{
    "success": true,
    "data": {
        "id": 1902845,
        "msgid": "financing-take-over-services-seen-as-solution-for-quick-cash-needs-1785955850",
        "date": "2026-08-06 00:29:26",
        "title": "Financing 'Take Over' Services Seen as Solution for Quick Cash Needs",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Finance",
        "summary": "Indonesian financing platform FINGO highlights the growing demand for secured loans using vehicle or property certificates as collateral amid rising liquidity needs. The company offers an integrated system and end-to-end assistance to simplify the application process, which it claims can result in fund disbursement within three to seven days. This reflects broader trends in the multifinance sector, where total vehicle financing disbursements reached Rp404.94 trillion as of July 2025.",
        "content": "<p>The increasing liquidity needs of the public have made access to fast\nand easy financing a crucial factor in maintaining household financial\nstability. The Financial Services Authority (OJK) recorded that total\nmotor vehicle financing disbursements by multifinance companies reached\nRp404.94 trillion as of July 2025. Chris Chen, Chief Executive Officer\nof PT Anggrek Teknologi Indonesia, stated that loans secured by vehicle\nownership documents (BPKB) or property certificates (SHM) are often the\nprimary choice for people needing cash funds. \u201cThe process, which is\nrelatively simpler compared to unsecured loans, is a particular\nattraction amidst both consumptive and productive needs,\u201d Chris said in\na statement on Wednesday, 5 August 2026. However, he noted that for some\npeople, the loan application process is still considered complicated.\nDocument preparation and the selection of a financing institution often\nremain obstacles, not to mention the equally complex interest rate\nnegotiations. \u201cIn this regard, financing companies like FINGO play a\nrole in providing assistance to prospective customers,\u201d he said. Chris\nexplained that FINGO is a platform that connects the public with a\nnetwork of multifinance company partners. Through an integrated system,\nFINGO helps customers apply for loans secured by vehicle BPKB (cars and\nmotorcycles) or property SHM. \u201cThe process begins with consultation and\ndocument verification, followed by submission to a multifinance partner\nthat suits the customer\u2019s needs,\u201d Chris said. He explained that\nassistance is the core value offered by FINGO to its customers. With\ncomplete documents, the verification process can proceed more quickly,\nwith the average process from application to fund disbursement taking\nbetween 3 and 7 days. \u201cDoubt and confusion still often arise among the\npublic when applying for financing. That is why FINGO is here to assist\nthem from start to finish,\u201d he said. To apply for a loan through FINGO,\ncustomers need to prepare the following documents: customer\u2019s KTP and\nspouse\u2019s KTP, Family Card (Kartu Keluarga), BPKB and STNK (for motor\nvehicles) or SHM (for property), NPWP, proof of home ownership, and\nproof of income. One of FINGO\u2019s advantages is its integrated operational\nsystem, designed to reach and respond to customer needs more quickly.\nProspective customers can begin the application process digitally, after\nwhich the FINGO team will contact them for further processing.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/financing-take-over-services-seen-as-solution-for-quick-cash-needs-1785955850",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}