Victor Darmadi is a co-founder of JULO, a fintech company based in Jakarta that offers digital lending and credit scoring. Adrianus Hitijahubessy is its CEO, and Hans Sebastian is the third co-founder.
JULO's first outside money was a seed round led by Skystar Capital, with East Ventures. In 2022 it raised an $80 million Series B from Credit Saison.
In July 2026 JULO raised $5 million from its existing investors. The company competes in Indonesia's crowded digital lending market.