AdaKami Affirms Commitment to Transparency in Line with OJK Regulations

Transparency is actually nothing new at AdaKami, because since we first served the public in 2019, we have ensured that transparency occurs.

Jakarta (ANTARA) - Strategic Communication and Brand Lead of PT Pembiayaan Digital Indonesia (AdaKami) Jonathan Kriss confirmed that the company is aligned with Financial Services Authority (OJK) regulations regarding transparency.

“Transparency is actually nothing new at AdaKami, because since we first served the public in 2019, we have ensured that transparency occurs. But indeed, especially this year, we want to highlight again our commitment to transparency as a form of consumer protection,” he said at the AdaKami Transparency Campaign Launch event in Jakarta on Thursday.

The company affirmed its commitment to transparency through three main pillars that users can understand directly within the application.

The first is no upfront deductions, meaning loan funds are received in full. Apart from stamp duty fees, there are no other fee deductions at the outset.

Next is flat monthly instalments per period (30 days), in accordance with the information displayed from the start.

The final pillar is no hidden fees, meaning the amount of funds received, interest, service fees, tenor, instalment schedule, and total obligations are displayed before the consumer approves the loan.

“We will display the fee breakdown before the customer gives approval or signs the loan agreement contract,” said Jonathan.

The company revealed that this commitment to transparency is reflected in the level of user understanding.

A 2026 study by the Institute for Economic and Social Research at the Faculty of Economics and Business, University of Indonesia (LPEM FEB UI) showed that more than 95 percent of AdaKami users understand their total payment obligations before agreeing to a loan.

This is considered evidence that the clear presentation of information from the outset has a direct impact on consumer understanding.

Through the “Buka-Bukaan” campaign, AdaKami is promoting transparency of loan information as a minimum standard that every consumer should receive.

This step is stated to be in line with OJK’s direction in encouraging the financial services industry to deliver open, transparent and responsible services for the creation of a stronger consumer protection ecosystem.

“The Buka-Bukaan campaign does not stop just today, but we already have a commitment to continue a series of activities that actually help the public,” he said again.

“The public has a habit when using financial instruments, because they know the risks, they know their obligations and rights, and when something happens, they also need to know what to do. So, this is actually what AdaKami will continue to do going forward,” said the Strategic Communication and Brand Lead of AdaKami.