AdaKami - Digital Loans

Cash Online Loan Application With OJK Licensed

PT Pembiayaan Digital Indonesia · com.adakami.dana.kredit.pinjaman

5.0 out of 5 (4 ratings) 10M+ downloads v7.20.0 41.9 MB Android 5.0+ PEGI 3 · Everyone

Download APK 41.9 MB All versions

Same certificate as v7.12.0, which matches Google Play Details

Watch the AdaKami - Digital Loans trailer on YouTube

At a glance

Latest version: v7.20.0 (72000)
Updated: Sep 9, 2026 (29 days ago)
APK size: 41.9 MB
Requires: Android 5.0+ (API 21)
CPU support: x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit, ARM 64-bit
Category: Finance (app)
Listed since: May 27, 2021 (at least)
Permissions: 18 (3 sensitive)
Website: adakami.id
Developer contact: [email protected]
Privacy: Developer's privacy policy

About this APK

AdaKami - Digital Loans is an app by PT Pembiayaan Digital Indonesia in the Finance category, listed since at least May 2021. It includes native code for x86 32-bit, x86 64-bit, ARM (legacy), ARM 32-bit and ARM 64-bit, so it runs on practically every phone.

Since version 3.3.0, the APK grew from 15 MB to 41.9 MB and the minimum Android version rose from 4.1 to 5.0. It asks for 18 permissions, 3 of them sensitive: camera, record audio and approximate location. It asks for the same permissions as version 7.12.0. The app can read the advertising ID that ad and analytics services use.

What's new in v7.20.0

[Perbaikan] Memperbaiki masalah yang diketahui

Description

From the listing uploaded by “mrml”.

Digital Loan Application With OJK Licensed 🎉🎉🎉 AdaKami - Digital cash loan platform with HIGH LIMIT, LOW INTEREST, WITHOUT GUARANTEE that is licensed, registered and supervised by OJK. You can borrow rupiah cash up to 80,000,000 rupiah without collateral. We also protect personal privacy. Download AdaKami, you can apply for an easy & secure loan. 💰️ AdaKami Digital Fund Loan Product ◉ Loan period: 3, 6, 12 months installments 91-365 days） ◉ Loan limit: IDR 3,000,000 - IDR 80,000,000 ◉ Interest rate (maximum APR): 36% per annum ◉ Service fee：1.42% of the loan principal 📱For a loan of IDR 3,000,000 with a period of 6 months, the fees charged are as follows: Monthly interest rate：36%/12=3% Monthly interest：Rp 3,000,000*36%/12=Rp 90,000 Monthly service fee：Rp 3,000,000*1.42%=Rp 42,600 Monthly payment amount：Rp 3,000,000/6 + Rp 3,000,000*36%/12+Rp 3,000,000*1.42%= Rp 632,600 Total interest: IDR 3,000,000*36%/12*6= IDR 540,000 Total service fee：Rp 3,000,000*1.42%*6= Rp 255,600 Total refund fee: IDR 3,000,000 + IDR 3,000,000*36%/12*6+ IDR 3,000,000*1.42%*6= IDR 3,795,600 ⭐️AdaKami is committed to providing a comfortable digital loan experience. For that, by borrowing money on AdaKami you will get: ✔︎Low interest & service fee ✔︎Loans without collateral ✔︎Easy bill payment ✔︎24 Hours Customer Service ✔︎Protect all your personal information. 😊How to apply for a digital loan at AdaKami? 1. Download AdaKami on the Google Play Store. 2. Login only with your mobile number. 3. Select the digital loan amount and payment period you want. 4. Upload all the requested information correctly. 5. Easy loan application approval. 6. Aged 18 years and over. 😊How to pay your digital cash loan？ You can pay bills via ATM transfer, M-Banking... AdaKami partner bank; MANDIRI, BCA, BNI, CIMB, BTN, PANIN, PERMATA MAYBANK, DANAMON, BRI... If you need a loan for an emergency situation or have difficulty applying for a credit card, please install the AdaKami application to apply for an easy rupiah loan. Make sure all your payment information matches the information listed in the application before making a transaction. Beware, Recognize & Avoid all fraudulent attempts on behalf of AdaKami. AdaKami never ask for payments through personal accounts and payments that are not listed in the application. Download AdaKami now! Apply for a loan without collateral and enjoy the convenience and security of AdaKami’s loan services! For more information, you can contact us below: ☎️Telephone: 1500077 📧Email: [email protected] ⌚Service Hours: Monday - Sunday 08:00 - 20:00 WIB ➡️Website: https://www.adakami.id/ 💖Live Chat In AdaKami Application Follow us on (Beware of unverified accounts) : 💖Facebook: AdaKami 💖Instagram: adakami.id 💖TikTok: adakami.id 💖Twitter: adakamiofficial Cyber Building 2 Tower Floor 28 Jl. H.R. Rasuna Said Block X-5 No. 13 RT/RW. 007/002 East Kuningan, Setia Budi South Jakarta 12950

Version history

4 versions are listed, going back to v3.3.0. Since v7.11.0 it requires Android 5.0+.

v7.20.0 LATEST Sep 9, 2026 41.9 MB TRUSTED v7.12.0 Feb 2, 2026 38.2 MB TRUSTED v7.11.0 Jan 30, 2026 37.8 MB TRUSTED v3.3.0 Jan 9, 2026 15 MB TRUSTED

All 4 versions

Security & authenticity

Security rating: Trusted

Signing certificate

Certificate issued to “adakami” This is the certificate of the Google Play version.
Same certificate as v7.12.0, which matches Google Play v7.12.0 · v7.11.0

Store checks and file details

Developer signature verified Sep 9, 2026
Signed byCN=adakami, OU=adakami, O=adakami, L=shanghai, ST=shanghai, C=cn
Signing certificate (SHA-1)99:16:5F:8C:40:F5:E4:5E:3B:FA:B4:CD:A7:4F:DC:4C:75:EF:F8:FD
File MD5c29ddea8a2cd7b2e1b93c625821de301
Uploaded by “mrml” 66 followers · uploading since 2026

Scans and ratings come from the source store; the certificate comparisons are AAPKs's own, made from the files' published signatures (2 other versions compared). AAPKs doesn't scan files itself — compare the MD5 and signer after downloading.

Permissions (18)

AdaKami - Digital Loans requests 18 permissions, 3 of them sensitive.

Approximate location Sensitive android.permission.ACCESS_COARSE_LOCATION
Camera Sensitive android.permission.CAMERA
Record audio (microphone) Sensitive android.permission.RECORD_AUDIO
Advertising ID com.google.android.gms.permission.AD_ID
Bluetooth android.permission.BLUETOOTH
Change network state android.permission.CHANGE_NETWORK_STATE
Detect screen capture android.permission.DETECT_SCREEN_CAPTURE
Flashlight android.permission.FLASHLIGHT
Full network access android.permission.INTERNET
Google Play install referrer com.google.android.finsky.permission.BIND_GET_INSTALL_REFERRER_SERVICE
Internal broadcast protection (app-defined) com.adakami.dana.kredit.pinjaman.DYNAMIC_RECEIVER_NOT_EXPORTED_PERMISSION
Prevent power key android.permission.PREVENT_POWER_KEY
Prevent the device from sleeping android.permission.WAKE_LOCK
Receive push notifications com.google.android.c2dm.permission.RECEIVE
Run foreground services android.permission.FOREGROUND_SERVICE
Show notifications android.permission.POST_NOTIFICATIONS
View Wi-Fi connections android.permission.ACCESS_WIFI_STATE
View network connections android.permission.ACCESS_NETWORK_STATE

Required hardware & features

Bluetooth android.hardware.bluetooth
Camera android.hardware.camera
Camera autofocus android.hardware.camera.autofocus
Basic touch input android.hardware.faketouch
Location android.hardware.location
Microphone android.hardware.microphone
Portrait screen android.hardware.screen.portrait

AdaKami - Digital Loans APK: questions and answers

Is there a version of AdaKami - Digital Loans for older Android phones?

The current version needs Android 5.0 or later. Version 3.3.0 is the newest listed build that installs on Android 4.1 and later. Get version 3.3.0 · All versions

Can I install this APK over the version I already have?

Yes, if your installed copy is older. It is signed like the Google Play version, so Android installs it as an update and keeps your data.

Is the AdaKami - Digital Loans APK safe?

No one can promise that a file is safe, but some things can be checked. The source store rates this file Trusted. It is signed with the same certificate as version 7.12.0, whose signature matches the Google Play version. After downloading, check that the file's MD5 is c29ddea8a2cd7b2e1b93c625821de301.