5 Recommendations for Safe Sharia P2P Lending Applications for Business Capital Sources

P2P lending is one of the gateways for people who need additional capital, which is easy and the process is faster than loan to the bank. As a payment within a certain period of time you must return the borrowed money plus the agreed additional fees.

For you Muslims, you also don't need to be afraid and worried to try funding from this P2P system, because P2P already has a sharia system. In the sharia system, the interest that must be paid by the person who asks the owner of the name is changed to the profit sharing that was previously agreed upon after the contract was executed.

For those of you who want to know more or try this P2P, there are several applications that can be a place where P2P occurs. The application has implemented a sharia basis and is also registered with the OJK. The following is a sharia P2P application and is registered with the OJK.

ethic

ethic is one of the sharia-based P2P lending applications that has been registered with the OJK. Ethis focuses on providing financing in the infrastructure, property and real estate sectors. The company's target is that the financing disbursed to projects can have a large-scale social impact.

Individuals or project owners can apply for financing funds by attaching personal data and a permit letter. The value of the financing provided varies, depending on the repayment period and the value of the project, plus the profit margin that will be obtained from the financier.

The advantage of Ethis Syariah is that it does not provide debt and also financing. However, to prevent operational delays, Ethis will hold a guarantee from the developer.

Experience Sharia

This peer to peer sharia offers funding to investors with contracts based on the MUI fatwa. The criteria for borrowing are a company in the form of a PT, CV, or Foundation whose operational activities will not conflict with Islamic law.

In addition, the company must be established for more than one year and be willing to report current accounts and financial statements for the last six months. Alami Sharia can only be submitted by a company located in the Greater Jakarta area and has a guarantee.

investree

Board of Directors Investree / Investree

Investree is a pioneer of P2P in Indonesia. In addition to having conventional-based P2P, Investree also provides sharia-based offerings.

The loans offered focus on financing for working capital or current bills. Investree will provide loans that are used for business capital, and cannot be used for consumptive needs.

Investree will monitor the company's invoices as collateral and also maintain sharia principles. Investree will also ask for a reverse demand deposit and a personal guarantee from the borrower in addition.

Ammana.id

Operating since March 2018, Ammana claims that they are the first sharia-based P2P lending in Indonesia and registered with the OJK. Amman Aini focuses on funding in the MSME sector.

Sharia Fund

This application has permission from the OJK as a sharia-based P2P. Currently, Sharia funds can only carry out property-specific financing or loans. Things that can be funded by this application are infrastructure, land or units sold, to buying and selling houses.