lending infrastructure?”
Founded in 2018 as a P2P lending platform (LPBBTI) licensed by Indonesia's OJK, Pohon Dana sits within the Mayapada Group fintech ecosystem and targets MSME and employee lending. The company offers employee loans, invoice financing, early pay for suppliers, and working capital loans. In 2026, it modernised its core infrastructure by adopting Oradian's digital-native core banking and loan management system, signalling a shift from growth-only focus toward scalable, compliance-ready, AI-capable infrastructure to compete in Indonesia's maturing digital lending market.
Pohon Dana is founded in 2018 and headquartered in Indonesia.
Get a read on where your own stack stands against Pohon Dana and the rest of its category — what they built versus bought, which providers they use, and where the gaps in your own strategy and competitive set actually are.