PinJ

Pin'J is a Jakarta-based Indonesian fintech company offering a closed-loop working-capital platform for gig-economy and blue-collar workers. Rather than providing unrestricted cash, Pin'J limits users' available credit to purchases of essential work inputs such as fuel and mobile-phone credit. The company says this closed-loop mechanism distinguishes its product from peer-to-peer lending and multifinance working-capital facilities. By directing finance toward the goods and services workers need to perform their jobs, the platform aims to improve financial inclusion and financial literacy among workers while helping them meet daily operating needs. Pin'J launched the platform in Indonesia in 2023 through PT Pinj Teknologi Indonesia.