CICIL Cicilan Khusus Mahasiswa 3.18.5 L

CICIL is a Financial Technology platform registered and supervised by the Financial Services Authority (OJK) with a mission to provide responsible financing solutions for higher education and the purchase of essential goods for Indonesian students.

EASY REQUIREMENTS

• Indonesian Citizen
• Currently enrolled student (D3, S1, S2, S3)
• Have a National ID Card (KTP)
• Have a Student ID Card (KTM)

4 EASY STEPS TO APPLY FOR A LOAN

1. Register as a user
2. Complete your profile according to the product you need
3. Apply for a loan
4. Pay your installments on time

SERVICE BENEFITS

• Licensed and supervised by OJK and a member of AFPI (Association of Joint Fintech Financing Indonesia)
• Flexible loan terms up to 24 months for goods installment and 36 months for tuition installment
• Average financing margin of 1.5% - 3% flat per month (~ minimum APR of 30% - maximum APR of 81% for 12-month financing, including all costs such as financing margin, platform fees, and transaction fees)
• Safe and trustworthy, committed to consumer protection

SERVICE PRODUCTS

CICIL Tuition

Loan for tuition fees and single tuition fees (UKT)

• Loan amounts from Rp1,000,000 to Rp30,000,000
• Loan terms from 2 months to 36 months
• Average financing cost of 1.5% - 2.7% flat per month, including all fees
• Protected by AXA insurance in case of guarantor or parent's death, accident, and hospitalization

CICIL Goods

Loan for the purchase of student's essential goods

• Loan amounts from Rp250,000 to Rp4,000,000
• Loan terms from 2 months to 24 months
• Average financing cost of 2% - 3% flat per month, including all fees

CICIL Tuition Financing Simulation:

If the requested tuition fee is Rp5,000,000 with a down payment of Rp1,000,000 and a chosen installment period of 12 months, the applied financing margin rate is 1.65% flat per month. The monthly installment payment is Rp399,346 and the total payment is Rp5,792,152.

CICIL Goods Financing Simulation:

If the requested item price is Rp2,500,000 with a down payment of Rp500,000 and a chosen installment period of 12 months, the applied financing margin rate is 2.14% flat per month. The monthly installment payment is Rp222,301 and the total payment is Rp2,667,606.

SECURITY GUARANTEE

PT. CICIL SOLUSI MITRA TEKNOLOGI is a technology-based loan service provider registered and supervised by the Financial Services Authority (OJK) with registration number S-5101/NB.111/2017, in accordance with Indonesian law and Financial Services Authority Regulation number 77/POJK.01/2016. CICIL is also an active member and adheres to the code of conduct established by the Association of Joint Fintech Financing Indonesia.

All user data of PT. CICIL SOLUSI MITRA TEKNOLOGI is encrypted and stored in data centers located in Indonesia, accessible only by authorized parties. For more information, please visit our Terms of Use and Privacy Policy page.

For further information, contact our Customer Service:

• Email: [email protected]
• Facebook: Cicil.co.id
• Instagram: @cicil.co.id
• Twitter: @cicilcoid

Operational Address: Level 23 - Penthouse Plaza Merein, Jalan Jendral Sudirman Kav. 76 - 78, South Jakarta City, Jakarta Special Capital Region 12910