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In Indonesia, 60% of the population do not have a credit score, resulting in high interest rates and low acceptance rates. To combat this, Finku is on a mission to boost financial literacy in Indonesia. Their personal finance app allows users to manage their transactions over several different banks and cards. This will, in their own words, help “build a more financially resilient and inclusive society”. 

The 550,000 registered app users have access to a range of finance management tools to act as their companion in improving their finances, including budgeting, bill management, a cash flow score and more. Further to this they can also get access to Finku's responsible low interest loans. 

Users have access to personal grant loans of up to 400 dollars and credit cards on a digitized and innovative financial management system. This digitized and streamlined system is the key to “Democratizing finance for Indonesians”, says Co-Founder Shylla Estee Pramadhani. 

About the founders/CEO:

Shyam Kalairajah is Co-Founder and Co-CEO of Finku. A University of Cambridge graduate, he’s worked across the globe, from Stanford to London to Dubai, before settling in Indonesia, where Finku was founded. At Finku, he is in charge of investors and finance. 

Reinaldo Tendean is Co-Founder and Co-CEO at Finku. He and Shyam were both Senior Associates at BCG before creating Finku. He is a graduate from the University of California, Berkeley. 

Shylla Estee Pramadhani is Co-Founder of Finku. After studying Computer Science at the University of Indonesia, she worked as Senior Product Designer for Indonesian e-commerce unicorn Bukalapak.  
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