Pohon Dana
“Can Pohon Dana become the leading MSME digital lender in Indonesia by combining Mayapada Group distribution with modern, AI-ready lending infrastructure?”
Founded2018
HQIndonesia
IndustryFintech / Lending
The story
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.
Product timeline
2018
PT Pohon Dana Indonesia founded as a P2P lending / digital financial services platform.· lending
2026
Pohon Dana adopts Oradian's cloud-native core banking and loan management platform to scale MSME lending operations.· banking
Regulated entities
LPBBTI (Layanan Pendanaan Bersama Berbasis Teknologi Informasi)
Indonesia (OJK)
PT Pohon Dana Indonesia
The stack
Lending
Accounting gap: none