<?xml version="1.0" encoding="UTF-8"?>
<urlset xmlns="http://www.sitemaps.org/schemas/sitemap/0.9" xmlns:xhtml="http://www.w3.org/1999/xhtml">
<url>
  <loc>https://faq.amartha.com/hc/en-us</loc>
  <lastmod>2026-04-02T06:42:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30272232763801-Apakah-pelaporan-PPh-23-harus-dilaporkan-per-bulan-atau-bisa-dijadikan-satu-saat-pelaporan-SPT-Tahunan</loc>
  <lastmod>2024-08-16T10:08:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30272772385689-Saya-WNI-yang-bertempat-tinggal-di-luar-negeri-Bagaimana-pemotongan-pajak-dari-imbal-hasil-yang-saya-dapatkan-dan-pelaporan-SPT-tahunannya</loc>
  <lastmod>2024-08-16T10:09:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30272853066649-Apakah-ini-pajak-final</loc>
  <lastmod>2024-03-23T06:09:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30272926649113-Apakah-para-pendana-bisa-mengurus-melapor-sendiri-pajaknya</loc>
  <lastmod>2024-03-23T06:12:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273011289625-Saya-memiliki-lebih-dari-1-akun-aktif-di-Amartha-Apakah-saya-akan-mendapatkan-bukti-potong-dari-Amartha-di-semua-akun-yang-saya-miliki</loc>
  <lastmod>2024-04-06T05:12:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273042572825-Apakah-ada-pengembalian-pajak-yang-sudah-dipotong-dari-loan-yang-mengalami-gagal-bayar</loc>
  <lastmod>2024-03-23T06:17:11Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273146443161-Apakah-akan-ada-pemotongan-pajak-untuk-loan-yang-sedang-berjalan</loc>
  <lastmod>2024-03-23T06:19:47Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273162028569-Apakah-akan-ada-subsidi-dari-Amartha-untuk-potongan-pajak-sebelum-Pendana-dapat-mendaftarkan-NPWP</loc>
  <lastmod>2024-03-23T06:21:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273220754713-Setelah-saya-mendaftarkan-kembali-nomor-NPWP-yang-valid-apakah-ada-refund-untuk-pajak-yang-sebelumnya-telah-dikenakan-potongan-yang-lebih-besar</loc>
  <lastmod>2024-03-23T06:23:08Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273260581657-Bagaimana-jika-Nomor-NPWP-saya-ternyata-dinyatakan-tidak-valid</loc>
  <lastmod>2024-03-23T06:24:33Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273311185433-Bagaimana-cara-saya-mendaftarkan-NPWP-di-Amartha</loc>
  <lastmod>2024-04-02T06:21:14Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273328191769-Apa-implikasi-penerapan-PMK-No-69-PMK-03-2022-terhadap-pendanaan-yang-saya-lakukan-di-Amartha</loc>
  <lastmod>2024-06-20T06:56:50Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30273575843993-Apa-yang-dimaksud-dengan-Pemotongan-Pajak-PPh-23</loc>
  <lastmod>2024-03-23T06:34:45Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30276472827673-Siapa-saja-yang-dapat-menjadi-Pendana-di-Amartha</loc>
  <lastmod>2025-02-11T08:53:59Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30276571963673-Bagaimana-Amartha-mengatur-resiko</loc>
  <lastmod>2025-02-11T08:52:11Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30276651562393-Apakah-peer-to-peer-P2P-lending-itu</loc>
  <lastmod>2024-04-28T23:47:11Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30276978984601-Apa-perbedaan-Tanggal-Efektif-dan-Tanggal-Pencairan</loc>
  <lastmod>2025-02-11T08:48:20Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30277063084953-Apa-yang-terjadi-jika-Mitra-usaha-Saya-tidak-melakukan-pembayaran-sampai-masa-tenor-yang-sudah-ditentukan</loc>
  <lastmod>2025-02-11T08:47:09Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30277084785817-Bagaimana-Cara-Amartha-Menyeleksi-Calon-Penerima-Pinjaman-Berkualitas</loc>
  <lastmod>2024-05-02T09:29:30Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30277197804441-Apakah-keunikan-Amartha</loc>
  <lastmod>2024-08-22T06:40:45Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30277491819929-Apa-yang-menyebabkan-adanya-penyesuaian-perhitungan-skor-kredit-di-Amartha</loc>
  <lastmod>2025-02-11T08:45:42Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30277667722009-Mungkinkah-Saya-memilih-penerima-pinjaman-yang-ingin-Saya-bantu</loc>
  <lastmod>2025-02-11T08:44:55Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278073697561-Apakah-yang-dimaksud-dengan-skor-kredit-penerima-pinjaman</loc>
  <lastmod>2024-04-20T03:48:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278232478617-Apakah-ada-perbedaan-dalam-sistem-pengembalian-pembayaran-angsuran-pada-pendanaan-Crowdfunding</loc>
  <lastmod>2024-03-23T09:05:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278275848345-Berapa-lama-waktu-pencairan-pendanaan-Crowdfunding</loc>
  <lastmod>2024-03-23T09:06:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278346256665-Apakah-itu-pendanaan-Crowdfunding</loc>
  <lastmod>2024-03-23T09:08:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278394264345-Berapa-tenor-yang-tersedia-untuk-pendanaan-Crowdfunding</loc>
  <lastmod>2024-03-23T09:10:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278427706649-Mengapa-saya-tidak-dapat-menemukan-pendanaan-crowdfunding-di-marketplace</loc>
  <lastmod>2024-03-23T09:11:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278484122777-Apa-keuntungan-dari-pendanaan-Crowdfunding-dibandingkan-dengan-pendanaan-biasa</loc>
  <lastmod>2024-03-23T09:12:51Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30278522881945-Berapa-dana-yang-dibutuhkan-untuk-melakukan-pendanaan-Crowdfunding</loc>
  <lastmod>2024-03-23T09:13:59Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30279009169561-Apakah-yang-dimaksud-dengan-Akad-Pendanaan</loc>
  <lastmod>2025-02-11T08:42:45Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30279068762393-Apa-yang-terjadi-jika-Penerima-Pinjaman-gagal-bayar-atau-tidak-mampu-membayar-karena-terkendala-dengan-usahanya</loc>
  <lastmod>2025-02-11T08:38:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287684647321-Bagaimana-Cara-Daftar-jadi-Agen-AmarthaLink</loc>
  <lastmod>2025-12-01T14:19:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287749755033-Bagaimana-cara-mengatur-harga-jual-produk</loc>
  <lastmod>2024-10-09T14:50:18Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287765187737-Wilayah-mana-saja-yang-sudah-dapat-akses-layanan-AmarthaLink</loc>
  <lastmod>2024-10-14T04:31:01Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287777465113-Bagaimana-cara-melakukan-top-up-Amartha-Poket</loc>
  <lastmod>2025-09-17T03:40:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287797856025-Apa-saja-keuntungan-menjadi-agen-AmarthaLink</loc>
  <lastmod>2024-10-14T04:30:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287869263129-Apakah-mitra-Amartha-dapat-melakukan-pembayaran-angsuran-melalui-agen-AmarthaLink</loc>
  <lastmod>2024-10-14T04:28:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287911751833-Apa-saja-syarat-menjadi-agen-AmarthaLink</loc>
  <lastmod>2025-04-05T08:47:00Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287950585369-Apa-kelebihan-Poket-Premium</loc>
  <lastmod>2025-07-04T03:52:08Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287956292249-Apa-itu-AmarthaLink</loc>
  <lastmod>2024-10-14T04:24:58Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30287965277721-Transaksi-apa-saja-yang-dapat-dilakukan-di-agen-AmarthaLink</loc>
  <lastmod>2024-10-14T04:26:06Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288009387801-Bagaimana-cara-upgrade-akun-poket-menjadi-premium</loc>
  <lastmod>2026-04-01T16:01:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288017536793-Bagaimana-cara-saya-mengajukan-pinjaman-ke-Amartha</loc>
  <lastmod>2026-03-31T20:30:01Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288022049433-Apa-saja-dokumen-untuk-persyaratan-pembentukan-majelis</loc>
  <lastmod>2024-10-21T02:59:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288043767577-Bagaimana-sistem-keanggotaan-Mitra-di-Amartha</loc>
  <lastmod>2024-10-21T03:01:41Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288077225241-Pemadanan-NIK-Menjadi-NPWP</loc>
  <lastmod>2024-08-24T01:29:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288101280153-Bagaimana-alur-proses-mengajukan-pinjaman-di-Amartha-jika-syarat-sudah-terpenuhi</loc>
  <lastmod>2025-11-05T08:56:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288106176921-Apa-keunggulan-menjadi-Mitra-Amartha</loc>
  <lastmod>2024-10-21T04:13:06Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288110065817-Apakah-Mitra-Amartha-dapat-mengajukan-pinjaman-kembali-pada-saat-angsuran-berjalan</loc>
  <lastmod>2025-12-30T07:07:31Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288130768025-Apakah-persyaratan-untuk-menjadi-Mitra-Amartha</loc>
  <lastmod>2026-01-05T10:32:11Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288137674137-Apa-saja-produk-pinjaman-yang-tersedia-di-Amartha</loc>
  <lastmod>2024-10-25T03:24:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288282534169-Mengapa-sekarang-saya-tidak-bisa-menemukan-opsi-Asuransi-Kredit-di-pendanaan-normal</loc>
  <lastmod>2024-03-23T15:39:51Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288298750105-Saya-mendanai-sebelum-tanggal-1-Juni-2023-dan-sudah-terproteksi-Asuransi-Kredit-apakah-tetap-berlaku</loc>
  <lastmod>2024-04-14T12:33:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288332959385-Saya-ingin-mendanai-Pendanaan-Normal-namun-tidak-ada-opsi-untuk-menambahkan-asuransi-kredit</loc>
  <lastmod>2024-04-17T09:31:59Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288341553561-Bagaimana-cara-melihat-riwayat-transaksi-pada-Celengan</loc>
  <lastmod>2025-05-15T16:35:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288342879513-Berapa-lama-proses-pendanaan-di-Celengan</loc>
  <lastmod>2024-07-11T09:53:42Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288346455833-Bagaimana-Amartha-menentukan-kredit-skor</loc>
  <lastmod>2024-03-23T15:41:39Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288372271001-Apa-sajakah-opsi-mitigasi-risiko-pendanaan-yang-tersedia-jika-pendanaan-Saya-tidak-menggunakan-asuransi-kredit</loc>
  <lastmod>2025-02-11T08:16:25Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288435516953-Bagaimana-jika-lupa-PIN-di-Celengan</loc>
  <lastmod>2024-07-11T10:04:18Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288459203225-Apa-yang-dimaksud-dengan-PIN</loc>
  <lastmod>2024-07-11T09:51:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288462294425-Bagaimana-cara-untuk-mengubah-PIN-di-Celengan</loc>
  <lastmod>2024-07-11T10:03:22Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288476486937-Jika-saldo-Celengan-sudah-berhasil-ditarik-apakah-bisa-dipakai-untuk-produk-lain-di-AmarthaFin</loc>
  <lastmod>2025-01-15T10:07:36Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288499684121-Bagaimana-cara-melakukan-penarikan-saldo-Celengan</loc>
  <lastmod>2026-03-05T18:48:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288506656537-Kenapa-penarikan-Saldo-Celengan-tidak-berhasil-Apa-yang-harus-dilakukan-jika-pencairan-belum-berhasil</loc>
  <lastmod>2025-01-15T10:26:00Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288512787097-Apakah-tarik-dana-dari-Celengan-bisa-langsung-atau-saldo-harus-dipindah-ke-Poket-terlebih-dahulu</loc>
  <lastmod>2024-07-11T09:49:14Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288514125849-Jika-Saldo-Celengan-sudah-saya-tarik-maka-dana-akan-di-transfer-kemana</loc>
  <lastmod>2024-08-24T01:32:12Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288526807705-Apakah-saldo-Poket-akan-otomatis-berpindah-menjadi-pendanaan-Celengan</loc>
  <lastmod>2024-07-11T09:46:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288550984601-Jika-pendanaan-di-Amartha-Celengan-belum-berhasil-apa-yang-harus-dilakukan</loc>
  <lastmod>2025-01-15T09:04:12Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288555163801-Kapan-pembelian-produk-Celengan-berhasil-dan-saldo-Poket-saya-terpotong</loc>
  <lastmod>2024-08-24T03:04:51Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288575037465-Bagaimana-jika-saldo-Poket-saya-tidak-cukup-untuk-mendanai</loc>
  <lastmod>2024-07-11T09:42:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288580115353-Bagaimana-jika-Saldo-Celengan-saya-tidak-muncul</loc>
  <lastmod>2025-01-15T08:46:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288629524505-Apakah-perlu-disertakan-lampiran-rincian-daftar-mitra-dalam-bukti-potong-PPh-23-ketika-melaporkan-SPT-Tahunan</loc>
  <lastmod>2025-04-05T08:42:01Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288632089369-Saya-memiliki-penghasilan-sebagai-karyawan-Apakah-pajak-progresif-PPh21-dan-PPh23-ini-akan-digabung-Bagaimana-cara-perhitungannya</loc>
  <lastmod>2024-03-23T16:00:29Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288637473305--Apakah-Pajak-PPh-23-ini-bersifat-tetap-dan-tidak-bersifat-progresif-Dan-Apakah-PPh-23-atas-imbal-hasil-ini-bersifat-final</loc>
  <lastmod>2024-03-23T16:01:44Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288692453401-Apakah-saya-akan-mendapatkan-bukti-potong-dari-Amartha</loc>
  <lastmod>2024-08-16T10:06:09Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288699878681-Apa-yang-dimaksud-dengan-pelunasan-dini</loc>
  <lastmod>2024-03-23T16:03:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288738177433-Apakah-ibu-agen-AmarthaLink-dapat-melakukan-pembayaran-angsurannya-sendiri</loc>
  <lastmod>2024-10-14T04:38:09Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288767437337-Apa-yang-terjadi-jika-penerima-pinjaman-melakukan-pelunasan-dini</loc>
  <lastmod>2024-03-23T16:04:11Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288786191129-Bagaimana-Ibu-Mitra-Amartha-dapat-membeli-Produk-Amartha-Celengan</loc>
  <lastmod>2024-06-12T10:00:16Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288823058201-Kebijakan-Privasi-AmarthaFin</loc>
  <lastmod>2025-03-18T08:35:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288824930713-Syarat-dan-Ketentuan-Umum-AmarthaFin</loc>
  <lastmod>2026-03-04T02:09:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288828749977-Kebijakan-Privasi-AmarthaFIN</loc>
  <lastmod>2024-06-11T04:35:30Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288846760089-Syarat-dan-Ketentuan-Umum-AmarthaFIN</loc>
  <lastmod>2024-06-11T04:39:45Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288849488025-Apakah-ada-kriteria-untuk-dapat-menjadi-Pendana-Amartha-Celengan</loc>
  <lastmod>2024-07-11T09:39:04Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288901904665-Mengapa-saya-tidak-menerima-SMS-OTP</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288915981465-Apakah-PIN-untuk-login-AmarthaFin-dan-PIN-Amartha-Poket-sama</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288928155929-Bagaimana-apabila-saya-lupa-PIN</loc>
  <lastmod>2025-12-03T09:58:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288939806233-Bagaimana-jika-transaksi-pembelian-Pulsa-Token-Data-belum-diterima</loc>
  <lastmod>2024-06-07T09:06:37Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288941932953-Bagaimana-cara-untuk-ubah-Nomor-Hp-Nama-NIK-yang-sudah-tidak-terdaftar</loc>
  <lastmod>2025-10-10T05:04:53Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288948741913-Apakah-nomor-handphone-Poket-harus-sama-dengan-Aplikasi-AmarthaFin-Bagaimana-jika-berbeda</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288981927065-Bagaimana-cara-daftar-aplikasi-AmarthaFin</loc>
  <lastmod>2025-12-02T10:49:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30288985688473-Apa-itu-aplikasi-AmarthaFin</loc>
  <lastmod>2024-06-07T08:45:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289011079193-Apa-saja-kegunaan-aplikasi-AmarthaFin</loc>
  <lastmod>2025-02-04T10:40:54Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289036453785-Apa-perbedaan-Akun-Basic-dan-Akun-Premium</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289054908313-Bagaimana-cara-melakukan-registrasi-Amartha-Poket</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289056624793-Bagaimana-jika-Amartha-Poket-tidak-muncul-di-homepage-Aplikasi-saya</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289074874777-Apakah-hanya-yang-memiliki-savings-Amartha-yang-bisa-mendaftar-akun-Amartha-Poket</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289083316377-Ketentuan-Penggunaan-Poket</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289089384857-Berapa-jumlah-pendanaan-mininum-untuk-Pendana-dapat-mendanai</loc>
  <lastmod>2024-07-11T09:37:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289095190041-Apa-itu-Amartha-Poket-dan-apa-manfaatnya</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289114639257-Apa-perbedaan-Poket-dan-Total-Aset-pada-halaman-Home</loc>
  <lastmod>2024-08-24T04:09:53Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289117231129-Apa-itu-Celengan</loc>
  <lastmod>2025-07-04T04:00:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289125714457-Bagaimana-jika-saya-menghendaki-cancel-dan-atau-refund-pendanaan</loc>
  <lastmod>2024-07-11T09:35:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289134962457-Kenapa-ada-Masa-Tunggu-Investasi</loc>
  <lastmod>2024-03-23T16:28:31Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289150890777-Apa-keuntungan-Amartha-Celengan-bagi-Pendana</loc>
  <lastmod>2025-07-04T03:56:43Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289182278425-Apakah-saya-boleh-melakukan-investasi-mandiri</loc>
  <lastmod>2024-07-11T09:27:42Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289185125913-Persentase-keuntungan-ini-riba-atau-bukan</loc>
  <lastmod>2025-07-04T03:49:53Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289186266777-Dimana-saya-bisa-mendapatkan-informasi-lebih-lanjut-tentang-Celengan</loc>
  <lastmod>2025-08-16T22:56:42Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289192987417-Apakah-saya-tetap-akan-mendapatkan-keuntungan-flat-7-jika-melakukan-penarikan-lebih-awal</loc>
  <lastmod>2025-07-04T03:44:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289194219289-Bagaimana-cara-menghitung-keuntungan-saya</loc>
  <lastmod>2025-07-04T03:51:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289200729497-Bagaimana-jika-saya-sebagai-Ibu-Mitra-mau-melakukan-pelunasan-dini</loc>
  <lastmod>2024-07-11T09:36:24Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289244550681-Bagaimana-jika-Saya-gagal-bayar-karena-salah-PIN-Poket</loc>
  <lastmod>2024-10-09T15:30:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289321970201-Bagaimana-cara-mendapatkan-surat-pelunasan-dari-pinjaman-yang-sudah-lunas</loc>
  <lastmod>2025-01-07T08:10:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289337978777-Bagaimana-jika-Ibu-Mitra-gagal-pencairan-pendanaan-setelah-data-sudah-lolos-survey</loc>
  <lastmod>2025-12-17T07:01:32Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30289618110233-Bagaimana-cara-melakukan-pembayaran-angsuran-melalui-aplikasi-Amartha-Fin</loc>
  <lastmod>2024-10-14T07:31:11Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329132177689-Saya-tinggal-di-Luar-Negeri-apakah-Saya-dapat-menjadi-pendana-di-Amartha</loc>
  <lastmod>2025-02-11T08:08:16Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329191488153-Dapatkah-Saya-membatalkan-pendanaan-yang-telah-Saya-lakukan</loc>
  <lastmod>2025-02-11T08:07:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329341878169-Bagaimana-memastikan-pendanaan-saya-sampai-kepada-penerima-pinjaman-yang-tepat</loc>
  <lastmod>2024-04-02T12:35:36Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329353751193-Apakah-saya-perlu-menyimpan-bukti-transaksi-melalui-VA</loc>
  <lastmod>2024-03-25T01:33:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329419190809-Mengapa-harus-memakai-Virtual-Account-VA</loc>
  <lastmod>2024-03-25T01:34:54Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329573936921-Bagaimana-jika-saya-menutup-rekening-di-Amartha-dan-membuka-kembali-rekening-baru-di-kemudian-hari</loc>
  <lastmod>2024-03-27T07:15:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329637164313-Apakah-VA-saya-langsung-aktif-pada-saat-saya-mendaftar-sebagai-pendana-di-Amartha</loc>
  <lastmod>2024-03-25T01:39:13Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329707330713-Apakah-pada-saat-penarikan-dana-saya-ditransfer-ke-rekening-VA-ini</loc>
  <lastmod>2024-03-25T01:40:37Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30329784575257-Kapan-Saya-menerima-pengembalian-pertama-atas-pendanaan-Saya</loc>
  <lastmod>2025-02-11T07:39:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30330222126745-Bagaimana-cara-saya-melakukan-transfer-dengan-Online-VA-Mandiri</loc>
  <lastmod>2024-09-04T09:54:38Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30330331245593-Bagaimana-cara-saya-melakukan-transfer-dengan-Online-VA-BCA</loc>
  <lastmod>2025-07-15T11:17:30Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30330394523417-Bagaimana-jika-saya-melakukan-beberapa-kali-pembelanjaan-di-marketplace</loc>
  <lastmod>2024-03-25T01:54:50Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331682965529-Apakah-nomor-VA-akan-berubah-setiap-kali-bertransaksi</loc>
  <lastmod>2024-03-25T02:19:53Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331693834905--Apakah-saya-harus-melakukan-konfirmasi-transfer</loc>
  <lastmod>2024-04-26T16:48:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331750469145-Mengapa-saya-diberi-dua-nomor-VA</loc>
  <lastmod>2024-03-25T02:21:23Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331791152153-Berapa-lama-waktu-yang-dibutuhkan-agar-saldo-e-wallet-ter-update-setelah-melakukan-transfer-lewat-VA</loc>
  <lastmod>2024-03-25T02:22:16Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331847873689-Apa-yang-terjadi-jika-saya-tidak-melakukan-konfirmasi-transfer-atas-beberapa-transaksi</loc>
  <lastmod>2024-03-25T02:23:00Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331890294425-Bagaimana-jika-Saya-ingin-memperbarui-informasi-bank</loc>
  <lastmod>2025-02-11T07:38:09Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331920825625-Bagaimana-proses-tanggung-renteng-di-Amartha</loc>
  <lastmod>2025-09-17T02:53:55Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30331953255321-Apakah-pendanaan-Saya-aman</loc>
  <lastmod>2025-02-11T06:50:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30332439638297-Apa-yang-dimaksud-dengan-Perjanjian-Layanan-Penyaluran-Pendanaan</loc>
  <lastmod>2025-02-10T10:47:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30332735807769-Apakah-yang-dimaksud-dengan-Surat-Kuasa-Perjanjian-Pendanaan</loc>
  <lastmod>2025-02-10T10:46:39Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333072723865-Bagaimana-cara-saya-melakukan-pembayaran-pendanaan</loc>
  <lastmod>2024-09-04T10:04:41Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333152388121-Apakah-Ada-Minimal-Top-Up-Dana-ke-nomor-Virtual-Account-VA-Amartha</loc>
  <lastmod>2024-12-26T11:43:18Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333472189721-Bagaimana-Amartha-menyimpan-data-yang-telah-saya-berikan</loc>
  <lastmod>2024-03-25T02:53:22Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333566245657-Apa-yang-dimaksud-dengan-TKB90</loc>
  <lastmod>2024-03-25T02:55:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333640182041-Apakah-antara-pendana-dan-penerima-pinjaman-ada-kesepakatan-yang-mengikat-secara-hukum</loc>
  <lastmod>2024-03-25T02:56:29Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333728941081-Apa-dampak-perubahan-Amartha-dari-bentuk-koperasi-menjadi-PT-Amartha-Mikro-Fintek-AMF-terhadap-penerima-pinjaman-dan-pendana</loc>
  <lastmod>2024-03-25T02:58:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333775178521-Apakah-saya-dapat-memiliki-beberapa-akun-pendana-di-Amartha</loc>
  <lastmod>2024-05-01T23:53:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333814941849-Apakah-Amartha-diatur-dan-diawasi-oleh-Pemerintah</loc>
  <lastmod>2024-04-19T13:32:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333880061337-Apakah-perbedaan-antara-pendana-individu-dan-pendana-institusional</loc>
  <lastmod>2024-03-25T03:01:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30333945985305-Berapa-jumlah-minimum-dan-maksimum-pinjaman-yang-dapat-saya-danai</loc>
  <lastmod>2024-08-22T06:40:59Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30334042667417-Bagaimana-cara-melakukan-pembayaran-angsuran</loc>
  <lastmod>2025-11-05T09:12:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30334298040985-Bagaimana-saya-memeriksa-tanggal-jatuh-tempo-angsuran</loc>
  <lastmod>2024-06-20T07:11:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30334325034009-Bagaimana-jika-saya-belum-melakukan-pembayaran-setelah-melewati-masa-jatuh-tempo</loc>
  <lastmod>2024-06-20T07:15:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30334440156953-Bagaimana-saya-memeriksa-status-pembayaran</loc>
  <lastmod>2025-12-30T07:20:43Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30334446454169-Berapa-nominal-angsuran-yang-harus-saya-bayar</loc>
  <lastmod>2024-06-20T07:16:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30334471902233-Mengapa-pencairan-pendanaan-Crowdfunding-saya-gagal</loc>
  <lastmod>2024-03-25T03:11:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/30671843150105-Write-Off</loc>
  <lastmod>2024-04-15T08:51:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/31722898910361-Ketentuan-Penggunaan-Poket</loc>
  <lastmod>2025-06-02T05:07:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/31722959843353-Apa-itu-Poket-dan-apa-manfaatnya</loc>
  <lastmod>2025-05-22T03:11:32Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33038192492953-Bagaimana-cara-menentukan-harga-jual-produk-digital</loc>
  <lastmod>2024-10-09T15:21:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33450966666649-Berapa-nominal-top-up-minimal-di-Amartha-Poket</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33451211154585-Apakah-ada-biaya-admin-untuk-setiap-kali-melakukan-Top-Up-Poket</loc>
  <lastmod>2025-10-10T03:56:44Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33451305136409-Bagaimana-jika-saldo-Poket-Saya-tidak-bertambah-setelah-melakukan-top-up</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33451417413785-Berapa-lama-waktu-verifikasi-upgrade-Premium-Account</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33451515800601-Bagaimana-jika-verifikasi-Upgrade-Premium-Account-saya-ditolak</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33451696937113-Bagaimana-cara-melakukan-transfer-saldo-Poket-ke-akun-Poket-lain</loc>
  <lastmod>2025-08-31T15:55:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33451713717273-Berapa-nominal-minimum-untuk-transfer-saldo-Poket-ke-akun-lain</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33451780818457-Berapa-lama-waktu-transfer-saldo-poket-ke-bank-berhasil-diproses</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/33453696614041-Bagaimana-jika-tidak-bisa-menerima-kode-verifikasi-OTP</loc>
  <lastmod>2026-02-24T07:54:39Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/34352327831065-Syarat-dan-Ketentuan-Layanan-AmarthaLink</loc>
  <lastmod>2025-05-14T00:59:53Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/34352880477209-Syarat-dan-Ketentuan-Fasilitas-Saldo-Negatif-AmarthaLink</loc>
  <lastmod>2024-10-14T07:34:36Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/34972759253145-Bagaimana-cara-pendanaan-di-Produk-Celengan</loc>
  <lastmod>2025-10-16T09:33:08Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/34972818609177-Saya-melihat-publikasi-artikel-tentang-Earn-Apa-itu-Earn</loc>
  <lastmod>2024-07-31T06:56:08Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/34972918000793-Bagaimana-cara-Top-Up-Celengan-via-Agen-AmarthaLink</loc>
  <lastmod>2024-10-14T07:23:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/34973018190745-Saya-Agen-AmarthaLink-dan-ingin-membantu-user-lain-Top-Up-Celengan-bagaimana-caranya</loc>
  <lastmod>2024-10-14T07:26:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/35958728036761-Bagaimana-cara-perubahan-nomor-Hp-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2026-03-04T02:09:46Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/35959753397273-Kenapa-perubahan-nomor-HP-yang-dilakukan-Gagal</loc>
  <lastmod>2025-01-16T05:39:23Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36256218192921-Bagaimana-cara-masuk-ke-aplikasi-AmarthaFin</loc>
  <lastmod>2026-03-10T13:51:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36608229107097-Bagaimana-cara-download-aplikasi-Amartha</loc>
  <lastmod>2024-08-27T10:41:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36608431276057-Bagaimana-cara-registrasi-akun-Amartha</loc>
  <lastmod>2024-08-27T10:41:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36608463735833-Bagaimana-cara-masuk-ke-akun-Amartha</loc>
  <lastmod>2025-12-02T11:00:32Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977011916441-Apa-perbedaan-Akun-Basic-dan-Akun-Premium</loc>
  <lastmod>2025-05-22T03:28:01Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977051286169-Apa-kelebihan-Poket-Premium</loc>
  <lastmod>2025-05-22T04:31:34Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977086408217-Bagaimana-cara-melakukan-registrasi-Poket-by-Amartha</loc>
  <lastmod>2025-05-22T03:18:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977137916569-Bagaimana-cara-upgrade-Akun-Poket-menjadi-Premium</loc>
  <lastmod>2026-04-01T16:02:25Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977149336985-Bagaimana-cara-melakukan-top-up-Poket-by-Amartha</loc>
  <lastmod>2025-05-22T04:00:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977206222873-Bagaimana-cara-melakukan-penarikan-dana-Poket-Saldo</loc>
  <lastmod>2025-05-01T09:18:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977382682137-Bagaimana-cara-melakukan-pembayaran-menggunakan-Poket-Saldo</loc>
  <lastmod>2025-05-01T09:15:16Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977423309465-Mengapa-Saya-tidak-menerima-SMS-OTP</loc>
  <lastmod>2026-03-26T11:25:47Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977431078041-Bagaimana-jika-Poket-by-Amartha-tidak-muncul-di-homepage-Aplikasi-Saya</loc>
  <lastmod>2026-03-26T11:12:55Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977459644441-Apakah-PIN-untuk-login-AmarthaFin-dan-PIN-Amartha-Poket-Saldo-sama</loc>
  <lastmod>2025-05-01T09:03:41Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977471331993-Apakah-nomor-handphone-Poket-harus-sama-dengan-aplikasi-AmarthaFin-Bagaimana-jika-berbeda</loc>
  <lastmod>2025-05-22T03:25:54Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/36977489465497-Apa-yang-terjadi-apabila-handphone-saya-hilang</loc>
  <lastmod>2026-03-26T11:24:39Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/37117568952217-Bagaimana-cara-untuk-menjadi-Pendana-di-Amartha</loc>
  <lastmod>2025-02-10T10:29:54Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/37892964822297-Bagaimana-cara-download-aplikasi-AmarthaFin</loc>
  <lastmod>2024-09-19T09:08:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38323954207257-Cara-top-up-Poket-melalui-Agen-AmarthaLink</loc>
  <lastmod>2025-08-31T15:25:46Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38323972249497-Cara-top-up-Poket-melalui-Transfer-Bank-ke-Virtual-Account-VA</loc>
  <lastmod>2025-08-31T15:34:13Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38323998114073-Cara-top-up-Poket-melalui-Retail-Outlet-Indomaret-Alfamart-Alfamidi-Dan-dan</loc>
  <lastmod>2025-08-31T15:37:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38640849269529-Siapa-saja-yang-dapat-mendaftar-jadi-Agen-AmarthaLink</loc>
  <lastmod>2024-10-14T04:27:44Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38641109049753-Metode-apa-saja-yang-tersedia-untuk-mengisi-saldo-poket-di-AmarthaFIN</loc>
  <lastmod>2024-10-14T04:39:04Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38641347763353-Bagaimana-cara-penanganannya-jika-ada-kendala-transaksi</loc>
  <lastmod>2024-11-14T06:22:51Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38641352508185-Bagaimana-cara-mengetahui-Komisi-atau-Keuntungan-Penjualan</loc>
  <lastmod>2024-10-09T14:57:14Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38641449088153-Apakah-pengguna-yang-sudah-terdaftar-jadi-Agen-AmarthaOne-perlu-mendaftar-ulang-sebagai-Agen-AmarthaLink</loc>
  <lastmod>2024-12-18T17:47:34Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38907489682585-Apa-itu-Amartha-Modal</loc>
  <lastmod>2026-01-13T08:07:57Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38907867134617-Apa-saja-manfaat-dari-Amartha-Modal</loc>
  <lastmod>2026-01-13T08:11:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38907914457241-Bagaimana-cara-melakukan-pengajuan-Amartha-Modal</loc>
  <lastmod>2026-01-21T02:17:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38908046742681-Bagaimana-cara-melakukan-pencairan-Amartha-Modal</loc>
  <lastmod>2026-01-13T09:31:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38908073862553-Bagaimana-cara-pembayaran-Amartha-Modal</loc>
  <lastmod>2026-01-13T07:08:32Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/38989674404249-Berapa-lama-proses-pengajuan-pembiayaan-sebagai-Mitra-di-Amartha</loc>
  <lastmod>2024-10-18T07:39:47Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39129465699097-Amartha-Poket-Premium</loc>
  <lastmod>2025-07-04T03:53:43Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39677624365977-Bagaimana-cara-saya-mengajukan-pembiayaan-lanjutan-ke-Amartha</loc>
  <lastmod>2025-12-17T06:39:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39677662208025-Mengapa-pengajuan-pembiayaan-saya-ditolak</loc>
  <lastmod>2024-11-06T02:25:39Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39677701633689-Mengapa-menu-Ajukan-Pinjaman-tidak-muncul-di-aplikasi-AmarthaFIN</loc>
  <lastmod>2025-12-17T06:15:21Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39677813886105-Bagaimana-cara-mengajukan-pembiayaan-lanjutan-melalui-aplikasi-AmarthaFIN</loc>
  <lastmod>2025-12-17T06:37:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692115793817-Bagaimana-cara-mengaktifkan-Pemotongan-Angsuran-Otomatis-Fitur-Autodebit-dari-poket</loc>
  <lastmod>2024-11-06T07:54:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692301329049-Apakah-saat-ini-angsuran-dapat-dipotong-otomatis</loc>
  <lastmod>2024-11-06T07:57:09Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692377790105-Apakah-fitur-ini-berlaku-hanya-untuk-mitra-baru-saja</loc>
  <lastmod>2024-11-06T07:58:50Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692406325401-Bagaimana-mekanisme-potongan-angsuran-secara-otomatis-Fitur-Autodebit-melalui-Poket</loc>
  <lastmod>2024-11-06T07:59:58Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692434884761-Apakah-pembayaran-angsuran-melalui-potongan-otomatis-poket-Fitur-Autodebit-dapat-dilakukan-secara-cicilan-atau-sebagian</loc>
  <lastmod>2024-11-06T08:01:06Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692540085529-Apa-yang-terjadi-jika-Saya-memiliki-tagihan-lebih-dari-satu-kali-angsuran</loc>
  <lastmod>2024-11-06T08:02:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692620801945-Kenapa-saldo-saya-tidak-terpotong-otomatis-untuk-angsuran</loc>
  <lastmod>2024-11-06T08:03:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692649943577-Saya-sudah-memiliki-saldo-poket-tapi-kenapa-tidak-terpotong-untuk-pembayaran-angsuran</loc>
  <lastmod>2025-01-07T08:36:08Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39692972135961-Bagaimana-cara-mengaktifkan-Fitur-Autodebit-Poket</loc>
  <lastmod>2024-11-06T08:10:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693096827161-Apa-perbedaan-flow-Autodebit-lama-dan-baru</loc>
  <lastmod>2024-11-06T08:13:38Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693166723865-Apakah-fitur-Autodebit-ini-berlaku-hanya-untuk-mitra-baru-saja</loc>
  <lastmod>2024-11-06T08:14:41Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693215487641-Bagaimana-mekanisme-Fitur-Autodebit-yang-baru</loc>
  <lastmod>2024-11-06T08:15:51Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693275158937-Apakah-pembayaran-melalui-Fitur-Autodebit-Poket-dapat-dilakukan-secara-partial-sebagian</loc>
  <lastmod>2024-11-06T08:16:55Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693340877593-Apakah-mekanisme-baru-Fitur-Autodebit-sudah-berlaku-secara-nasional</loc>
  <lastmod>2024-11-06T08:19:23Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693341687961-Apa-yang-terjadi-jika-mitra-memiliki-tagihan-lebih-dari-satu-kali-angsuran</loc>
  <lastmod>2024-11-06T08:18:08Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693467364121-Apa-yang-harus-dilakukan-jika-Fitur-Autodebit-mitra-tidak-aktif</loc>
  <lastmod>2025-01-16T09:19:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39693497123481--Bagaimana-jika-mitra-sudah-berhasil-ter-Autodebit-tetapi-belum-ter-update-label-Poket-di-aplikasi-Apartner</loc>
  <lastmod>2025-01-16T09:20:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/39997521432729-Cara-melakukan-transaksi-di-AmarthaFin</loc>
  <lastmod>2024-11-14T06:30:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/40143332757785-Ini-Cara-Penarikan-Saldo-Poket-di-AmarthaFin</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41071381359257-Peningkatan-Kualitas-Fitur-Celengan-Pintar</loc>
  <lastmod>2024-12-13T02:38:45Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072300458265-Mengapa-saya-harus-download-aplikasi-baru-yaitu-AmarthaFin-Mengapa-tidak-pakai-aplikasi-yang-sudah-ada-saja</loc>
  <lastmod>2025-02-10T10:22:40Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072414732057-Mengapa-return-di-AmarthaFin-lebih-rendah-Tidak-seperti-di-marketplace</loc>
  <lastmod>2025-02-10T10:21:11Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072479133337-Apakah-dengan-mendownload-AmarthaFin-portofolio-saya-di-Marketplace-langsung-terintegrasi</loc>
  <lastmod>2025-02-10T10:20:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072547349401-Apakah-layanan-AmarthaFin-ini-legal-dan-berizin-OJK</loc>
  <lastmod>2025-02-10T10:19:18Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072616946841-Apa-benar-Amartha-mengalami-kesulitan-finansial-sehingga-membuat-produk-yang-return-nya-lebih-kecil</loc>
  <lastmod>2024-12-12T02:49:58Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072645486361-Apakah-nantinya-aplikasi-Pendana-sudah-tidak-dapat-digunakan-sama-sekali</loc>
  <lastmod>2025-02-10T10:16:53Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072750673049-Bagaimana-cara-melakukan-pendanaan-investasi-di-aplikasi-AmarthaFIN</loc>
  <lastmod>2025-01-03T10:55:48Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41072816389017-Bagaimana-cara-melihat-portofolio-pendanaan-investasi-di-aplikasi-AmarthaFIN</loc>
  <lastmod>2025-11-24T03:26:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/41086882226841-Tahun-Baru-Aplikasi-Baru-Semua-Serba-Bisa-dengan-AmarthaFin</loc>
  <lastmod>2025-07-04T03:57:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/44604252365593-Bagaimana-cara-log-in-pada-aplikasi-A-Partners</loc>
  <lastmod>2025-06-10T03:08:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/44605989485081-Bagaimana-ubah-password-secara-mandiri-pada-aplikasi-A-Partners</loc>
  <lastmod>2025-05-27T07:27:51Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/44607191044505-Jika-ada-kendala-Login-A-Partners-Saya-harus-bagaimana</loc>
  <lastmod>2025-05-27T07:27:36Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46001660334361-Bagaimana-cara-menemukan-AmarthaLink-terdekat</loc>
  <lastmod>2025-06-18T08:39:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46001736151193-Bagaimana-cara-memperbarui-lokasi-usaha-bagi-Agen-AmarthaLink</loc>
  <lastmod>2025-11-19T11:39:20Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46001780296601-Bagaimana-cara-memperbarui-lokasi-usaha-yang-sebelumnya-ditolak-bagi-Agen-AmarthaLink</loc>
  <lastmod>2025-11-24T03:25:46Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46043406506521-Bagaimana-cara-pembayaran-tagihan-Telkomsel-Smartpay</loc>
  <lastmod>2025-11-24T03:25:24Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46295723493657-Poket-Premium</loc>
  <lastmod>2025-04-29T09:24:56Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46295796442521-Limit-Saldo-Poket-dan-Limit-Transaksi</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46295828532505-Mengalami-Kendala-Terkait-Amartha-Poket</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46295969674649-Apa-itu-Poket</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46296046965913-Poket-Amartha</loc>
  <lastmod>2026-03-10T13:47:06Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46296089131289-Apa-itu-Limit-Saldo-dan-Limit-Transaksi-Poket-per-Bulan</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46296162007321-Poket-Investor</loc>
  <lastmod>2025-04-28T13:19:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866796931993-Bagaimana-cara-mendapatkan-penawaran-Modal-Mitra-Baru</loc>
  <lastmod>2026-03-08T08:15:24Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866853909529-Bagaimana-cara-pengajuan-Amartha-Modal-Mitra-Baru-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T10:41:55Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866857043609-Apa-saja-syarat-cara-pengajuan-Amartha-Modal-Mitra-Baru-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T10:41:31Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866867747865-Apakah-Modal-Mitra-Baru-akan-ditawarkan-untuk-semua-Customer</loc>
  <lastmod>2026-01-13T10:42:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866876063129-Verifikasi-apa-saja-yang-dilakukan-dalam-proses-pengajuan-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T09:18:54Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866895657369-Siapa-saja-Customer-yang-dapat-pengajuan-Amartha-Modal-Mitra-Baru-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T10:41:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866897976345-Dokumen-apa-saja-yang-dapat-digunakan-untuk-pengajuan-Amartha-Modal-Mitra-Baru-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T09:19:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866916758041-Apakah-perlu-melakukan-pendaftaran-terlebih-dahulu-untuk-pengajuan-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T10:26:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866954519321-Bagaimana-cara-melakukan-pencairan-Amartha-Modal-Mitra-Baru-di-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T09:20:12Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46866991716377-Berapa-lama-proses-pencairan-Amartha-Modal-Mitra-Baru-di-Aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T08:49:18Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867002654105-Berapa-minimal-limit-pencairan-untuk-Amartha-Modal-Mitra-Baru-di-Aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T08:48:43Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867015327001-Berapa-lama-proses-pengajuan-dan-pencairan-untuk-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T08:50:59Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867028334233-Berapa-lama-proses-pengajuan-Amartha-Modal-Mitra-Baru-di-Aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T08:50:23Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867047390105-Berapa-lama-tenor-untuk-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T08:51:31Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867054711449-Bagaimana-cara-melakukan-pembayaran-untuk-tagihan-Amartha-Modal-Mitra-Baru-di-Aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-14T03:03:23Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867064000281-Bagaimana-cara-melihat-nominal-tagihan-untuk-Amartha-Modal-Mitra-Baru-di-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T09:30:09Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867106981017-Apakah-dapat-melakukan-pembatalan-untuk-pengajuan-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T08:55:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867119686809-Apakah-Saya-masih-dapat-melakukan-pengajuan-pembiayaan-lewat-petugas-lapangan-jika-sudah-memiliki-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T09:00:44Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867124110873-Apa-yang-akan-terjadi-jika-terlambat-melakukan-pembayaran-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T09:16:19Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/46867153271193-Apakah-bisa-dilakukan-pelunasan-dini-untuk-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T09:17:09Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47214013017241-Siapa-saja-yang-bisa-mendaftar-akun-Poket</loc>
  <lastmod>2025-05-22T04:21:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47216984638617-Berapa-nominal-top-up-minimal-di-Poket-by-Amartha</loc>
  <lastmod>2025-05-22T04:21:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47217090781337-Bagaimana-jika-saldo-Poket-Saya-tidak-bertambah-setelah-melakukan-top-up</loc>
  <lastmod>2026-03-26T11:18:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47217126946585-Apakah-ada-biaya-admin-untuk-setiap-kali-melakukan-top-up-Poket</loc>
  <lastmod>2026-03-26T11:23:06Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47217275240857-Berapa-lama-waktu-verifikasi-Upgrade-Premium-Account</loc>
  <lastmod>2025-05-22T04:27:48Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47217400442009-Bagaimana-jika-verifikasi-Upgrade-Premium-Account-Saya-ditolak</loc>
  <lastmod>2025-05-22T04:29:18Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47217621639065-Bagaimana-cara-melakukan-transfer-Poket-ke-akun-Poket-lain</loc>
  <lastmod>2025-05-22T04:33:54Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47217630248217-Berapa-nominal-minimum-untuk-transfer-Poket-ke-akun-lain</loc>
  <lastmod>2025-05-22T04:35:06Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/47217685274265-Berapa-lama-waktu-transfer-Poket-ke-bank-berhasil-diproses</loc>
  <lastmod>2025-07-04T10:15:30Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/50280417109913-Bagaimana-cara-melakukan-transfer-saldo-Poket-ke-rekening-Bank</loc>
  <lastmod>2025-08-31T15:52:48Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/50280451157913-Bagaimana-cara-melakukan-transfer-poket-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2025-08-31T15:56:21Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/50280506924313-Bagaimana-cara-melakukan-transaksi-pembelian-produk-digital-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2025-08-31T15:59:29Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/50280518552729-Bagaimana-cara-melakukan-transaksi-pembayaran-tagihan-produk-digital-dari-aplikasi-AmarthaFin</loc>
  <lastmod>2025-08-31T16:02:16Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/52162696051609-Apa-saja-syarat-pengajuan-Amartha-Modal</loc>
  <lastmod>2025-12-30T06:47:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/52737161090329-Apa-itu-Grassroot-Growth-Fund-GGF</loc>
  <lastmod>2025-11-25T03:33:52Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/52737218324633-Apa-perbedaan-Celengan-dan-Grassroot-Growth-Fund-GGF</loc>
  <lastmod>2025-11-25T03:53:16Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/52737319195673-Apa-saja-tahapan-yang-perlu-dilakukan-sebelum-investasi-Grassroot-Growth-Fund-GGF</loc>
  <lastmod>2025-11-25T03:53:05Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/52737395864601-Fitur-apa-saja-yang-ada-di-AmarthaFin-terkait-Grassroot-Growth-Fund-GGF</loc>
  <lastmod>2025-11-25T03:52:53Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/52737476524569-Siapa-saja-yang-bisa-menggunakan-Grassroot-Growth-Fund-GGF</loc>
  <lastmod>2025-12-06T15:58:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/53000297017625-Bagaimana-cara-tutup-akun-di-aplikasi-AmarthaFIN</loc>
  <lastmod>2025-12-03T11:00:35Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/53252324191769-Bagaimana-cara-mengetahui-jumlah-aset-celengan</loc>
  <lastmod>2025-12-11T10:12:56Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/53421157206041-Cara-Perubahan-Nomor-HP-via-menu-Profile-di-Aplikasi-AmarthaFIN</loc>
  <lastmod>2025-12-17T02:14:54Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/53422325845273-Cara-Perubahan-Nomor-HP-tanpa-Login-ke-Aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-22T09:01:32Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54197473458329-Bagaimana-pendaftaran-Amartha-Modal</loc>
  <lastmod>2026-01-13T10:45:06Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54197867430425-Mengapa-Pencairan-Limit-Amartha-Modal-Terhenti-di-Tahap-Verifikasi-Data</loc>
  <lastmod>2026-01-13T10:46:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54197911333273-Cara-Cek-Jumlah-Pinjaman-Pembayaran-Selain-dari-Menu-Pinjaman</loc>
  <lastmod>2026-01-13T10:46:36Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54197915058841-Apakah-customer-yang-memiliki-paylater-telkomsel-smartpay-dapat-pengajuan-Amartha-Modal</loc>
  <lastmod>2026-01-13T10:47:00Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54198391326617-Apa-itu-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T10:50:26Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54198751029657-Bagaimana-cara-melengkapi-dokumen-di-aplikasi-AmarthaFin-ketika-sedang-melakukan-proses-pengajuan-Amartha-Modal-Baru</loc>
  <lastmod>2026-01-13T09:28:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54198958613401-Bagaimana-cara-melihat-histori-pembayaran-untuk-Amartha-Modal-Mitra-Baru-di-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-13T09:29:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54199155376409-Jika-dilakukan-perubahan-data-di-akun-yang-terdaftar-pada-aplikasi-AmarthaFin-apakah-akan-berdampak-pada-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-13T09:00:15Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54220384106393-Apa-itu-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-01-14T02:46:56Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54220439760281-Apa-perbedaannya-dengan-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-01-14T02:47:56Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54220723643033-Apakah-Modal-Mitra-Lanjutan-akan-ditawarkan-untuk-semua-Mitra</loc>
  <lastmod>2026-01-14T02:59:49Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54220778503577-Bagaimana-cara-melakukan-pendaftaran-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-01-14T02:58:39Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221052485273-Bagaimana-cara-melakukan-pencairan-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-01-14T03:05:05Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221070672153-Bagaimana-cara-melakukan-pembayaran-angsuran-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-01-14T03:06:27Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221220887449-Berapa-lama-proses-pencairan-Amartha-Modal-Mitra-Lanjutan-di-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-14T03:09:42Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221255795993-Berapa-lama-proses-pengajuan-Amartha-Modal-Mitra-Lanjutan-di-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-14T03:11:14Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221268002841-Berapa-lama-proses-pengajuan-dan-pencairan-untuk-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-01-14T03:11:57Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221272585753-Berapa-lama-tenor-untuk-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-01-14T03:12:37Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221356964633-Bagaimana-cara-melakukan-pembayaran-untuk-tagihan-Amartha-Modal-Mitra-Lanjutan-di-Aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-14T03:14:16Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221369031961-Bagaimana-cara-melihat-histori-pembayaran-untuk-Amartha-Modal-Mitra-Lanjutan-di-aplikasi-AmarthaFin</loc>
  <lastmod>2026-02-24T08:11:25Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54221416482201-Bagaimana-cara-melihat-nominal-tagihan-untuk-Amartha-Modal-Mitra-Lanjutan-di-aplikasi-AmarthaFin</loc>
  <lastmod>2026-01-14T03:15:55Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/54222217660953-Apakah-dapat-melakukan-pembatalan-untuk-pengajuan-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-01-14T03:39:51Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/articles/56370667533593-Syarat-Dan-Ketentuan-Perubahan-Layanan</loc>
  <lastmod>2026-03-26T11:09:29Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084247146393-Promo-Amartha</loc>
  <lastmod>2025-11-24T03:25:24Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084289130393-Amartha-Poket</loc>
  <lastmod>2026-04-01T16:01:03Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084322936473-AmarthaFin</loc>
  <lastmod>2026-03-10T13:51:02Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084331824793-AmarthaLink</loc>
  <lastmod>2025-12-01T14:19:10Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084369330969-Potongan-Pajak-PPh-23</loc>
  <lastmod>2025-04-05T08:42:01Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084421565337-Buku-Angsuran-Digital</loc>
  <lastmod>2025-12-30T07:20:43Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084441188505-Crowdfunding</loc>
  <lastmod>2024-04-28T16:02:45Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084516137369-Pendana</loc>
  <lastmod>2025-12-02T11:00:28Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084545199001-Umum</loc>
  <lastmod>2024-08-22T06:40:45Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084564822681-Penerima-Pinjaman</loc>
  <lastmod>2026-03-31T20:30:01Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084602374041-Virtual-Account</loc>
  <lastmod>2025-07-15T11:17:30Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/30084636673305-Amartha-Celengan</loc>
  <lastmod>2026-03-05T18:48:17Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/31722882545049-Poket-by-Amartha</loc>
  <lastmod>2026-04-01T16:02:25Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/38907392664601-Amartha-Modal</loc>
  <lastmod>2026-01-21T02:17:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/39692811683097-Petugas-Lapangan</loc>
  <lastmod>2025-06-10T03:08:07Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/54198013137177-Amartha-Modal-Mitra-Baru</loc>
  <lastmod>2026-03-08T08:15:24Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/sections/54220269529881-Amartha-Modal-Mitra-Lanjutan</loc>
  <lastmod>2026-02-24T08:11:25Z</lastmod>
</url>
<url>
  <loc>https://faq.amartha.com/hc/en-us/categories/30084176185625-Help-Center</loc>
  <lastmod>2026-04-01T16:02:25Z</lastmod>
</url>
</urlset>
