AdaKami has launched a new initiative to improve loan cost transparency and educate borrowers amid increased regulatory scrutiny in Indonesia’s growing fintech sector.
AdaKami has stepped up its push for clearer loan-cost disclosure as Indonesia’s fintech lending sector faces tighter scrutiny over consumer protection. In a study by the University of Indonesia’s LPEM FEB published in 2026, more than 95% of AdaKami users were said to understand their total repayment obligation before accepting a loan, underscoring the company’s claim that clearer terms can improve borrower decision-making. Bloomberg Technoz also reported earlier this year that AdaKami was recognised for transparent and responsible peer-to-peer lending practices, reflecting a wider industry emphasis on disclosure and accountability.
Jonathan Kriss, the company’s strategic communication and brand lead, said AdaKami wants borrowers to see the full cost of credit before they commit. He said the platform will show fee details before a customer approves the loan agreement, as part of a campaign called “Buka-Bukaan” launched in Jakarta on Thursday, August 13. According to AdaKami, the approach rests on three pillars: no upfront deduction from the loan principal apart from stamp duty, fixed monthly instalments and full disclosure of interest, service charges, tenor and repayment schedule before consent is given.
AdaKami said it has followed these disclosure practices since it began operating in 2019, but the new campaign places greater weight on consumer education. The company claims the initiative is meant to encourage borrowers to assess risks, costs and repayment capacity more carefully before turning to digital finance. That message aligns with the direction of travel from Indonesia’s Financial Services Authority, known as the OJK, which has been pressing lenders to strengthen transparency and consumer safeguards.
The company has also tried to distinguish itself from illegal online lenders by pointing borrowers towards checks on regulatory status and fee clarity. AdaKami’s own educational material says customers should verify whether a platform is registered with the OJK, while other company guidance stresses the importance of understanding interest rates, charges and personal data protection before taking out a loan. Separately, Antara reported that AdaKami says it maintains customer data security under ISO 27001:2013, adding another layer to its pitch around responsible digital lending.
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