Project Description




Komunal is an online peer-to-peer (P2P) lending companies based in Surabaya, Indonesia. It was registered in OJK in Feb 2019 and began operation on March 2019. Komunal aim to bridge the funding gap much-needed by growing population of underbanked Micro Small Medium Enterprise (MSMEs) in Indonesia

Komunal was co-founded by Hendry Lieviant, Rico Tedyono, and Kendrick Winoto. The team has diverse background in Credit Risk, Investment Banking, Operations, and Technology from world’s renowned firms like Goldman Sachs, Barclays, HSBC, Microsoft, General Electric, among others. Together, they look to combine best-in-class credit methodology, alternative data & technology, and community partnership with existing regional banks (BPR) and Koperasi to improve the funding access to Indonesia’s MSMEs.



  • Hendry Lieviant
  • Rico Tedyono
  • Kendrick Winoto

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