About Us
Information
GCG
Good Corporate Governance (GCG) Code of Conduct
PT. ETHIS Fintek Indonesia
Good corporate governance (GCG) is a corporate governance aimed at maintaining and improving the company's long-term health and competitive business continuity to benefit and add value to stakeholders. The implementation of GCG supports the achievement of business goals and good risk mitigation so that in the long term it is expected to increase the value and reputation of the company.
Implementation of Corporate Governance Principles
Implementation of GCG principles PT. ETHIS Fintek Indonesia is based on application standards in the financial industry in general by referring to various laws and regulations as well as best practices that apply in the industry. The provisions and regulations in question include:
Indonesian Law No. 40 of 2007 on Limited Liability Companies
Indonesian Law No. 27 of 2022 on Personal Data Protection
Indonesian Law No. 1 of 2024 on the Second Amendment to Law No. 11 of 2008 on Electronic Information and Transactions
Financial Services Authority Regulation (POJK) No. 10 of 2022 on Information Technology-Based Peer-to-Peer Lending Services
Financial Services Authority Circular (SEOJK) No. 19 of 2023 on the Implementation of Fintech Lending
Financial Services Authority Regulation (POJK) No. 18 of 2018 on Customer Complaint Handling in the Financial Services Sector
Financial Services Authority Regulation (POJK) No. 4 of 2021 on Risk Management Implementation in the Use of Information Technology by Non-Bank Financial Institutions
Financial Services Authority Regulation (POJK) No. 8 of 2023 on the Implementation of Anti-Money Laundering and Counter-Terrorism Financing (APU-PPT) in the Financial Services Sector
ISO 27001:2022
National Sharia Board - Indonesian Ulema Council (DSN-MUI) Fatwa No. 117 of 2018 on Information Technology-Based Financing Services According to Sharia Principles
Transparency
ETHIS transparency meets the criteria for disclosure of information in the financier dashboard on the ETHIS website, we have provided information about the financing provided by the financiers such as the date of financing, total financing, name of the project being financed and the status of the financing. ETHIS also provides project monitoring dashboards for financiers as a means of monitoring the progress of projects being financed.
Accountability
ETHIS is committed to being a representative of funders and users of funds proportionally so that they are able to contribute to each party efficiently and transparently in order to maintain accountability and can be trusted for the performance of ETHIS management.
Responsibility
ETHIS ensures that its management is in accordance with applicable laws, including sharia principles, as well as standard principles and practices of healthy financing business operators.
Independency
Management and all individuals in the company have competence. Able to act objectively and free from influence/pressure from any party (independent) and has a high commitment to developing Sharia Fintech.
Fairness and Equity
ETHIS ensures the fulfillment of the rights of stakeholders in this case are the financiers and recipients of financing through the Reporting SOP regarding reporting procedures including how to do manual and automatic reporting as well as explaining when reporting must be carried out.
PT. ETHIS FINTEK INDONESIA
Rukan Puri Mansion block B no. 7 Outer Ring West Kembangan Street, RT.2/RW.1, South Kembangan, Kembangan District, Special Capital Region of Jakarta 11610
Customer Service: support@ethis.co.id
Operational Hours: 09.00 - 18.00 WIB
Licensed & Supervised By
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Notes:
1. Tech-based Islamic Financing service (P2P Financing) is a civil agreement between Funder and Beneficiary, in which all risks are charged to all parties.
2. Payment failure is charged to the Funder, except for fraud case and mismanagement. Beneficiaries are imposed if fraud and mismanagement happens as in Risk Sharing terms based on Islamic Principles. There is no national institution or authority that is responsible to financing risk or payment failure or compensating on any parties including loss, failures, fees or consequences after.
3. The platform with agreement from all respective users (funders and/or beneficiaries) accesses, gains, stores, manages and/or uses users’ personal data (Data Utilization) on or in the objects, electronic devices (including smartphones or cellular phones), hardwares or softwares, electronic documents, applications or electronic systems belong to Users or managed by Users, upon the information of aims, limitations and mechanism of Data Utilization to the Users before the approvals.
4. Funders with limited knowledge on this financing are suggested not to use this service.
5. Beneficiaries are obliged to consider return rates/margin/service fee and other fees according to the ability to repay the financing.
6. Each fraud is recorded electronically in cyberspace and easily recognized by public through social media.
7. Users should read and understand this information before deciding to be a Funder or Beneficiary.
8. Government as in this case is Otoritas Jasa Keuangan (OJK) / Financial Services Authority is not responsible for violation or disobedience of users, Funder and Beneficiary (intentionally or unintentionally) against terms and conditions or agreement or attachment between the platform and Funder and/or Beneficiary.
9. Each transaction and financing activities, funding, financing or enforcement agreement regarding financing between or involves the Platform, Funder, Field Partner and/or Beneficiary should happen through escrow account and virtual account as stated in OJK regulation No. 77/POJK.01/2016 about Tech-Based Financing Services.
