Samir circular-credit and VA data API

PT SAHABAT MIKRO FINTEK · Lending 4.5 ★

Samir - Pinjaman Daring is the Android cash-loan app from PT SAHABAT MIKRO FINTEK for Indonesian borrowers. Its application flow combines SMS or WhatsApp OTP, KTP identity checks, face liveness and Digisign electronic signing, with approved funds paid into a bank account. The published offer covers unsecured loans of Rp400.000–Rp100.000.000 over 91–365 days at a maximum 24% annual interest rate for Indonesian citizens aged 18 and over. Repayment options include ATM, mobile and internet banking, virtual accounts and Alfamart, with Mandiri, BRI, Permata, BSI, CIMB Niaga and BJB among the named partner banks. Circular-credit re-borrowing, coupons and live chat support returning customers. The provider lists OJK license KEP-105/D.05/2021 and AFPI membership; the supplied Google Play listing records a 4.5 rating from 227,411 reviews and more than 10 million installs.

Circular-credit headroom connects tempCreditAmount and tempCreditExpireIn with nested availableAmount, minAmount, nominalAmount and creditState. Together these fields distinguish a temporary allowance from credit available for re-borrowing. Credit evaluations add bizId, status and userConfirmStatus, while loan records connect creditNo, factAmount and shouldRepayAmount to loan_status and overdueDays.

Virtual-account reconciliation uses va, va_amount and repayment entries containing repaymentCode, bankCode and repaymentCodeExpireDate. Loan estimates separate loanAmount and payAmount from gstFee, stampDuty, adminTaxFee, eSignatureFee and totalInsterst, with installment details in repaymentList. These amount, fee and expiry fields support collections matching and comparisons between quoted charges and repayment schedules.

KTP intake supplies idNumber, name, pob, province and religion; borrower files add identity, motherName, monthlyIncome, emergentContacts and whatsAppId. Coupon records pair couponTitle and worth with couponTypeCode and benefitId. Lending operations, collections teams and authorized KYC desks can use these distinct records for credit-headroom monitoring, payment reconciliation, identity intake and fee comparisons; openData Studio turns the data into callable open data.

Screenshots

API surface

The endpoints and request/response examples below are reconstructed from the app's interface — illustrative, not a live capture.

Send SMS or WhatsApp OTP
POST /v1/verification/deliver osint
Sends an SMS or WhatsApp OTP for mobile and returns the remaining smsAvailableCount, whatsAppAvailableCount and voiceAvailableCount, together with exist, needWait and showVoice.
Auth: Unauthenticated; mobile is supplied in the JSON body. Responses use code, message and result, with success code "200".
- mobile
- smsCode
- exist
- needWait
- showVoice
- smsAvailableCount
- whatsAppAvailableCount
- voiceAvailableCount
- smsConfig
- code
- message
```
POST /v1/verification/deliver HTTP/1.1
Content-Type: application/json

{
  "mobile": "08<demo_account_number>"
}
```
```
{
  "code": "200",
  "message": "OK",
  "result": {
    "smsCode": "",
    "exist": true,
    "needWait": false,
    "showVoice": 1,
    "smsAvailableCount": 4,
    "whatsAppAvailableCount": 3,
    "voiceAvailableCount": 2,
    "smsConfig": {}
  }
}
```

Verify OTP and issue session

POST /v1/sessions/confirm osint

Exchanges mobile and smsCode for session id and token plus borrower userNo, mid, mobile, phone, userName, realName and staticKey. The session retains token, userNo and mid for subsequent calls.

Auth: Unauthenticated; mobile and smsCode are supplied in the JSON body. The result includes a session token and borrower identifiers for subsequent requests.

mobile
smsCode
id
token
userNo
mid
phone
userName
realName
staticKey

POST /v1/sessions/confirm HTTP/1.1
Content-Type: application/json

{
  "mobile": "08<demo_account_number>",
  "smsCode": "483920"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "id": "tok-10086001",
    "token": "<session_token>",
    "userNo": "UN-10086001",
    "mid": "88001234",
    "mobile": "08<demo_account_number>",
    "phone": "08<demo_account_number>",
    "userName": "budi.santoso",
    "realName": "Budi Santoso",
    "staticKey": "<mock_static_key>"
  }
}

Signed-in borrower profile

POST /v1/borrowers/profile opendata

Returns the signed-in borrower profile: userNo, mid, staticKey, mobile, phone, userName and realName.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

userNo
mid
staticKey
mobile
phone
userName
realName

POST /v1/borrowers/profile HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "mid": "88001234",
  "userNo": "UN-10086001"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "userNo": "UN-10086001",
    "mid": "88001234",
    "staticKey": "<mock_static_key>",
    "mobile": "08<demo_account_number>",
    "phone": "08<demo_account_number>",
    "userName": "budi.santoso",
    "realName": "Budi Santoso"
  }
}

KTP OCR recognition

POST /v1/identity/cards/read osint

Reads a KTP image into identity fields: idNumber, name, sex, birthday, pob, province, city, district, village and religion.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

idNumber
name
sex
birthday
pob
province
city
district
village
religion

POST /v1/identity/cards/read HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "mid": "88001234",
  "userNo": "UN-10086001"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "idNumber": "<demo_identity_number>",
    "name": "BUDI SANTOSO",
    "sex": "L",
    "birthday": "1990-01-01",
    "pob": "JAKARTA",
    "province": "DKI JAKARTA",
    "city": "JAKARTA SELATAN",
    "district": "KEBAYORAN BARU",
    "village": "SENAYAN",
    "religion": "ISLAM"
  }
}

Submit credit-person KYC

POST /v1/borrowers/identity osint

Saves the borrower KYC file with identity, firstName, motherName, monthlyIncome, companyName, bankId, cardNo, whatsAppId, home_region_1 through home_region_4 and emergentContacts for the current session.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

identity
firstName
motherName
monthlyIncome
companyName
bankId
cardNo
whatsAppId
home_region_1
home_region_2
home_region_3
home_region_4
emergentContacts

POST /v1/borrowers/identity HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "identity": "<demo_identity_number>",
  "firstName": "Budi Santoso",
  "motherName": "Siti Aminah",
  "monthlyIncome": "8000000",
  "companyName": "PT Contoh",
  "bankId": "008",
  "cardNo": "<demo_account_number>",
  "whatsAppId": "08<demo_account_number>",
  "home_region_1": "31",
  "home_region_2": "3174",
  "home_region_3": "317407",
  "home_region_4": "3174071003"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "identity": "<demo_identity_number>",
    "firstName": "Budi Santoso",
    "motherName": "Siti Aminah",
    "monthlyIncome": "8000000",
    "companyName": "PT Contoh",
    "bankId": "008",
    "cardNo": "<demo_account_number>",
    "whatsAppId": "08<demo_account_number>",
    "home_region_1": "31",
    "home_region_2": "3174",
    "home_region_3": "317407",
    "home_region_4": "3174071003",
    "emergentContacts": [
      {
        "name": "Andi",
        "phone": "<demo_contact_mobile>"
      }
    ]
  }
}

Face liveness score
POST /v1/identity/presence/check osint
Returns the face-liveness gate before loan submission: livenessScore, livingCtn, isNeedLiving and isHint.
Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".
- livenessScore
- livingCtn
- isNeedLiving
- isHint
```
POST /v1/identity/presence/check HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "mid": "88001234",
  "userNo": "UN-10086001"
}
```
```
{
  "code": "200",
  "message": "OK",
  "result": {
    "livenessScore": "92.4",
    "livingCtn": 1,
    "isNeedLiving": false,
    "isHint": false
  }
}
```
Credit evaluation poll
POST /v1/assessments/progress openfinance
Checks an in-progress credit evaluation using bizId and returns status, userConfirmStatus, hideCut and doubleLoan.
Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".
- bizId
- status
- userConfirmStatus
- hideCut
- doubleLoan
```
POST /v1/assessments/progress HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "bizId": "biz-77881234"
}
```
```
{
  "code": "200",
  "message": "OK",
  "result": {
    "bizId": "biz-77881234",
    "status": "PASS",
    "userConfirmStatus": 1,
    "hideCut": "0",
    "doubleLoan": "0"
  }
}
```

Home loan origin

POST /v1/borrowing/overview openfinance

Loads the borrowing overview with availableAmount, virtualCreditAmount, circularCreditResp, creditOrderList, repayOrderList, productList, needLiving, oneClickLoan, doubleLoan and needRefreshCircular.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

availableAmount
virtualCreditAmount
needLiving
oneClickLoan
doubleLoan
needRefreshCircular
circularCreditResp
creditOrderList
repayOrderList
productList

POST /v1/borrowing/overview HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "mid": "88001234",
  "userNo": "UN-10086001"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "availableAmount": "4500000",
    "virtualCreditAmount": "500000",
    "needLiving": "0",
    "oneClickLoan": "1",
    "doubleLoan": "0",
    "needRefreshCircular": "0",
    "circularCreditResp": {
      "availableAmount": "4000000",
      "minAmount": "400000",
      "nominalAmount": "5000000",
      "creditState": 1
    },
    "creditOrderList": {
      "creditNo": "CN-77881234",
      "loan_status": "INLOAN",
      "applyAmount": "5000000"
    },
    "repayOrderList": [],
    "productList": {}
  }
}

Product trial quote

POST /v1/borrowing/estimate openfinance

Estimates a chosen loanAmount with payAmount, totalAmount, rate, displayRate, serviceFee, gstFee, stampDuty, adminTaxFee, totalInsterst, couponAmount, eSignatureFee, fineScale and repaymentList.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

loanAmount
payAmount
totalAmount
rate
displayRate
serviceFee
gstFee
stampDuty
adminTaxFee
totalInsterst
couponAmount
eSignatureFee
fineScale
repaymentList

POST /v1/borrowing/estimate HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "loanAmount": "5000000"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "loanAmount": "5000000",
    "payAmount": "5000000",
    "totalAmount": "5305753",
    "rate": "0.24",
    "displayRate": "24%",
    "serviceFee": "0",
    "gstFee": "0",
    "stampDuty": "10000",
    "adminTaxFee": "0",
    "totalInsterst": "305753",
    "couponAmount": "0",
    "eSignatureFee": "0",
    "fineScale": "0.005",
    "repaymentList": [
      {
        "factTotalAmount": "1785571",
        "remainingCapital": "1666667",
        "factInterest": "101904"
      }
    ]
  }
}

Circular-credit quota

POST /v1/borrowing/headroom openfinance

Returns temporary credit amount and expiry through tempCreditAmount and tempCreditExpireIn, the hitXCircular and hitXConfirm flags, and nested circular-credit availableAmount, minAmount, nominalAmount and creditState.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

tempCreditAmount
tempCreditExpireIn
hitXCircular
hitXConfirm
availableAmount
minAmount
nominalAmount
creditState

POST /v1/borrowing/headroom HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "mid": "88001234",
  "userNo": "UN-10086001"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "tempCreditAmount": "500000",
    "tempCreditExpireIn": "259200",
    "hitXCircular": "1",
    "hitXConfirm": "0",
    "circularCreditResp": {
      "availableAmount": "4000000",
      "minAmount": "400000",
      "nominalAmount": "5000000",
      "creditState": 1,
      "title": "Limit tersedia",
      "tips": "Tarik ulang setelah lunas"
    }
  }
}

Bind disbursement bank card
POST /v1/payouts/accounts/link openbanking
Links the disbursement bank account using bankId, bankName, cardNo, fullName, identityCardNo and phone, and returns tiedCardId.
Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".
- bankId
- bankName
- cardNo
- fullName
- identityCardNo
- phone
- tiedCardId
```
POST /v1/payouts/accounts/link HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "bankId": "008",
  "bankName": "Bank Mandiri",
  "cardNo": "<demo_account_number>",
  "fullName": "Budi Santoso",
  "identityCardNo": "<demo_identity_number>",
  "phone": "08<demo_account_number>"
}
```
```
{
  "code": "200",
  "message": "OK",
  "result": {
    "tiedCardId": "card-33001"
  }
}
```

Create loan order

POST /v1/borrowing/requests openfinance

Creates a cash-loan order with creditNo, applyAmount, factAmount, shouldRepayAmount, va, va_amount, bankName, cardNo, loan_status and overdueDays, plus qrCodeList entries containing repaymentCode, repaymentCodeExpireDate, bankCode and amount.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

creditNo
applyAmount
factAmount
shouldRepayAmount
va
va_amount
bankName
cardNo
loan_status
overdueDays
qrCodeList
repaymentCode
repaymentCodeExpireDate
bankCode

POST /v1/borrowing/requests HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "applyAmount": "5000000",
  "tiedCardId": "card-33001"
}

{
  "code": "200",
  "message": "OK",
  "result": {
    "creditNo": "CN-77881234",
    "applyAmount": "5000000",
    "factAmount": "5000000",
    "shouldRepayAmount": "5305753",
    "va": "8800<demo_account_number>12",
    "va_amount": "5305753",
    "bankName": "Bank Mandiri",
    "cardNo": "<demo_account_number>",
    "loan_status": "INLOAN",
    "overdueDays": 0,
    "qrCodeList": [
      {
        "repaymentCode": "8800<demo_account_number>12",
        "repaymentCodeExpireDate": 1738368000000,
        "bankCode": "008",
        "amount": "5305753",
        "payTime": "",
        "status": 0
      }
    ]
  }
}

List my coupons

POST /v1/benefits/available opendata

Lists coupons for the signed-in borrower with id, couponTitle, worth, couponTypeCode, isAvailable, startTime, endTime, benefitId and couponDescription.

Auth: Session token in the token header, with mid and userNo identifying the borrower. Responses use code, message and result, with success code "200".

id
couponTitle
worth
couponTypeCode
isAvailable
startTime
endTime
benefitId
couponDescription

POST /v1/benefits/available HTTP/1.1
Content-Type: application/json
token: <session_token>

{
  "mid": "88001234",
  "userNo": "UN-10086001"
}

{
  "code": "200",
  "message": "OK",
  "result": [
    {
      "id": "cp-44001",
      "couponTitle": "Potongan bunga",
      "worth": "50000",
      "couponTypeCode": "INTEREST",
      "isAvailable": true,
      "startTime": 1729123200000,
      "endTime": 1738368000000,
      "benefitId": "bf-12",
      "couponDescription": "Potong bunga cicilan pertama"
    }
  ]
}

Data categories

identity
kyc
credit-quota
loan-orders
repayment
coupons

Where teams use this data

Circular-credit headroom monitor
Treasury bots poll tempCreditAmount, tempCreditExpireIn and nested availableAmount / minAmount / creditState so collections and growth teams see when circular-credit re-borrow opens.
VA repayment reconciliation
Payment ops match va, va_amount and QrCodeInfo.repaymentCode / bankCode / repaymentCodeExpireDate against Mandiri, BRI, Permata, BSI, CIMB Niaga, BJB and Alfamart inbound credits.
KTP KYC intake
Onboarding desks copy OCRRecognition idNumber, name, pob and religion into the PersonInfo file (identity, motherName, monthlyIncome, emergentContacts, whatsAppId) before underwrite.
Trial-quote fee audit
Compliance compares ProductTrialBean gstFee, stampDuty, adminTaxFee, eSignatureFee and totalInsterst against the published 24% APR simulation on a chosen loanAmount.

Frequently asked questions

Which circular-credit fields describe Samir headroom?

Temporary credit uses tempCreditAmount and tempCreditExpireIn, with hitXCircular and hitXConfirm flags. The nested circular-credit record adds availableAmount, minAmount, nominalAmount and creditState, linking the allowance to re-borrowing eligibility.

How are virtual-account repayment codes represented?

Loan records contain va and va_amount alongside qrCodeList. Repayment entries include repaymentCode, repaymentCodeExpireDate and bankCode for matching repayment instructions to incoming payments. The associated creditNo, shouldRepayAmount, loan_status and overdueDays provide the loan reference, amount due and repayment-status context.

What KTP and borrower details are included, and how is access scoped?

KTP recognition provides idNumber, name, sex, birthday, pob, province, city, district, village and religion. The borrower file adds identity, firstName, motherName, monthlyIncome, companyName, home_region_1 through home_region_4 and emergentContacts. These examples are session-scoped: OTP confirmation supplies token, userNo and mid, and subsequent requests carry the token header and borrower identifiers. Published routes and example values are illustrative, not production connection details.

Which fields separate a trial quote from a confirmed loan?

A trial quote contains loanAmount, payAmount, totalAmount, rate, gstFee, stampDuty, adminTaxFee, eSignatureFee, totalInsterst and repaymentList. A confirmed order adds creditNo, factAmount, shouldRepayAmount, loan_status and virtual-account repayment instructions.

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More Lending apps

Topics

samir pinjaman data api
samir circular credit headroom
indonesia virtual account repayment data
ktp identity fields
sahabat mikro fintek loan quotes
loan fee and installment data

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Samir circular-credit and VA data API

Screenshots

API surface

Send SMS or WhatsApp OTP

Verify OTP and issue session

Signed-in borrower profile

KTP OCR recognition

Submit credit-person KYC

Face liveness score

Credit evaluation poll

Home loan origin

Product trial quote

Circular-credit quota

Bind disbursement bank card

Create loan order

List my coupons

Data categories

Where teams use this data

Circular-credit headroom monitor

VA repayment reconciliation

KTP KYC intake

Trial-quote fee audit

Frequently asked questions

Apps similar to Samir - Pinjaman Daring

More Lending apps

BAF Mobile - Cicilan Pinjaman

Bright: Loans & Credit Builder

Brigit: Cash Advance & Credit

CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?

Samir circular-credit and VA data API

Screenshots

API surface

Send SMS or WhatsApp OTP

Verify OTP and issue session

Signed-in borrower profile

KTP OCR recognition

Submit credit-person KYC

Face liveness score

Credit evaluation poll

Home loan origin

Product trial quote

Circular-credit quota

Bind disbursement bank card

Create loan order

List my coupons

Data categories

Where teams use this data

Circular-credit headroom monitor

VA repayment reconciliation

KTP KYC intake

Trial-quote fee audit

Frequently asked questions

Related apps

Apps similar to Samir - Pinjaman Daring

More Lending apps

BAF Mobile - Cicilan Pinjaman

Bright: Loans & Credit Builder

Brigit: Cash Advance & Credit

CASHe: Quick Personal Loan App

Topics

Need this app's data API integrated?