Modernizing Micro Finance Through Advance Technology

Apa itu Peer to Peer Lending?

Peer to peer lending (P2P) adalah platform pinjam-meminjam uang secara online. Melalui platform online transparansi dan keterbukaan informasi dapat membuat akses terhadap permodalan menjadi lebih mudah dan terjangkau. Peminjam dengan keterbatasan akses bisa mendapatkan kemudahan proses dan rate yang terjangkau. Disisi lain, pendana dapat memperoleh alternatif investasi yang lebih menguntungkan dibanding instrumen investasi konvensional.

 

Amartha adalah pionir P2P lending untuk masyarakat unbanked. Kami menghubungkan pengusaha mikro di pedesaan yang membutuhkan modal kerja sekitar Rp 3 jutaan dengan pendana perorangan yang tertarik mendapat keuntungan finansial serta memberikan dampak sosial. Kami menjembatani mitra yang mengajukan pembiayaan untuk membuka warung sembako atau mengembangkan usaha produksi tahu skala rumahan. Jumlah pembiayaan yang mereka ajukan mungkin terlihat kecil, namun dengan pendekatan yang tepat, kami percaya nilai tersebut dapat menjadi peluang ekonomi untuk meningkatkan kesejahteraan.

 

Kami percaya platform marketplace online seperti P2P memiliki kekuatan untuk menjembatani pertumbuhan ekonomi yang lebih inklusif serta mendorong pemerataan ekonomi di Indonesia.

What is Peer to Peer Lending?

Peer to peer lending (P2P) is an online borrowing and lending platform. Facilitated by an online platform, transparency and information disclosure, the access to get financing will be more convenient and affordable. Therefore, the borrowers with limited access can get funding capital easier in a better rate. And on the other hand, financiers can obtain a more profitable investment alternative compared to the any conventional investment instruments.

 

Amartha is a pioneer of P2P lending for the unbanked community. We connect micro-entrepreneurs in the remote areas with individual investors who are interested in making financial profit while at the same time providing social impact. We acted as a bridge for our borrowers who wants to open daily goods stalls, or home scale industries such as tofu production. Their financing needs maybe in small amounts, but with the right approach we believe that this value will turn into economic opportunity to improve their welfare.

 

We ensure that online marketplace platforms such as P2P have the power to connect more inclusive economic growth and promoting the economic equality in Indonesia.

Benefits for Lenders

Amartha displays the prospective borrowers’ profiles along with their credit scores to help the investors to calculate the risk before making a decision. In the contract, the investors know to whom and what purpose of the fund is for. Installment information is displayed online in the investors’ dashboard. The available yield is liquid so can be withdrawn at any time.

Benefits for Borrowers

Amartha’s reach remote areas that are untouched by conventional banking services and open opportunities for small and micro entrepreneurs to get easier funding access. Their financing history had been created based on credit score technology.  We expected these data will be used as reference in obtaining a bigger financing supports from the bank or other financial institutions someday in the future.

Advanced Credit Score Technology

We modernized the selection process of our borrowers with a credit score algorithm that is able to assess their feasibility comprehensively by combining behavioral, profile, and personality analysis.

Therefore the investors will be more comfortable in selecting potential borrowers to be funded that suits their profile and risk.

Dynamic Credit Score with Machine Learning Approach

Each profile of our borrower in our marketplace has a credit score indicator as described below:

Grade A indicates the borrower has the on time repayment and success rate of returns about 97.11% to 100% in probability. Then A- has 95-97% in probability and so on.

A better grade means having a higher probability in repayment with a lower risk of non-performing loans or default conditions.

Now funding is as easy as pressing the click of a button!

Register

Complete personal data such as phone number, identity card number (KTP), tax number (NPWP) and bank account number. Once your data is verified, you can start funding at Amartha.

Discover

Select potential borrowers that match your risk profile in our marketplace. You can even request to meet them in person during our field team weekly service.

Transfer

Every verified financier will obtain a Mandiri Virtual Account (VA) and BCA account, which make transactions more secure, transparent and accountable.

Daftar

Lengkapi data pribadi seperti nomor Kartu Tanda Penduduk (KTP) dan nomor rekening bank. Setelah data Anda terverifikasi, Anda bisa mulai mendanai di Amartha.

Telusuri

Pilih calon peminjam yang sesuai dengan pertimbangan risiko Anda di marketplace kami. Anda bisa juga bertemu mereka saat tim lapangan kami melakukan pelayanan mingguan.

Transfer

Setiap pemberi pinjaman yang terverifikasi akan memperoleh nomor Virtual Account (VA) Mandiri dan BCA, menjadikan transaksi lebih aman, tansparan, dan akuntabel.