cally alexandra - general manager of crowdo indonesia
TRANSCRIPT
Jakarta Business Network Luncheon
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Financing & Investing in Digital Era
What is Digital Era?
• The Digital Era is characterized by technology which increases the speed
and breadth of knowledge turnover within the economy and society.
• Speed = Time Efficiency
• Energy Saving
• Cost Saving
• Alternative Solution
• Specific Functionality
• New Business Opportunity
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Business transformation in Digital Era
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Transportation Transformation in Digital
Era
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Financial Services Transformation in
Digital Era
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Financing Transformation in Digital Era
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Introducing Peer to Business Lending
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BorrowerInvestor
Online Loan
Application
and
submission
of
Documents
Repayment + Interest
Dana Pinjaman
Credit assessment and loan information
CROWDO
Loan
Benefit 1 in financing thru P2B Lending – Simplicity of
Process
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Step 1
Apply loan thru
Website
(crowdo.co.id)
Step 2
Upload
Documents
Step 3
Submit your
Application
Deed of Establishment
Business License
ID Card
Financial Report
Bank Statement
Underlying Documents
2 Days Confirmation
processing
Benefit 2 in financing thru P2B Lending – Product
Variation
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Working
Order
Employee
Loan
Gold &
Gold
Jewellery
VehiclesInvoice &
AR
Fill standard
offer templates
Publish Online
Advertise via
social media
Access virtual
investor community
Reach $ targetGrow your
business
Smaller amounts of money from
many people to reach higher targets 10
Benefit 3 in financing thru P2B Lending – Less
Dependent
Investment Transformation in Digital Era
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Deposit / Tabungan Gold / Emas Stocks / Bonds / Saham
Fixed Assets / Aset Tetap Other precious items
Direct Investment in Real Business by
Your own choice
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….investing in private deals has been limited to
the top 1% of investors
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1. Access to deal flow of high quality private
investments is typically limited to professional
investors
2. Not everyone who has investable capital can
invest in private investment due to minimum
ticket size required
…and will be a game changer in the way
people can invest
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ON LINE
INVESTMENTS
Easily make bite sized
investments in high quality deals
to diversify portfolio
Easy centralized sourcing
platform with transparent due
diligence process
Co-invest with other investors
and diversify your portfolio
OFF LINE
INVESTMENTS
Need to network and to build up
reputation to access competitive
investments
Time consuming to find and
assess deal to invest in
Need extensive knowledge in
industry you are investing in
With P2B Lending you can earn a steady fixed
income while supporting local economy
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TYPEFIXED INCOME
Monthly Repayment Loans
PURPOSEBUSINESS LOAN
Working Capital Requirement / Project Financing
DURATIONSHORT TERM INVESTMENT
3 month to 12 months
What kind of returns can you expect?
P2B Loans offers competitive risk adjusted
returns to match your risk appetite
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GOLD
LOAN
13% - 15%
INVOICE
LOAN
20% - 25%
PROJECT
LOAN
25% - 30%
0%5%
10%15%20%25%30%
Inflation
3.02%
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Innovative credit score promotes inclusion
and offer unique investment opportunities
Traditional
Parameters
1. Demographics
2. Financials
3. Existing obligation
4. Transaction Data
Big Data
1. Location Data
2. Device Data
3. Online Footprint
4. Criminal History
Social Media Data
1. Online Activity
2. Social Graph
3. Peer Influence
4. Social Web Behavior
Psychometric Test
1. Assessing Intentions
2. Credit Assessment
What are the risks to private loan investing?
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Online investment
Reputable P2P
PlatformRepayment Risk
Solid cash flow to
repay the loan
Quality of the
Collateral
Easiness to sell the
asset
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Invest in loans
that match your
risk appetite
and/or diversify
your portfolio
Choose loans with
tenor you are
comfortable with and
that matches your
financial needs
If you don’t have
the expertise, invest
with experienced
investor who do
How to choose which loan to invest in?
CROWD
WISDOM
RISK /
RETURNHORIZON
Simple Investor Process
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STEP 1
Apply to become
an Investor
STEP 3
Invest in
selected Loans
STEP 2
Top up your
Account
Portfolio monitoring of your investment
performance in smart dashboard
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• Portfolio distribution
• Portfolio Performance
• Repayment history
• Cash-flow forecast
• Estimated return
Crowdo - Peer To Business Lending
Established: April 2012
Co-Founders: Reona Shimada, Nicola Castelnuovo
Local Company
Incorporation:Indonesia, Malaysia, Singapore,
Product Portfolio: P2P Lending (Indonesia, Malaysia, Singapore)
Equity Crowdfunding (Malaysia, Singapore)
Brand Name: Crowdo
License(s): SC Recognized Market Operator (MY); MAS Capital Market
Service License (SG); Financial Authority of Indonesia (OJK)
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Track Record: 3,500++ loans funded, investors from 70 countries
Peer To Business Lending give …..
Earn an additional income with steady cash flow repayment
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An alternative Asset Class to diversify your portfolio
An easy and always accessible way to invest
A way to earn ROI while supporting local economy
login @ crowdo.co.id
Simplicity of Loan process
Product Variation to support our business
Competitive pricing
Financing Solutions:
New way of Investment:
Case study:
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www.crowdo.co.id
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THANK YOU