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印尼金融科技P2P贷款与银行的合作日益活跃!|出海印尼现金贷岛群第212期

2020-01-18 16:22:14

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Investree销售和业务总监Salman Baharudin表示,这种合作是BRI Agro作为Investree的贷方机构的方式,它看起来像通过Investree平台进行渠道交易一样。

 

Salman在星期四(9/1)接受Kontan.co.id采访时说:“业务模式存在相似之处,因此将来它可以扩大BRI Agro业务或Investree可以向BRI Agro提供的与其他MSME相关的其他行业的客户覆盖范围。” 。

 

萨尔曼说:“当然,我们可以吸引到更多的客户或企业家。”

 

在这种合作中,当然要在分配数量和债务人数量上实现内部目标。但是,没有提及该量。在这种协作中,时间段不确定或不确定。

 

与世行的合作趋势被认为是相当不错的,特别是在准合作伙伴方面,尽管最初在两方之间进行了探索。

 

但是随着Investree的发行额累计达到4万亿印尼盾,它成为吸引银行的资本。萨尔曼解释说:“目前,它仍处于探索其他银行的阶段。”

 

通过这种伙伴关系,BRI Agro在初始阶段为与Investree的合作计划提供了1000亿印尼盾的资金。

 

预计这种合作还将加快Investree在向最终用户提供贷款方面的绩效。

 

此前,Investree与Bank Mandiri和Bank BRI合作。

 

来自Investree的公司投资者共有10名,其中包括银行,多金融公司和国外投资者。

 

PT Mitrausaha Indonesia Group或Modalku目前正在与PT BPR Varia Centralartha(Bank Varia),PT Bank Sinarmas Tbk,PT BPR Bekasi Binatanjung Makmur(BPR BBTM)和PT BPR Sukawati Pancakanti(BPR Kanti)合作。

 

Modalku联合创始人兼首席执行官雷诺德·维贾亚(Reynold Wijaya)表示,合作的形式是与BPR共同资助,其中一些金融机构共同为MSME贷款提供资金。

 

当借款人提出的贷款额太大而无法由一家银行或一家金融机构提供资金时,将实施这种融资系统。

 

“ Modalku向希望获得商业资金的各种商业行业开放。当然,当业务组合良好并具有增长潜力时,Modalku将尽力为他们提供支持。” Reynold说。

 

雷诺认为,潜力很大,因为通过与银行等金融机构的金融科技合作可以补充银行提供的服务。

 

这项合作使Modalku可以吸引更多用户,而不仅限于Modalku的运营区域。

 

雷诺德解释说:“我们认为业务流程再造者对他们在业务领域的特征和需求更加熟悉。”

 

利息金额是根据每个企业的历史记录和风险水平给出的。

 

PT Akseleran印度尼西亚金融普惠公司(Akseleran)也有兴趣邀请银行加入。 Akseleran首席执行官兼联合创始人Ivan Nikolas Tambunan表示,Akseleran已与银行在虚拟帐户和托管帐户服务方面建立了合作。

 

对于虚拟帐户,涉及银行Permata,银行Mandiri,BCA,CIMB Niaga,BNI和BRI。同时,与Bank Mandiri J Trust Bank合作。

 

伊万说:“他们通过加速平台向债务人提供了贷款,分配额达到了1000亿印尼盾。”



Fintech p2p lending is increasingly aggressively collaborating with banks

Director of Sales and Business Investree Salman Baharudin said, this collaboration is how BRI Agro as a lender institution for Investree that looks like channeling through the Investree platform is offered as a market place.

 

"There is a similarity in business models so that in the future it can expand customer coverage both from BRI Agro business or other sectors related to other MSMEs that can be offered by Investree to BRI Agro," Salman told Kontan.co.id, Thursday (9/1) .

 

"Surely there will be more customers or entrepreneurs that we can reach," said Salman.

 

In this collaboration, of course there are internal targets to be achieved both in the amount of distribution and debtors. However, the amount is not mentioned. In this collaboration, the time period is not determined or flexible.

 

The trend of cooperation with the Bank was considered quite good, especially on prospective partners, although initially exploring each other between the two parties.

 

But with the distribution from Investree which accumulated to reach Rp 4 trillion, it became capital to attract the Bank. "At present it is still in the stage of exploring other banks," Salman explained.

 

Through this partnership, at the initial stage BRI Agro provided funds of Rp 100 billion for the cooperation program with Investree.

 

This collaboration is also expected to accelerate Investree's performance acceleration in channeling loans to end users.

 

Previously, Investree had collaborated with Bank Mandiri and Bank BRI.

 

A total of 10 corporate investors from Investree, consisting of banks, multifinance, and investors from abroad.

 

PT Mitrausaha Indonesia Group or Modalku is currently working with Banks, namely PT BPR Varia Centralartha (Bank Varia), PT Bank Sinarmas Tbk, PT BPR Bekasi Binatanjung Makmur (BPR BBTM), and PT BPR Sukawati Pancakanti (BPR Kanti).

 

Modalku Co-Founder and CEO Reynold Wijaya said, the form of cooperation carried out was joint funding with BPRs in which several financial institutions collectively fund MSME loans.

 

This funding system is implemented when the loan value proposed by the borrower is too large to be financed by one bank or one financial institution.

 

"Modalku is open to a variety of business industries that want to get business funding. Of course, when the business portfolio is good and has the potential to grow, Modalku will try its best to support them," said Reynold.

 

According to Reynold, the potential is quite good because through fintech collaboration with financial institutions such as banks can complement the services provided by banks.

 

This collaboration has enabled Modalku to reach more users, not limited to Modalku's operational areas.

 

"We believe that BPRs are more familiar with the characteristics and needs of the people in their operational areas," Reynold explained.

 

The amount of interest is given according to the history and risk level of each business.

 

PT Akseleran Financial Inclusive Indonesia (Akseleran) is also interested in inviting banks to join. Akseleran CEO and Co-Founder Ivan Nikolas Tambunan said, Akseleran has collaborated with banks on virtual accounts and escrow accounts.

 

For virtual accounts, Bank Permata, Bank Mandiri, BCA, CIMB Niaga, BNI and BRI are involved. Meanwhile, channeling works with Bank Mandiri J Trust Bank.

 

"They channeled loans to debtors through the Acceleration platform and the amount of the distribution reached Rp 100 billion," said Ivan.

 



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