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6 Benefits of Peer to Peer Financing for those of you who want to start investing
Published on 31 May 2022
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6 Benefits of Peer to Peer Financing for those of you who want to start investing
The awareness to start investing has now been felt by various groups. From young to old, from junior to senior, male and female, from those who are still actively working to those who have retired. In essence, everyone has the right to start investing in their own way and with their own goals.
Talking about starting an investment, there are lots of investment instruments that can be used. Everyone has their own choice, of course it is based on abilities, circumstances, situations, conditions and various other factors.
Each instrument also has its own advantages and disadvantages. And we as good novice investors must be able to understand every characteristic of these various types of investments.
Do not just because of our ignorance, even make us regret in making investment decisions in the future.
One type of investment that is widely known by the public today is Peer to Peer Financing (P2P Financing),
The Peer to Peer Financing system is one way of investing that uses a funding scheme, where P2P Financing will connect Investors (Fund Owners) with Partners (Fund Recipients). Usually this transaction is done online, through a website or application.
With P2P Financing, everyone can apply for funding to develop their business. On the other hand, P2P Financing opens up opportunities for the general public to provide them with funding, as a form of investment.
Of course this system will provide benefits to both parties. For borrowers, they will get additional funds to develop their business in an easier way.
As for lenders, of course this is an alternative investment that can be used as an option. Because with P2P Financing, lenders do not need to spend large funds to be able to invest. There are many P2P Financing that open investment opportunities, even with a small nominal.
This time, we will discuss some of the advantages of Peer to Peer Financing, especially for novice investors:
1. P2P Financing already has legal protection
As an investor, of course the trust and security of an instrument is one of the most important things.
Like other investments, P2P Financing has been officially supervised by the Financial Services Authority (OJK), as stated in OJK Regulation No.77/POJK.01/2016.
It's just a matter of how smart we are in choosing which fintech institutions/fintechs are registered and have a permit from the Financial Services Authority.
2. Easy
With P2P Financing, we can provide Funding very easily. Because usually P2P Financing uses a user-friendly website or application, without having to go through various long and complicated stages.
3. Relatively large Profit
The benefits obtained are also no less large compared to other investment instruments. so it can be more profitable. In fact, according to simulationcredit.com, the return rate for P2P Financing can reach 12% -36%, you know!
4. Cheap
Peer to peer Financing is one way of investing that is quite cheap, so it will be very easy for us to diversify our investments in order to reduce risk and maximize profits.
5. Supporting SME's
With P2P Financing, we wilsupport small businesses that really need funding. Especially during a pandemic like this, many small entrepreneurs are having trouble maintaining their business.
By investing using P2P Financing, we can choose where we will invest our money, while helping them expand the 'wings' of Indonesia's micro-economy.
6. Sharia compliant
Not only conventional P2P, now we can find several P2P Financing providers who implement systems according to the sharia concept. In practice P2P Financing is generally through contracts or agreements such as Mudharabah, Murabahah, and Musyarakah.
So, Interested in investing through P2P Financing?
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Notes:
1. Tech-based Islamic Financing service (P2P Financing) is a civil agreement between Funder and Beneficiary, in which all risks are charged to all parties.
2. Payment failure is charged to the Funder, except for fraud case and mismanagement. Beneficiaries are imposed if fraud and mismanagement happens as in Risk Sharing terms based on Islamic Principles. There is no national institution or authority that is responsible to financing risk or payment failure or compensating on any parties including loss, failures, fees or consequences after.
3. The platform with agreement from all respective users (funders and/or beneficiaries) accesses, gains, stores, manages and/or uses users’ personal data (Data Utilization) on or in the objects, electronic devices (including smartphones or cellular phones), hardwares or softwares, electronic documents, applications or electronic systems belong to Users or managed by Users, upon the information of aims, limitations and mechanism of Data Utilization to the Users before the approvals.
4. Funders with limited knowledge on this financing are suggested not to use this service.
5. Beneficiaries are obliged to consider return rates/margin/service fee and other fees according to the ability to repay the financing.
6. Each fraud is recorded electronically in cyberspace and easily recognized by public through social media.
7. Users should read and understand this information before deciding to be a Funder or Beneficiary.
8. Government as in this case is Otoritas Jasa Keuangan (OJK) / Financial Services Authority is not responsible for violation or disobedience of users, Funder and Beneficiary (intentionally or unintentionally) against terms and conditions or agreement or attachment between the platform and Funder and/or Beneficiary.
9. Each transaction and financing activities, funding, financing or enforcement agreement regarding financing between or involves the Platform, Funder, Field Partner and/or Beneficiary should happen through escrow account and virtual account as stated in OJK regulation No. 77/POJK.01/2016 about Tech-Based Financing Services.
