Pinang Flexi from Bank Raya Offers Practical Financial Solutions Post-Eid al-Fitr

Jakarta, CNBC Indonesia - As a digital bank that is part of the BRI Group, Bank Raya is consistently committed to continuing to deliver innovative and easily accessible financial solutions to the wider public, particularly through the utilisation of technology.

In line with the increasing needs of the public following the Eid al-Fitr 2026 celebration, Bank Raya, through one of its flagship digital products, Pinang Flexi, offers the convenience of digital multi-purpose loans with a fast, easy, and more practical process.

“Following Eid al-Fitr, the public certainly has various needs that must be met, such as basic necessities, household requirements, or preparations for children returning to school after the long holiday. With the ease offered by Pinang Flexi, the public does not need to worry about accessing easy and reliable loans,” said Bank Raya’s Business Director, Kicky Andrie Davetra, in a written statement on Friday (27/3/2026).

For the record, Pinang Flexi offers loan ceilings starting from Rp1 million to Rp25 million. For loyal customers, the ceiling offered by Pinang Flexi can reach Rp35 million with flexible tenors between 1 and 18 months and competitive interest rates.

Pinang Flexi can be accessed by customers who have an ID card, are aged 21 to 55 years, receive salary through a Bank Raya or Bank BRI account for at least 7 months, and have a good credit history.

Not only that, Pinang Flexi can be accessed by workers with Bank Raya and Bank BRI payroll accounts. With a fast fund disbursement process and no upfront fees, Pinang Flexi becomes a relevant choice for customers to meet practical financial solutions amid the increasing consumptive needs of the public.

The Pinang Flexi application process can be done by downloading the Pinang Flexi app on the App Store and Google Play Store. Customers will be asked to fill in their personal details and the nominal ceiling applied for. If the application meets the requirements, it will be processed further to the approval stage, and the funds will be disbursed to the customer’s account in accordance with the applicable provisions.

In addition, there are several steps that can be taken in applying for Pinang Flexi through third-party platforms, for example on the JMO (Jamsostek Mobile) app. In this case, users can open the JMO app then select the “Others” menu, next click on the “Financial & Welfare” section, select the “Emergency Funds” menu and proceed by selecting the Pinang Flexi option. After that, users are asked to agree to the terms and conditions by selecting “I Agree” and are automatically directed to the Pinang Flexi WebView to continue the application process.

As one of the flagship digital products, Pinang Flexi also contributes to driving the growth of Bank Raya’s digital business. This is reflected at the end of December 2025, when the total outstanding Pinang Flexi increased by 20.5% year on year (yoy) to Rp1.03 trillion with 21,544 customers. This growth indicates the high interest of customers in fast and flexible financing solutions to meet various public needs.

“Going forward, we will continue to strengthen the digital capabilities of Pinang Flexi to reach more customers, for which we will continue to encourage collaboration potential with various companies to provide cash loans for their employees’ various needs. We are also committed to delivering relevant, fast, and reliable innovations for the public’s financial management needs,” he emphasised.