Acquisition
Apr 2020BukuWarung acquired Lunasbos, a credit-tracking app, and brought its founder Adjie Purbojati into the founding team.
SourceAccounting, Payments & Credit app for 60M micro-businesses in…
Company research
Public company, workplace, funding, and market signals
Updated Jul 30, 2026
Overview
BukuWarung is an Indonesian fintech and SME software company building an all-in-one financial infrastructure for MSMEs/warungs: digital bookkeeping, payments, merchant collections, digital goods sales, and access to capital. Public sources describe it as a Jakarta-based company founded in 2019 with a remote-first engineering organization and a mission to serve Indonesia’s ~60 million MSMEs.
Primary product
All-in-one MSME financial app for bookkeeping, payments, and merchant finance
Founded
2019
Headquarters
Jakarta, Indonesia
Team size
201-500
Work style
Remote
Industry
Technology, Information and Internet
Sub-industry
SME fintech / bookkeeping, payments, and merchant finance
Offices
Jakarta, Indonesia
Singapore
Business model
freemium app
transaction fees on payment features
digital goods/PPOB commissions
partner-based lending/origination
subscription upsell (BukuWarung Plus)
Funding
People & investors
Leadership
Co-Founder & CEO
Co-Founder & President
VP of Merchant Experience (Founding Team)
Regional Head
Head of Engineering
Founding Team - Product
Engineering Lead, Founding Team
Romy Williams
VP Strategic Partnership, Compliance, and Legal
Work & culture
Remote-first engineering culture with work-from-anywhere flexibility, monthly all-hands, weekly chill time, and values centered on bias for action, curiosity, resourcefulness, extreme ownership, and serving merchants.
Work style
Remote
Compensation
No public salary bands or compensation ranges were found in the reviewed sources.
Benefits
parental leave
well-being coaching
medical insurance
remote-first flexibility
Product & market
Pricing
Freemium; free registration, with monetization through payment-feature fees and optional premium/subscription offers
Differentiators
- —offline-first, lightweight app designed for low-end phones and intermittent data
- —automatic payment reminders that reduce awkward manual collection
- —one app for bookkeeping, payments, digital goods, and lending
- —built specifically for Indonesian MSMEs and warungs
- —broad payment-method support and merchant workflows
- —community and merchant-network approach through BukuAgen and related products
Technology
Java
Spring Boot
Spring MVC
ReactJS
Next.js
Android Kotlin
Firestore
SQLite
PostgreSQL
Airflow
Kafka
AWS
Kubernetes
Docker
GitHub
GitLab
Datadog
Grafana
Stripe
Google Workspace
Customers
Indonesian MSMEs
micro-merchants
warung owners
payment agents
PPOB / phone-credit agents
merchants in tier 2 and tier 3 cities
Competitors
Khatabook
OkCredit
BukuKas
LummoSHOP
FreshBooks
CrediBook
Scale & contact
Estimated revenue
USD 1M–10M
Estimated monthly visits
20.9K
Traffic estimate as of Jun 2026
Signals & risks
Other
Sep 2023DealStreetAsia reported BukuWarung’s losses widened in 2022 despite revenue growth, after the company had already posted a $19 million net loss in 2021.
SourceLatest news
IDN Times · Jun 2026
Summarizes internal analysis showing 7 of 10 financed merchants grew revenue, with average growth up to 58% after productive financing.
Jateng Pos · Jun 2026
Details merchant-success and community programs, along with disclosures about 250k merchants and 2025 lending / transaction scale.
IDN Times · Apr 2026
Covers BukuAgen Roadshow 2026 in eastern Indonesia and reiterates scale claims around 250k agents and Rp41.1 trillion in transactions.
Kontan · Apr 2026
Reports BukuWarung’s BukuAgen expansion, including more than 250,000 agents and 61 million+ transactions in 2025, plus continued rollout of BukuModal and BukuSimpan.
VIVA · Jan 2026
Covers BukuWarung’s 2025 transaction volume above 60 million and the launch of BukuPay soundbox / QRIS-on-box functionality.
Jobs and careers at BukuWarung
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