Modalrakyat is a working capital enabler for startups and SMEs. Through its B2B2C API-driven technology, Modalrakyat unlocks “productive pay-later” feature for various use cases of tech-startups ecosystem, ranging from logistic marketplace, POS (Point of Sales), to PPOB (payment point online banks).

Modalrakyat’s revolutionary business model has made them able to access transaction data of more than 500,000 potential clients of its strategic partners. This advantage then is leveraged by proprietary big-data machine learning credit scoring system to automate approval process and enable high quality borrowers into the platform to be funded by their retail and institution lenders.


We are officially registered under  OJK (Financial Service Authority) and Kominfo (Ministry of Technology, Information, and Communication). Modal Rakyat is currently backed by PT. GDI (whom investors include vertex, Insignia, and telkom).

If you are interested in fast paced & high-tech environment while supporting financial inclusion to more than 60million MSMEs in Indonesia, you are the right person to join our team (joinus@modalrakyat.id)

Positions open:
- Front-end Engineer
- Full-stack Engineer
- UI/UX Designer/engineer
- Data Engineer
- Product Manager

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Modal Rakyat

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Modal Rakyat

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