SPinjam Introduces 'Clear Without Traps' Campaign for Transparent Digital Lending

Promoting Financial Transparency in Digital Borrowing

SPinjam, a digital lending service provided by PT Lentera Dana Nusantara, has launched a special campaign called 'Jelas Tanpa Jebakan' (Clear Without Traps) running from January 12 to February 12, 2026 ¹

²

Source 2

https://finance.detik.com/berita-ekonomi-bisnis/d-8302509/edukasi-keuangan-digital-spinjam-kenalkan-kampanye-jelas-tanpa-jebakan

. This initiative is designed to promote transparency and responsible borrowing practices in Indonesia's rapidly growing digital lending market. The campaign is particularly focused on first-time borrowers, offering them a 0.06% daily fixed interest rate and no administrative fees ¹

Source 1

https://keuangan.kontan.co.id/news/spinjam-tawarkan-bunga-rendah-dan-jelas-tanpa-jebakan

.

Key Features of the Campaign

1. Transparent Pricing: The daily fixed interest rate of 0.06% allows borrowers to accurately calculate their repayment amounts without worrying about sudden increases.
2. No Hidden Fees: The absence of administrative fees ensures that borrowers receive the full approved loan amount without any deductions.
3. Easy Activation Process: Borrowers can activate the SPinjam service directly through the ShopeePay or Shopee applications, making the process convenient and user-friendly.

Industry Context and Regulatory Compliance

SPinjam is operated by PT Lentera Dana Nusantara, which is licensed and supervised by the Financial Services Authority (OJK). This regulatory compliance ensures that SPinjam adheres to strict guidelines regarding transparency and consumer protection in digital lending. The company's commitment to clear and transparent practices addresses common concerns associated with digital lending services, such as hidden costs and exorbitant interest rates.

Impact on Digital Lending Practices

The 'Jelas Tanpa Jebakan' campaign represents a significant step towards improving consumer trust in digital lending platforms. By offering transparent terms and conditions, SPinjam sets a positive example for the industry. This move is particularly important as the demand for quick and accessible financing continues to grow among Indonesian consumers. The campaign not only benefits first-time borrowers but also contributes to the overall development of a more transparent and responsible digital lending ecosystem in Indonesia.