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How Kreditplus became Indonesia's leading multifinance company with 1,900 employees and IDR 8.4 trillion in new financing

PT. KB Finansia Multi Finance, operating as Kreditplus, is a prominent multifinance company in Indonesia founded in 1994. It is part of the KB Financial Group with an 80% parent ownership stake, offering multipurpose financing, vehicle loans, and leasing solutions across the country.

Updated July 4, 2026
IDR 8.4T
New Financing (2022)
1,900
Employees
80%
KB Financial Group Stake
30+
Years in Indonesia
1994
Founded
Company Overview

Kreditplus: 30 years of multipurpose financing in Indonesia

PT. KB Finansia Multi Finance, operating under the Kreditplus brand, was established on June 9, 1994, and has grown into one of Indonesia's most prominent multifinance companies. With over 28 years of experience navigating Indonesia's competitive financial services market, the company has demonstrated consistent resilience and adaptability.

As part of the KB Financial Group — one of South Korea's largest financial conglomerates — Kreditplus benefits from an 80% ownership stake by its parent, providing strong capital backing and access to international best practices in risk management and financial technology. In 2022, Kreditplus achieved a new financing value of IDR 8.4 trillion, reflecting significant growth and demand for its products across the archipelago.

The company collaborates with other subsidiaries within the KB Financial Group to enhance market presence, and implements risk-mitigation policies to navigate economic changes effectively. Kreditplus holds an AAA credit rating and is certified under ISO standards, reflecting its commitment to good corporate governance and sustainable finance.

devices
Multipurpose Financing
Consumer financing for electronics, furniture, and other household goods with flexible repayment terms.
directions_car
Vehicle Financing
Financing for motorcycles and cars — both new and used — for individuals and businesses across Indonesia.
apartment
Leasing & Capital Solutions
Tailored leasing solutions for business customers, plus working capital loans, invoice financing, and land & building financing.
smartphone
Digital Financing
Online financing applications and digital solutions via the Kreditplus mobile app for tech-savvy and underbanked customers.

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Tech Stack

Tools and technologies Kreditplus uses

Based on observed integrations and public signals, Kreditplus's digital stack spans advertising, analytics, and customer engagement technologies:

flash_on Cloudflare DNS analytics Google Analytics tag Google Tag Manager ads_click Google AdWords Conversion ads_click DoubleClick ads_click DoubleClick Conversion ads_click DoubleClick Floodlight trending_up Google Dynamic Remarketing thumb_up Facebook Custom Audiences login Facebook Login (Connect) widgets Facebook Widget mail Gmail cloud Google Apps cloud Google Cloud Hosting map Google Maps mail SendInBlue share ShareThis play_circle YouTube smart_toy reCAPTCHA phone_iphone Mobile Friendly
3rd-Party Intent Data

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Decision-Makers

Key decision-makers at Kreditplus

Verified contact data for senior decision-makers across Finance, Marketing, Operations, and Technology at PT. KB Finansia Multi Finance.

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Ramadhan Santoso
President Director
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Dewi Kusuma
Chief Financial Officer
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Budi Hartanto
Head of Digital Financing
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Sari Widyaningsih
VP of Marketing
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Agung Prasetyo
Director of Risk Management
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Rina Octavia
Head of Customer Service
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Every contact for Kreditplus — and every other company on Earth — in one CSV. Free updates for life.

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contacts.csv 175.4M rows · 8.4 GB
NameTitleEmailCountry
Andi WijayaVP Salesa.wijaya@bca.co.id🇮🇩 ID
Sarah ChenHead of Growths.chen@grab.com🇸🇬 SG
Priya PatelCMOpriya@gojek.com🇮🇩 ID
Lars EriksenVP Marketinglars@spotify.com🇸🇪 SE
Akira TanakaCROakira@mercari.com🇯🇵 JP
Emma WilsonHead of Salesemma@monzo.com🇬🇧 GB
Budi SetiawanVP Revenueb.setiawan@tokopedia.com🇮🇩 ID
Sophie MüllerDirector Salessophie@n26.com🇩🇪 DE
James O'BrienChief of Staffjames@intercom.com🇮🇪 IE
Aisha KhanVP Salesaisha@razorpay.com🇮🇳 IN
Andi WijayaVP Salesa.wijaya@bca.co.id🇮🇩 ID
Sarah ChenHead of Growths.chen@grab.com🇸🇬 SG
Priya PatelCMOpriya@gojek.com🇮🇩 ID
Lars EriksenVP Marketinglars@spotify.com🇸🇪 SE
Akira TanakaCROakira@mercari.com🇯🇵 JP
Emma WilsonHead of Salesemma@monzo.com🇬🇧 GB
Budi SetiawanVP Revenueb.setiawan@tokopedia.com🇮🇩 ID
Sophie MüllerDirector Salessophie@n26.com🇩🇪 DE
James O'BrienChief of Staffjames@intercom.com🇮🇪 IE
Aisha KhanVP Salesaisha@razorpay.com🇮🇳 IN
175,432,891 rows
Verified · 200+ countries
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FAQ

Frequently asked questions about Kreditplus

What does Kreditplus do?add
Kreditplus (PT. KB Finansia Multi Finance) is a multifinance company in Indonesia offering multipurpose financing for electronics, furniture, and consumer goods, vehicle financing for motorcycles and cars, and tailored leasing solutions for individuals and businesses. It also provides digital financing via the Kreditplus mobile app.
When was Kreditplus founded?add
Kreditplus was founded on June 9, 1994, as PT. KB Finansia Multi Finance. The company has over 28 years of experience in the Indonesian multifinance sector, making it one of the longest-established players in the market.
How many employees does Kreditplus have?add
Kreditplus has approximately 1,900 employees as of 2026, operating across a nationwide branch network throughout Indonesia to serve individual and business customers.
Who owns Kreditplus?add
Kreditplus is 80% owned by KB Financial Group, one of South Korea's largest financial conglomerates. This strong shareholder backing provides Kreditplus with capital support, risk management expertise, and access to the broader KB Financial Group network and subsidiaries.
Where is Kreditplus headquartered?add
Kreditplus is headquartered at 53 Jalan Jendral Sudirman, Jakarta 10210, Daerah Khusus Ibukota Jakarta, Indonesia. The company operates a nationwide branch network across the Indonesian archipelago.
What financing products does Kreditplus offer?add
Kreditplus offers multipurpose financing (electronics, furniture, consumer goods), motorcycle and car financing (new and used), fleet financing, invoice financing, working capital loans, land and building financing, and collateral loans. Digital applications are available through the Kreditplus mobile app for online financing.

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Data and sources

All figures on this page are compiled from public filings, press releases, LinkedIn data, the Kreditplus official website, and the Happierleads proprietary database (over 175M verified B2B contacts and 1.6M companies). Last updated July 4, 2026. Are you a Kreditplus executive and want to update this data? Contact us.