Today today without capital is an unacceptable basis for people who desire to run a business and grow an enterprise. There are several methods of entrepreneurs including SMEs to acquire capital. For those of you who are still reluctant to make application for a mortgage with interest and sophisticated terms, you will find alternatives which can be the right path into success, with peer to peer lending or P2P lending. This new financial technology platform connects directly relating to the lender (investor) as well as the borrower (borrower) from the peer to peer lending platform.
The bonus for investors is they can provide business loans to really qualified borrowers, whereas for borrowers the bonus is to get a dependable investor because to participate the woking platform, the woking platform company will perform the information filtering first to discover its credibility. Because of the easy to use platform available, can peer to look lending be a choice in investment looking for capital in the future of Indonesia later on?
Advantages P2P Lending for Investors
Exactly what is the first thing that lenders see before giving loan investments to entrepreneurs who apply? Obviously may be the prospect from the progression of the business whether it can become profitable or otherwise not. Not infrequently investors neglect to issue loan funds as they are less at ease the credibility with the borrower. But with the lending marketplace or Pinjaman Online, investors might be much more confident in investing because borrowers who have joined this marketplace may be filtered before. Other features of joining P2P lending platforms for example SOFIS include:
The entire process of investment is quicker and easier.
You can now participate becoming a borrower of sometimes a company, an entrepreneur, or perhaps an one that has more funds to channel to entrepreneurs who want funds. Issues previously invested along with other forms, lending through P2P lending can be a strategy to diversify your investment for risk sharing. Investors can take advantage of a higher return value in comparison with channeling investment funds through lending banks.
Advantages of P2P Lending for borrowers
If you are a entrepreneur, when planning to apply for SME loan something that turn into a consideration will be the interest rate rates set by finance institutions that supply credit facilities. So but in addition those who need to make an application for loans for private needs like employee loans in order to fund children’s education. So the main good thing about joining SOFIS like a P2P lending platform is the interest rate is less than that set by other credit finance institutions.
In addition, there are many advantages that can be enjoyed by borrower include:
1. A much easier loan application process with simpler terms than looking for credit with a bank or other financial institution.
2. SOFIS provides loans to folks as well as business loans. Individual loans can be employed for home remodeling, bank card payment loans, employee loans, and micro loans. While unsecured loans, SOFIS serves business capital, receivable financing (max. As much as IDR 250 million), and contract financing (max. Around IDR 1 billion).
3. SOFIS supplies a a low interest rate rate and it is adjusted in line with the borrower’s risk assessment. The borrower is going to be classified in loan grade beginning with A1-C3 to discover the amount of interest to be borne.
Going through the various benefits that may be obtained because of investors or for borrowers, of course P2P Lending platform like https://sofis.id can make adjustments to the dynamics of monetary services in Indonesia. Now individuals and firms which need funds can with less effort get investors who trust the intention of lending, and investors produce ways to invest or channel funds to the more needy. With easy loan way, naturally may help in improving prosperity of Indonesian community.
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