KoinWorks is a peer-to-peer lending platform registered and supervised by the Financial Services Authority (OJK). Additionally, KoinWorks ensures that the funding you provide is well-managed and distributed to MSMEs that have undergone a credit analysis process and are deemed eligible for funding. It is important to understand that funding in peer-to-peer lending carries the risk of default from borrowers. However, the good news is that with the KISS feature, the diversification facilities offered minimize this risk, making your funding much safer.