雅加达总部位于印度尼西亚的零售借款人数字信贷平台Kredivo,以及美国和澳大利亚风险债务公司Growth for V,LP(PFG)今日宣布关闭最高达2000万美元的债务线为印度尼西亚的Kredivo借款人提供贷款。
这笔交易标志着两家公司的一个重要里程碑:对于Kredivo来说,这是其历史上与海外(国际)贷方达成的最大交易;对于PFG来说,这是他们在亚太地区(APAC)最大的交易之一,也是他们在印度尼西亚的第一笔交易。
此交易的结束将有助于推动Kredivo在过去18个月中享有的发展势头,其交易价值和贷款额分别以每季度40%和35%的速度增长。
此外,Kredivo将利用这笔资金使其贷款账户多样化,目前主要是在国内发行。两家公司之间的合作关系以信贷额度的形式构建,Kredivo将能够按需提供高达2000万美元的债务。
印度尼西亚是亚洲信用度最高的国家之一,其人口中只有不到3%拥有信用卡,不到5%的人可以从银行获得无抵押信贷。
这种差距导致了数字贷款行业的增长,这填补了由于其他传统金融机构缺乏银行贷款而开辟的空白。尽管该行业主要受到点对点借贷模式的推动,但Kredivo和PFG之间的交易显然偏离了常态。
Kredivo Closes up to US$20m Credit Line with Partners for Growth
Jakarta-headquartered Kredivo, a digital credit platform for retail borrowers across Indonesia, and Partners for Growth V, L.P. (PFG), a venture debt firm in the U.S. and Australia, announced today the closing of a debt line of up to US$20m to fund loans for Kredivo’s borrowers in Indonesia.
The deal marks a major milestone for both firms: for Kredivo, it is the largest deal in its history with an offshore (international) lender; for PFG, this represents one of their largest deals in Asia Pacific (APAC) and their first in Indonesia.
The closing of this deal will help to fuel momentum that Kredivo has enjoyed in the past 18 months, where its transaction value and loan book have been growing at 40% and 35% per quarter, respectively.
In addition, Kredivo will use the funds to diversify its loan book, currently predominantly domestically originated. The partnership between the two firms is structured in the form of a credit line where Kredivo will be able to access up to US$20m of debt, on-demand.
Indonesia is one of the most credit-starved countries in Asia, with less than 3% of its population in possession of a credit card and less than 5% having access to unsecured credit from banks.
The gap has led to the growth of the digital lending industry, which is filling the gap opened up by the lack of lending from banks from other traditional financial institutions. While the industry is primarily fueled by peer-to-peer lending models, the deal between Kredivo and PFG represents a significant departure from the norm.