Have Any Questions?

Steps to make an addition to an already funded project:

1. Funding slots are still available
2. RDF balance is not less than the amount you want to add
3. Click the Portfolio or funding menu
4. Click the Funding that you want to add
5. Click the "Add Funding Amount" button.

The account verification process will take up to 24 hours on weekdays. After the account is verified, the Funder will get an email notification and the account can be used to make funding.

The repayment of funding along with the Return on the proceeds of funding for a project will be forwarded to the Funder's RDF.

Information regarding financing repayment is 1 day after the due date on a working day. If it is due on a Sunday or national holiday, information regarding the repayment of the financing will be forwarded on the next working day.

For a lumpsum return scheme, The returns that the Funder will receive are calculated based on the amount of funding, the percentage of returns, and the tenor of the project. The unit percentage of return stated on the term sheet is p.a. (per annum or per year).

Calculation simulation:
Return percentage / Ujrah = 15% p.a.
Tenor = 60 Days
Funding = IDR 10,000,000

Total returns before PPH: 15% x 60/360 (number of days in a year) x Rp 10,000,000,- = Rp 250,000,-
PPh23 = 15%
Return Tax = Rp. 37,500,-
Service Fee (Rate) : 1% p.a.
Amount Service Fee : Rp 16.666
PPN Service Fee : 11%
Amount PPN Service Fee : Rp 2.000

Return after deduction of income tax + service fee + VAT : IDR 194.000
Estimated total return : IDR 10,194.000

Funders can also see a simulation of estimated returns when funding on the Funding menu. Estimated returns may change if the funding disbursement date is delayed or the financing repayment is accelerated by the Beneficiary.

Funders can register through the ALAMI application on Android or iOS phones. After getting email verification, Lenders will be asked to complete a profile, then the ALAMI team will verify the data. Once verified, the Funder's Fund Account (RDF) has been formed. The RDF is used to transact at ALAMI.

To start funding, Lenders need to top up the RDF balance first. After that, Lenders can see active funding on the Funding page of the NATURAL application. If you have determined which project you want to fund, the Lender can directly click Fund Now and fill in the nominal funding. Next, the Lender will be asked to continue the Digisign activation process (electronic signature) on the Akad. Funding is declared successful if the Funder has finished signing the contract.