P2P Lending Summary and Its Influence for future years of Indonesia

Today today without capital is surely an unacceptable reason for those that desire to manage a business and to grow a business. There are lots of methods of entrepreneurs including SMEs to have capital. For those of you who are still hesitant to apply for a financial loan with interest and complicated terms, you will find alternatives that could be the right path into success, with peer to peer lending or P2P lending. This new financial technology platform connects directly involving the lender (investor) as well as the borrower (borrower) through the peer to see lending platform.


The advantage for investors is that they can provide commercial loans to truly qualified borrowers, whereas for borrowers the power is to get a reliable investor because to join the woking platform, the platform company is going to do the info filtering first to determine its credibility. Because of the user friendly platform available, can peer to see lending be an alternative in investment and looking for capital in the future of Indonesia in the future?

Advantages P2P Lending for Investors

What’s the first thing that lenders see before giving loan investments to entrepreneurs who apply? Of course could be the prospect of the progression of the organization whether or not this can become profitable or not. Not infrequently investors don’t issue loan funds because they are less at ease with the credibility of the borrower. But over the lending marketplace or SOFIS, investors could be more confident in investing because borrowers that have joined this marketplace may be filtered before. Other advantages of joining P2P lending platforms including SOFIS include:

The operation of investment is faster and much easier.
You can now participate to be a borrower of whether company, a business person, or perhaps one that has more funds to channel to entrepreneurs who require funds. If you have previously invested with forms, lending through P2P lending could be a way to diversify forget about the for risk sharing. Investors can begin to play a higher return value weighed against channeling investment funds through lending banks.

Attributes of P2P Lending for borrowers

If you are an entrepreneur, when likely to make an application for SME loan one of the things that turned into a consideration could be the interest rates set by banking institutions that supply credit facilities. So furthermore individuals who need to sign up for loans web hosting needs for example employee loans or fund children’s education. Hence the main benefit of joining SOFIS as being a P2P lending platform would be that the monthly interest is leaner than that set by other credit banking companies.

In addition, there are many advantages which can be enjoyed by borrower include:
1. A much easier cash loan application with simpler terms than obtaining credit with a bank or any other standard bank.
2. SOFIS provides loans to folks along with commercial loans. Individual loans can be employed for home remodeling, charge card payment loans, employee loans, and micro loans. While unsecured loans, SOFIS serves business capital, receivable financing (max. Approximately IDR 250 million), and contract financing (max. As much as IDR 1 billion).
3. SOFIS provides a low interest rate and it is adjusted in line with the borrower’s risk assessment. The borrower will be classified in loan grade beginning with A1-C3 to determine the interest to be borne.

Studying the various benefits that could be obtained because of investors or for borrowers, needless to say P2P Lending platform like https://sofis.id will make alterations in the dynamics of financial services in Indonesia. Now individuals and firms that want funds can more easily get investors who go along with the purpose of lending, and investors produce other solutions to invest or channel funds to the more needy. With easy loan way, obviously might help in improving prosperity of Indonesian community.
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