Use Now. Own Later. The Smart, Muslim-Friendly Rent-to-Own.

Laptops, mattresses, refrigerators, and e-motorbikes. Choose 12–24 months, pay monthly with transparent fees, and the product becomes yours at the end — no compounding interest.

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✅ Transparent

Fixed monthly fee, clear terms, real ownership transfer.

🌙 Sharia-Friendly

Aligned with Ijarah/Murabaha-like structures; advisory per market.

⚡ Fast & Digital

eKYC, instant eligibility, same/next-day delivery via partners.

❌ Problem We Solve

High upfront cost; low credit card penetration.
Concerns about interest (riba) and predatory terms.
Fragmented logistics and after-sales support.

✅ Our Solution

Rent-to-Own (12–24 months) → auto ownership at the end.
Zero interest, fixed transparent monthly fees.
Upgrade / Early Buyout options, plus Takaful Care+.
OEM partnerships, 3PL delivery, refurb & buyback flows.

🛠️ How It Works — 3 Steps

Pick & Plan: Choose product and tenure (12/18/24 months).
Verify: eKYC + instant scoring → monthly plan shown.
Own: Pay monthly; ownership transfers at the end.

Applies to laptops, mattresses, refrigerators, and e-motorbikes in Phase 1.

💻 Laptops

Study & work ready.

24-mo plan

🛏️ Mattresses

Sleep well, pay monthly.

18-mo plan

🧊 Refrigerators

Family essentials.

18-mo plan

⚡ E-Motorbikes

Clean commute.

24-mo plan

💸 Fair & Clear Pricing

Illustrative monthly ranges (ex-tax, location dependent):

Category	Tenure	From / Month
Laptop (entry)	24 mo	$26–$29
Refrigerator	18 mo	$22–$25
Mattress	18 mo	$15–$19
E-Motorbike	24 mo	$70–$78

Numbers for demo only. Final pricing shown after eKYC & eligibility.

⭐ Add-Ons

Care+ (Takaful): accidental damage protection.
Upgrade Plan: swap to newer model with a small fee.
Early Buyout: settle early with transparent discount.
Referral Bonus: invite friends & family.

📈 Why Now (Investor View)

Strong demand for “use now, pay monthly” essentials in Asia/MENA.
Sharia-aligned financing adoption is rising.
Digital rails (eKYC, e-payments) make RTO scalable.

💵 Funding & Partnerships

Partner with OEMs, 3PLs, Sharia fintechs, and cooperatives.
Seed investment to scale risk engine, inventory float, and GTM.
Email: invest@punyasendiri.id

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❓ FAQ

Is this Sharia-compliant?

We structure plans to avoid compounding interest and work with local Sharia advisors in each market for alignment and certification.

Who owns the item during the plan?

We provide use-rights during the term. Ownership transfers to you automatically after the final payment.

Can I buy earlier or upgrade?

Yes — Early Buyout provides a clear settlement path. Upgrade Plan lets you switch to a newer model for a small fee.

Where is it available?

Phase 1: Indonesia. Expansion roadmap includes Malaysia, Philippines, and GCC, subject to local partnerships.

Ready to Own — the Right Way?

Choose your product, verify in minutes, and start using it today. Ownership follows at the end of your plan.

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