Nusa Cermat - Simpan & Pinjam

Jaya Sentosa People's Savings and Loans Cooperative
Legal Entity Number: AHU-0001831.AH.01.26.2020
KSP Rakyat Jaya Sentosa is registered and supervised by the Ministry of Cooperatives and SMEs. Funds come from member savings, cooperative income, and other sources in accordance with regulations. It operates legally and complies with the Articles of Association (AD/ART).

About Nusa Cermat
This cooperative's official application is only for registered members of the online savings and loan service.
This application is not a public online loan, but rather a digital platform for cooperative membership services.
• Already a member? Log in to access services.

Main Application Features
• Member Savings – Principal Savings, Mandatory Savings, and Voluntary Savings
• Member Loans – Based on the cooperative's founding agreement, it provides loan services to members.

Savings Product Information
The minimum member deposit is IDR 10,000,000, with the following interest rate details:
• 3 months → 5% per year
• 6 months → 5.5% per year
• 12 months → 6% per year
Enter the deposit amount, select the deposit term, and then submit the application. After that, you can deposit online.

Loan Product Information
Loan Amount: IDR 2,000,000 - IDR 30,000,000
Loan Term: Minimum 61 days, maximum 180 days
Maximum Annual Interest Rate (APR): 36%
No Hidden Fees: All fees will be transparently displayed by the partner prior to application.
Loan Calculation Example
For a loan of IDR 3,000,000 with a term of 120 days (4 installments), an annual interest rate (APR) of 21.9% applies, equivalent to a daily interest rate of 0.06%.
Daily Interest Payable: Approximately IDR 1,800
Monthly Interest Payable: Approximately IDR 54,000 (estimated based on 30 days)
Total Interest During the Loan Term: Approximately IDR 216,000
Total Repayment Amount on the Due Date: IDR 3,216,000 (principal + total interest)

How to Become a Cooperative Member?
• Indonesian citizens, domiciled in Indonesia
• At least 18 years old and legally competent.
• Have agreed to and signed the membership agreement

Member Obligations
Users who successfully submit membership information, pass verification, and pay the principal deposit will become official members. Members must pay a mandatory deposit every month.
Principal Deposit: IDR 10,000
Mandatory Deposit: IDR 10,000

Our Advantages
• Transparent fees, no hidden costs
• Flexible and reliable deposit scheme
• Prudent and regulatory-compliant loan process
• Secure data protection mechanisms
• Support from a professional customer service team

Our Mission

To build a safe, transparent, and trusted digital cooperative ecosystem, so that every member can access fair and sustainable financial services.

Legality & Compliance
This application is managed by a Savings and Loan Cooperative registered with and supervised by the Ministry of Cooperatives and SMEs. All services comply with the provisions of the PDP Law, Government Regulation 71/2019, and other relevant regulations.

Official Contact Information
Email: support@nusacermat.id
Official Website: https://nusacermat.id/
Cooperative Address: Commercial International School II Plot No. 8, BSD City, Jalan Sekolah Foresta, Lengkong Kulon Village, Pagedangan District, Tangerang Regency
Privacy Policy: https://nusacermat.id/privacyAndroid