Sharia-compliant Information Technology-Based Lending Services (LPMUBTI) Provider with peer-to-peer financing scheme.
Policy on data files written into Users’ computer hard disk that is stored by a web server so it could identify Users and efficiently recognize Users on web pages.
Policy on use of data and/or access to private information. Platform: Technology, electronic system, and/or website provided by ALAMI to Users to visit and access services.
Technology, electronic system, and/or website provided by ALAMI to Users to visit and access services.
A bank account that is set up for a specific purpose: to place the funds trusted through ALAMI as a sharia-compliant, Information Technology-Based Lending Service Provider.
Users’ identification number set up by a Partner Bank based on ALAMI request as a Sharia-compliant, Information Technology-Based Lending Service Provider, which will be forwarded to Users as Financing Bank Account Number to support any transactional activities related to financing services.
Account in the name of the Funder, provided by ALAMI in collaboration with Partner Banks to make it easier for Users to make funding at ALAMI.
An independent and free from interference by other parties-institution, having its functions, duties, and authority to regulate, supervise, examine, and investigate. Based on the Law No. 21 of 2011, Financial Services Authority or OJK functions to establish an integrated regulatory and supervisory system for all activities in the financial services sector.
An institution established by the Indonesian Council of Ulama for the purpose to realize the Islamic ummah aspiration to address economic problems and to propel Islamic sharia implementation for the economic/finance field.
Individuals who visit, access, and/or use ALAMI Platform.
An individual, legal entity, and/or business entity that has a Sharia-compliant purpose and objective to obtain Financing from the lender through ALAMI.
Person, legal entity and/or business entity that has a Sharia-compliant purpose and objective to provide Financing to Financing Recipients through ALAMI.
Referring to the provisions of POJK Number 10/POJK.05/2022, the maximum total amount of lending for each fund is Rp2.000.000.00,-
ALAMI platform has been certified by the Ministry of Communication and Information of the Republic of Indonesia with registration number 01185/DJAI.PSE/10/2018 and has obtained a license from the Financial Services Authority (OJK) with license number KEP-21/D.05/2020
  1. Users are at least 18 years old , not under conservatorship, and have the legal capacity, rights, power and authority to agree to the terms of use of ALAMI Platform and the applicable laws;
  2. The User is declared legally capable and/or mumayyiz in acting fully so that every action can be accounted for;
  3. The User uses the ALAMI Platform in good faith to achieve the pleasure of Allah without any bad intentions which is the background of the User's actions.;
  4. The User does not use this Platform for activities that violate the Sharia and/or applicable laws and regulations;
  5. The User agrees to the Terms and Conditions and other rules published on the ALAMI Platform (including the Privacy Policy).
Please visit ALAMI FAQ page to read more on Requirements and Sharia Financing Types provided by ALAMI.
  1. Users are prohibited from accessing, collecting, and/or downloading any data/materials from the Platform with/without using automated program means for any activities or purposes that violate Sharia and/or applicable laws and regulations;
  2. Users are prohibited from uploading, publishing, sending emails and providing advertisements, promotions, junk mail, spam, and/or other forms for commercial or non-commercial interests to the ALAMI Platform, ALAMI Platform Users, and/or other parties who have special interests with ALAMI;
  3. Users are prohibited from unauthorized accessing, hacking, blocking, disrupting, disabling, overburdening or interfering with the proper working or appearance of the site or the Services, which includes but is not limited to denial of service, spoof attacks, session hacking, reverse engineering interference, programming rework, or exploit any drama technique to attach any content or other proprietary information;
  4. Users are prohibited from posting any material and data that contains viruses or other malicious or similar computer code, files or programs designed to interrupt, affect, damage or limit the functionality of any software or computer hardware or telecommunications equipment;
  5. Users are prohibited from asking for passwords, collecting e-mail addresses or other personal data from Users of the site, site content and services via electronic or other means for the purpose of sending e-mails or other unsolicited communications or attempts to enter into any loan transactions with members. outside the service, or any commercial or unlawful purposes;
  6. Users are prohibited from impersonating any person or entity, or misrepresenting or misrepresenting yourself, or your age or your affiliation with or authority to act on behalf of any person or entity, or creating a false identity on the ALAMI Platform or website.
  7. Users are prohibited from taking any other actions that adversely affect the Platform and other ALAMI facilities.
All provisions regarding use personal data and privacy can be viewed in detail on the Privacy Policy and Cookie Policy page.
  1. Funder knows and is aware of all risks to technology-based lending and lending transactions, that any late payment, absence of payment, and/or loss that may arise from transactions made on the ALAMI Platform is a full risk from the Funder.
  2. User knows and declares that ALAMI is only responsible as the Operator / Provider of Sharia Financing Service Platform based on Information Technology in accordance with sharia provisions and related laws and regulations;
  3. User funds in an Escrow Account opened by ALAMI through the cooperation of a Third Party will not be considered as deposits held by ALAMI in accordance with the laws regarding Banking in Indonesia;
  4. All content and/or materials available on ALAMI Platform are only limited to providing information and not an offer, request, invitation, suggestion, or recommendation to provide financing;
  5. If on ALAMI Platform there are links and/or references to other party's websites, ALAMI is not responsible for any content and/or impacts caused by those websites;
  6. ALAMI is not responsible for acts that violate state and/or Sharia laws committed by Users with/without using the ALAMI Platform and/or the facilities contained therein.
  1. ALAMI logos, icons, designs, graphic images, domain site names, texts and service names belonging to ALAMI are ALAMI's trademarks that have been licensed and protected by ALAMI and other related parties;
  2. Users are only granted limited permission in connection with ALAMI's Trademarks to download and/or print a copy of any part of the site content provided that the User always maintains all copyrights, uses it for good according to Sharia, and notifies the ownership of the Trademark.
  3. Users are prohibited from using the limited license for other purposes that violate the Sharia and/or the applicable laws and regulations
  1. ALAMI is not responsible for system crashes resulting from things beyond ALAMI's control, such as unavoidable accidents, earthquakes, floods, landslides, volcanic eruptions, epidemics, pandemics, fires, wars, riots , revolution, chaos caused by economic, political, social conditions, rebellion, unconstitutional government changes, changes in laws and regulations and changes in government policies in the economic and monetary fields that directly affect ALAMI, public utility problems (including electricity, telecommunications or internet network failure) regardless of the possibility that situations can be foreseen;
  2. Neither party is liable for the loss of performance a system as a result of the things caused by the Force Majeur;
  3. ALAMI will do everything possible to overcome the breakdown in system performance and minimize the consequences of the Force Majeur without ignoring the rights of each party contained therein. in these terms and conditions in any form.
If one or part of these Terms and Conditions is declared invalid or unenforceable under the law or other relevant legal regulations, then that part is deemed not to be part of these Terms and Conditions and will not affect other parts of these Terms and Conditions. Changes will only be made in relation to the Terms and Conditions that occur in such a case.
ALAMI is subject to and complies with the applicable tax provisions in Indonesia, including provisions regarding Income Tax (PPh) on Ujrah and Value Added Tax (PPn) on Marketplace Fee, including to comply if ALAMI appointed as tax withholder.
Users declare and agree to release, free and indemnify ALAMI, its affiliates, its shareholders, directors, commissioners, employees, subcontractors, suppliers, agents of and to any and all liabilities, claims, losses, damages, whether direct or indirect, arising from:
  1. The User agrees that ALAMI may modify, update, suspend, terminate and/or discontinue all content on ALAMI Platform.
  2. The User agrees and acknowledges to release ALAMI, its affiliates, shareholders, directors, commissioners, employees, agents , the vendor for all claims and responsibilities as well as requests / statements for direct or indirect losses arising from: Use of the site, site content, Services, both from ALAMI parties and other parties related to ALAMI, including but not limited to:
    • User’s connection network to the site;
    • User’s violation of the rights of another person or entity;
    • Actions of any party who can access and/or use the site, site content, Services ALAMI or other parties related to using the User Name and/or password to enter the ALAMI Platform and/or other related parties;
    • User’s violation of the Terms and Conditions set by ALAMI;
    • User violation of Sharia provisions and related statutory provisions.
Privacy Policy, Cookie Policy, and Principal Agreements and/or Contracts are other detailed Documents/Terms that also apply to the use of the ALAMI Platform and/or Services. If there is a conflict with these Terms and Conditions, then the other Documents/Conditions that apply in relation to the special aspects inherent in them.
  1. If there are errors Typing words, wording, grammar and/or other documents carried out by ALAMI then it is agreed that ALAMI will correct it without incurring legal and/or financial liability and/or liability;
  2. ALAMI reserves the right to change all provisions relating to the Platform, including but not limited to these Terms and Conditions including related to the Partner Bank providing the Funder's Fund Account without the User's prior consent and promptly update them on this Platform. Users are deemed to have understood and agreed to these changes and are encouraged to check this page if changes occur at any time.
These Terms and Conditions and other provisions set forth by ALAMI are regulated by and construed in accordance with the laws of the Republic of Indonesia. Users agree that any legal actions or disputes that may arise from, relating to, the use of the Platform shall be resolved exclusively within the jurisdiction of the South Jakarta Religious Court of the Republic of Indonesia
Plaza 89, Kav. X7 Jln. H.R. Rasuna Said No. 6 Kel. Karet Kuningan
Kec. Setiabudi Kota Adm. Jakarta Selatan Prov. DKI Jakarta 021 - 31116191 Instagram: @ALAMIsharia
Or visit our FAQ page for more information.