Banking & Finance

Kopnus - P2P Lending Application for a Union Organization


Customer Experience


Private in Indonesia

Project Overview

There are many ways people seek financial support to fulfill their needs, from educational funding to personal installment. Sometimes they require investment to do that, beyond cash on hand. Protecting our financial health is important and we need good support to do that. On the other hand, it is not easy to seek financial support from a conventional bank, but today we can find a special type of organization who can help people get funding. It is a cooperative organization, in which the business is owned and controlled by people who use its services.

The client, Koperasi Nusantara, is one of the biggest cooperative organization who runs the peer to peer lending business with more than 200 branches in Indonesia. The company asked WGS to help them develop web and mobile application which can simplify financiers and borrowers performing the lending process. This is an application developed for an organization who runs the business primarily for the purpose of providing service to their user-owners, not only to generate profit for investors. The system backend will be used by admin, while the web and mobile application will be used by financiers and borrowers which covers the lending and borrowing submission through a bank transfer.


We would like to share some of the interesting features in this application, as follows:


  1. Landing page
    This page displays two different options for a user to choose whether the user wants to be a financier or borrower.


  1. Dashboard
    In this page, users will see all data related to their role as a financier, including the data of balance, total financing, profile, borrower list, lending instruction, and lending list.
  2. Loan list
    The user can view the loan list given to the borrowers in detail by tapping on one of the data and directly go to the loan detail page.
  3. Cash in
    Here, users can deposit some fund in minimum nominal and multiply it if they want to add more funding, they can also view the transaction history that has been done in this feature.
  4. Cash-out
    Here, users can withdraw some fund in minimum nominal and view the transaction history that has been done with this feature.


  1. Dashboard
    After successfully registered, the user can sign in and view all data related to their role as a borrower, including the total lending, lending data, profile, installment list, and lending submission.
  2. List of loan and installment
    The user can view the loan list and installment data that have submitted before by tapping one of the loan lists that has been confirmed by the financier.
  3. Loan submission
    Users can submit a loan by filling the form of personal data in this page, including data of loan nominal, type of loan, installment period, or warranty.


  1. Dashboard
    This feature displays borrower’s graphic data filtered based on name and period of loan which can be seen by admin.
  2. Funding
    The admin can manage the loan applied by the borrowers including filling the narrative of the loan (the reason of loan applied), giving approval for a loan, uploading documents and disbursement of funds.
  3. Installment payment
    In this page, admin can view the borrower’s data of loan installment and specify whether the loan is approved or rejected.
  4. Fund withdrawal
    The admin can view the cash out the submission from the financier and confirm the transferred fund which has been sent to the borrower.
  5. Deposit
    The admin can view the deposit data from the financier and confirm the fund that has been accepted by the company which refills the financier balance in the system.
  6. Report
    This page displays the summary of fund for the borrowers and fund recapitulation of the financier.
  7. Data user
    The admin can see all users’ data registered in the system including deactivated the registered user.
  8. Data master
    In this page, the admin manages the user data and create the role for every user.



  1. Dashboard
    The user can view all activities in the system including checking the balance, giving the fund, the installment repayment, and its graphic.
  2. Loan list
    Here is the page where user can approve the loan submission and see the complete borrower’s data with date, nominal of the fund, installment payment, and fund status.
  3. Cash-out
    This feature allows a user to withdraw some money form his balance and transferred to the bank account.


  1. Dashboard
    The user can view his total loan, the remaining balance and table of installment.
  2. Loan list
    This page displays the data of loan in a form of installment table which submitted by the user the financier and confirmed by the financier.
  3. Loan submission
    A user can fill the form of loan submission in this page by filling the required data such as the purpose of the loan, type of business or the nominal of the fund, and the system will calculate the installment tenor for the loan that applied.


Business Issue

Every financial circumstance is unique and people look for a place which offers good options to apply for a loan.

Business Solution

This application helps people to apply for a loan with affordable rates and terms to give them a good financing option for their needs

Lesson Learned

There are many consumer funding needs and this application offers the type of solution that can give you support to set you up for your financial purpose.


The peer to peer lending system provides affordable financing that can be used to cover the cost of personal emergencies.


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