I for one hope Kinerjapay gets their act together. As far as the reviews go, the number is insignificant and none have commented on the lending process except for the 1 star review who was rejected.
Most all the positive reviews, all 5's, came out on the same day, Feb 3rd. A couple before and after within 1 week of Feb 3rd ,also all 5's That is sketchy by itself.
All 2 reviews after that, 2/15, 2.18 were negative. One of the negative reviews specifically pointed out that the previous reviewers were KFUND employees.
Plus, no reviews since AND not 1 review mentioning any loans being made or taken out.
I tried to download the app, but none of my cell phones were supported.
I think Edwin is treading water at this point.