PDaja.com Soroti Tren Kebutuhan Dana Besar Hadirkan Skema Pinjaman Fleksibel Berbasis Properti

JAKARTA - Entering the second quarter of 2026, the need for large amounts of funding continues to show a significant upward trend. The financing needs in the national Micro, Small and Medium Enterprises (MSMEs) sector are estimated to reach Rp. 4,300 trillion. However, in the midst of high capital demand, the public and business actors are often faced with accessibility challenges and concerns about the burden of inflexible financial obligations.

Responding to this market dynamics, PDaja.com, a digital financing platform under the auspices of PT Bank Sahabat Sampoerna (Bank Sampoerna), presents a property-based loan solution. This innovation is aimed at providing financing alternatives that are not only large in terms of ceilings, but also adaptive to customer cash flow conditions through a more dynamic payment scheme.

One of the main features introduced by PDaja.com is the Koran Account Ceiling (PRK) scheme. Through this scheme, customers have the flexibility to manage fund withdrawals according to real needs in the field. Unlike conventional loans that charge interest on the entire loan amount from the beginning, the PRK scheme allows interest to be calculated only based on the amount of funds actually used.

Hubertus Satrio Yudanto, Lending Center Business Head of Bank Sampoerna, revealed that flexibility is now a determining factor in financial decision-making.

"We observe that many asset owners are hesitant to expand their businesses because they are afraid of being burdened by large fixed installments at a time when their business income may still be fluctuating. With this scheme, customers have full control. If the funds have not been used, the interest burden will not run. This is a real form of cost efficiency for business actors," explained Hubertus, Thursday, April 23.

In order to speed up the banking bureaucracy process, which has been considered time-consuming, PDaja.com strengthens its digital ecosystem with the Self-Assessment feature. Through this feature, prospective customers can conduct a self-assessment of their assets and financial profiles online at www.padaja.com.

The PDaja.com system will provide Pre-Approval status and loan ceiling estimates instantly after the form is completed. This step provides transparency and certainty at the beginning for customers, before they proceed to the physical document verification stage. This service includes various types of property collateral, ranging from residential houses, shop houses (ruko), apartments, to warehouses, which can be used for productive and multi-purpose needs.

Chief ESME Business Bank Sampoerna, Rudy Mahasin, emphasized that the presence of PDaja.com is part of the company's long-term strategy to provide inclusive and sustainable financial services.

"We believe that easy and flexible access to capital is the key to driving the wheels of the economy. Through digital technology, we strive to bridge the gap between asset owners and liquidity needs, without neglecting the principle of banking prudence," said Rudy.

Bank Sampoerna noted that interest in property-based financing with flexible schemes continues to grow positively. In the future, PDaja.com is committed to not only being a financial services provider, but also a financial education partner that helps people make measured decisions for long-term financial sustainability.