JAKARTADAILY.ID – ALAMI, a sharia-based peer-to-peer lending financial technology company is expanding opportunities for financing cooperation with channeling and referral schemes with 165 Sharia People's Financing Banks (BPRS) operating in Indonesia.
This is done as an effort to accelerate productive financing for MSMEs that need access to capital but cannot be served by banks (not yet bankable).
CEO of ALAMI Group, Dima Djani said that the collaboration between ALAMI and BPRS is expected to be an opportunity for BPRS to channel financing to MSME actors in various sectors using the receivables financing (AR) method, Purchase Order (PO) Financing, as well as ecosystem financing, of course using sharia contracts.
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"This collaboration is expected to be able to suppress Non-Performing Financing (NPF) which is currently one of the challenges for BPRS. Based on OJK Islamic banking statistics (February 2022), the NPF of BPRS reached 7.27 percent," said Dima.
As sharia-based peer-to-peer lending, ALAMI carries out a very strict risk analysis process to select prospective financing recipients who are eligible to obtain funds for business capital. This has encouraged ALAMI to be able to maintain a qualified financing quality with TKB90 of 100 percent since its inception.
Dima added that all lines at ALAMI must have high-risk awareness. Therefore, we have a business team with professional competence and background in the financial industry. NATURAL's performance in channeling productive financing has increased despite the COVID-19 pandemic.
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Until June 2022, NATURAL's accumulated financing reached Rp 3 trillion for more than 10,000 financing projects. In addition to coming from all institutions and banks, the source of funds is also obtained from retail funders to date, with more than 100,000 users spread across 482 cities in Indonesia.
In synergizing with BPRS, to date, ALAMI has collaborated with 11 BPRS for financing with channeling and referral schemes with a total ceiling of Rp 108 billion. The financing is channeled to various industries including human resources, logistics, health, halal food, IT.
"We hope that NATURAL's synergy with BPRS is able to encourage the growth of MSMEs as the backbone of the national economy in the midst of an uncertain global economic situation," continued Dima.
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