MODAL TEMAN
Modal Teman is a savings and loan cooperative based on financial technology (fintech) that provides savings and financing/loan products. The basis of financing is the Bills, Contracts and Projects owned by the borrowing customer.

MODAL TEMAN SYSTEM
The Teman Modal System was designed and built by the founders of independent cooperatives, so there is absolutely no risk of dependence on outside parties who own the fintech system. Having its own fintech system, will make it easier for Friend's Capital to adapt to market changes.