KrediOne and Bank Ganesha Launch Inclusive Financing for Individuals and SMEs

KrediOne Partners with Bank Ganesha to Provide Inclusive Financing for Individuals and SMEs

• [Special]

Jakarta, VIVA – PT Inovasi Terdepan Nusantara (KrediOne) has entered into a strategic partnership with Bank Ganesha through loan channelling, aiming to expand access to financing for the unbanked and underserved populations, as well as SMEs that have not yet been reached by banking services.

Chief Executive Officer (CEO) of KrediOne, Kuseryansyah, explained that this step is a manifestation of the company’s commitment to promoting equal access and increasing financial inclusion for individuals and SMEs in Indonesia.

“This collaboration reflects the increasing trust of the banking industry in the digital financing model,” said Kuseryansyah in a statement on Tuesday, 24 February 2026.

He emphasised that this step is an important milestone for the company at the beginning of 2026, and also a momentum to increase financial inclusion, expand impact, and provide faster and more targeted access to credit for individuals and SMEs, while still adhering to strong governance principles.

The signing of the cooperation agreement took place on Monday, 23 February 2026, at the Bank Ganesha headquarters in Central Jakarta. This collaboration is in line with the regulator’s policy of encouraging partnerships between the banking industry and providers of Technology-Based Peer-to-Peer Lending Services (LPBBTI) or Online Lending (Pindar), as part of strengthening the national financing ecosystem.

Through the channelling scheme, it is hoped that this will expand the reach of financing and accelerate financial inclusion, especially for communities that still have limited access to formal credit.

“This collaboration is a strategic step for the company in expanding the role of the online lending industry as an adaptive and innovative digital financing platform that caters to the needs of the community and SME businesses,” he said.

Similarly, President Director of Bank Ganesha, Setiawan Kumala, said that this collaboration is part of the bank’s strategy to contribute to national economic growth, especially in the segment of the population that has not yet been served by banking services.

“Through this strategic collaboration, this can be done effectively and efficiently through the digitalisation of financing, while still paying attention to the principle of prudence,” he said.

The collaboration between KrediOne and Bank Ganesha comes at a time when there is still room for national financial inclusion, especially in the segment of the population and SMEs that still face limited access to formal financing.