Pinjam Modal, operating as PT Finansial Integrasi Teknologi (FIT), is a fintech company specializing in peer-to-peer lending. Established in 2017 as a subsidiary of PT BFI Finance Indonesia, Tbk, it offers online business capital and employee loans through its app[2][3][4]. The target audience includes individuals and businesses seeking unsecured loans. The unique selling proposition is its digital platform that facilitates easy access to financial services, connecting borrowers with lenders efficiently. This approach simplifies the loan application process, making financial inclusion more accessible[3][4].