This article published in Kompas, April 10th, 2021, page 13.

The recent development of financial technology opens up another investment options. Some investors may have built portfolios through peer-to-peer lending, now there are crowdfunding that offer investors a chance to take a profit and at the same time, helping a SME (small and medium) business to develop.

Crowdfunding allows people to raise funds to finance a business. For example, investor can crowdfund a business of boarding house or other property. They will get a share of the profit that depends on the performance of the funded companies. In general, this profit ratio can be higher that deposit interest. On the other hand, crowdfunding offers a chance for SME businesses to get funded, way more easy compared to applying for credit from banks or other financial institutions.

Crowdfund could be a new trend in Indonesia this year. OJK has issued a new regulation that could be a catalyst for the industry development. The regulation offers another option of fund raises. According on previous regulation, the issuing company can only raise funds in the form of capital share. Now with the new regulation, company can offer securities such as bonds or sukuk (sharia bonds). Lanjutkan membaca →