Bantuan

Question About Frequently asked question

What is a funding rating?

Rating is a quality scale given by ALAMI to a financing project which is taken from the results of credit scoring analysis. If a financing project has a high rating (close to 5), it means that the project has a medium-low risk, so the return or Ujrah value also adjusts. In this case, the rating is inversely proportional to the percentage of Return/Ujrah of a financing project.

How do I add my funding amount?

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.

Why isn’t my account verified?

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.

Where is the repayment fund from the funding that I have funded?

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

I have not yet received payment from the project I funded.

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.

How to calculate Returns?

The return is calculated based on the amount of funding, the percentage of Return, and the tenor of the project. The percentage of the unit of Return listed on the termsheet is p.a. (per annum).

The calculation simulation is as follows.
1. Presentation of ujroh 15% p.a.
2. 60 Days tenor
3. Funding of 10 million rupiah.

Then the nominal Return that will be obtained is: 15%x 60/360 (number of days in a year) x IDR 10 million = IDR 250,000

Funders can also view a simulation of the estimated Return when funding on the Funding menu.

How to do funding?

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.

How to top up RDF balance?

Currently, ALAMI is collaborating with BNI for RDF at ALAMI. Funders can top up the RDF through various methods, such as interbank transfers, interbank transfers, via mobile banking, internet banking, or via e-wallet and other methods, with the aim of transferring to BNI followed by the Funder's RDF number.

If I don’t have a NPWP (Indonesian Tax ID number), can I still register as a Funder at ALAMI?

Funders at ALAMI are required to register their NPWP. If you don't have one, then you can you can first register for NPWP online through the website: https://ereg.pajak.go.id/register or use the NPWP of your parents/spouse/siblings.

What if I want to change my profile data?

Funders can change their profile by logging into the Funder's account and going to the Edit Profile menu.
Currently, data profile changes can be made through both of ALAMI's website and app.
If you want to change your bank account, the account's name must be exactly the same with the name of the account owner.

Can I borrow from ALAMI app?

ALAMI app only provides funding. Currently, there are various productive financing projects for MSMEs that can be directly funded by Funders through the ALAMI app.

Question About About ALAMI

How to submit a proposal for a partnership/sponsorship to ALAMI?

Regarding partnership/sponsorship, if you come from an institution/organization/event that does not violate sharia principles, you can send a proposal via email to [email protected] Insyaallah, we will forward the incoming proposal to the relevant internal division at ALAMI.

Is there a late fee at ALAMI if there is a late payment?

ALAMI does not charge a late fee if it is beyond the control of the Beneficiary. The imposition of fines/penalties on current financing is feared to have the potential to violate sharia principles.
However, late payment will affect the credit score of the Beneficiary in the future.

What are the risks I will accept if I fund at ALAMI?

Financing risk/failure to pay/default becomes Funder's responsibility. There is no state agency or authority is responsible for this default risk.
However, this risk can be anticipated with ALAMI's strict selection process of MSME's projects. This is proven by ALAMI's TKB90, which is still above the industry average.

Are transactions at ALAMI in accordance with sharia law?

The operational activities carried out by ALAMI are in accordance with the fatwa of the Indonesian Ulema Council (MUI). For ALAMI's Invoice Financing products, refer to DSN Fatwa No. 67/DSN-MUI/III/2008 and 117/DSN-MUI/II/2018. Meanwhile, the imposition of Ujrah or returns is based on DSN Fatwa No. 112/DSN-MUI/IX/2017.

What financing products does ALAMI provide?

ALAMI has several financing products which are specifically designed to help Indonesian MSMEs, including:
1. Invoice Financing
Invoice Financing is a financing transaction based on invoices for collection management services.

2. Ecosystem Financing
Ecosystem financing is financing made to ecosystem members from ALAMI partners. This financing focuses on micro-enterprises that have been assessed internally by ALAMI's partners before being submitted to ALAMI.

How does Peer-to-Peer scheme work?

ALAMI will accept application for factoring funding from MSMEs. Then, ALAMI will conduct credit scoring for the MSMEs who apply. Credit Scoring is based on qualitative and quantitative analysis. Quantitative analysis is based on financial statements and current accounts. Meanwhile, the qualitative analysis is based on historical history and also analysis of visits to places of business. After getting the scoring results, ALAMI will offer a financing agreement. After being approved by MSMEs, the financing application will immediately enter the listing within a period of no later than 14 working days. After the funds are collected, the funds will be immediately distributed to the MSME concerned and repayment will be carried out according to the agreed maturity.

Can I borrow from ALAMI app?

ALAMI app only provides funding. Currently, there are various productive financing projects for MSMEs that can be directly funded by Funders through the ALAMI app.

Is ALAMI already registered and licensed by the OJK?

ALAMI is registered and supervised by OJK according to OJK decree Number: KEP-21/D.05/2020 for Peer to Peer (P2P) Operators

What is ALAMI?

ALAMI is a productive financing Peer-to-Peer Lending platform which has a vision to revolutionize Sharia financial industry to be more advanced and modern through #HijraInFinance

Question About Registration and Verification

I want to register with a BSI account, but the option is not available.

ALAMI cooperates with BNI for the establishment of a Funder Fund Account (RDF). Since the integration process of ALAMI with BSI is still ongoing, therefore there is no direct BSI option available. If the Funder has an account from another bank, please use that account.

I can’t continue the data entry process to the next stage.

If the Funder cannot continue the data entry process to the next stage, make sure that the data column on the verification page is filled in and all data is correct. If there is data that has not been filled in, the Lender cannot proceed to the next stage. The NATURAL application will give a sign when the data is completely filled in.

Is my account data kept confidential?

Confidentiality and data security will be guaranteed because the operational management of user data at ALAMI is in accordance with the provisions of POJK 77/POJK.01/2016 concerning Confidentiality of Customer Data

Why can’t my account be verified because my NPWP (Tax ID number) is not active?

If the Funder's account has not been verified due to the reason that the NPWP is inactive, then this is due to a third party system and ALAMI cannot verify the data for the RDF creation process. Therefore, it is necessary to adjust the data with CIF information and come to the BNI branch office who has been informed of the reason for the refusal.

At the time of data adjustment, Funders need to bring identity documents, such as KTP, NPWP and BNI savings book (if any) and confirm the adjustment of NPWP/CIF data. After that, request and save proof that the NPWP/CIF data has been updated, and contact Mina again if the NPWP adjustment has been successful so that the data verification process can be processed again.

Why did my account fail to be verified?

The Funder's account has not been verified because there is a discrepancy between filling out data or documents with those required by ALAMI. Funders can check the cause on the Verification page or on the Home page.

Why isn’t my account verified?

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.

If I don’t have a NPWP (Indonesian Tax ID number), can I still register as a Funder at ALAMI?

Funders at ALAMI are required to register their NPWP. If you don't have one, then you can you can first register for NPWP online through the website: https://ereg.pajak.go.id/register or use the NPWP of your parents/spouse/siblings.

Who can be ALAMI funders?

Individual or business entity. Indonesian citizens (WNI) and foreign citizens (WNA) are at least 17 years old and attach their identity in the form of an Identity Card (KTP) accompanied by a NPWP for Indonesian citizens. While foreigners attach a passport accompanied by a bank account in Indonesia.

Question About Funder

What is the mechanism for reporting taxes on my account for the Return (Ujrah) I receive?

(1) Effective from May 1, 2022, every gross amount of ujrah received by the funder will be immediately subject to withholding tax article 23 (PPh 23) of 15% for Indonesian citizens who have a personal Taxpayer Identification Number. (2) For funders who do not have a personal Taxpayer Identification Number, the ujrah will be subject to PPh 23 of 30%. If the funder uses another person's Taxpayer Identification Number in the registration process, they will be deemed not to have a personal Taxpayer Identification Number and will be subject to the said PPh rate. (3) All tax deductions are carried out by ALAMI and funders can report them using the withholding tax slip and withholding tax payment history which will be available in the ALAMI application and website. (4) Tax reporting is the responsibility of funders and all funders are encouraged to report every ujrah obtained in the annual tax return report.

Where can I see my funding portfolio?

Funders can view their funding portfolio by logging into their account, then going to the Portfolio menu. In this menu, Funders can see the active/running funding projects. Funders can go to History menu to see funded and completed projects.

I’ve funded before, but why am I being asked to verify my data again?

This happens because there is a development in the ALAMI's system. Hence, Funder's data needs to be re-verified.

Why is my account not getting notification regarding the funding?

Funding notifications are sent via push notifications from the ALAMI app. Make sure to give permission in the notification settings on your phone.

What if I want to change my profile data?

Funders can change their profile by logging into the Funder's account and going to the Edit Profile menu.
Currently, data profile changes can be made through both of ALAMI's website and app.
If you want to change your bank account, the account's name must be exactly the same with the name of the account owner.

Will I have a special account created to fund it?

ALAMI will create a Funder Fund Account (RDF) account for Funders to make transactions at ALAMI. The RDF will be formed after the account is verified. ALAMI's RDF cooperates with BNI, so that RDF is a BNI account.

Question About Beneficiary

Is Every Listing Financing Must Get Financing?

The maximum financing listing period is 14 working days. If the collected funds are more than 55%, the financing can be forwarded to MSMEs. However, if less than 55% is collected, then MSMEs have the option to cancel the financing application, continue to take the collected financing, or extend the listing period. If before 14 working days the funds have been collected, the funds will be immediately distributed a maximum of 2 working days from the collected funds. If the funds have been collected but before 14 working days the MSME listing cancels unilaterally, the Beneficiary is obliged to pay for the services that have been carried out by ALAMI.

Is there a late fee at ALAMI if there is a late payment?

ALAMI does not charge a late fee if it is beyond the control of the Beneficiary. The imposition of fines/penalties on current financing is feared to have the potential to violate sharia principles.
However, late payment will affect the credit score of the Beneficiary in the future.

How is ALAMI able to guarantee the security of information given?

ALAMI is committed to maintaining personal or legal entity data, in accordance with applicable standards and regulations. The information that will be displayed at the time of listing the funding application is the initials of the MSME and the scoring data. ALAMI will not reveal the identity of the Borrower and disseminate company information without the permission of the owner of the information data.

How much financing can be submitted to ALAMI?

The maximum financing that can be disbursed is IDR 2,000,000,000. The value of the disbursed financing is based on the invoice value held by the Prospective Beneficiary. ALAMI will fund a maximum of 80% of the invoice value owned.

How to apply for financing at ALAMI?

Prospective Beneficiary open the link www.alamisaria.co.id and register as prospective Beneficiary. After receiving a verification email, the Prospective Beneficiary can complete a profile on the ALAMI platform. After that, the Prospective Beneficiary can apply for financing by completing the identity of the company in question and uploading the required documents. After that, the Prospective Beneficiary will get a notification regarding the status of the company's submission via the Dashboard or the ALAMI team will contact the PIC in question.

What are the requirements to apply for financing at ALAMI?

The company has been in the form of a PT, CV, or Foundation that has carried out operational activities that do not conflict with Islamic law; have been in existence for at least 1 year and attach a checking account and financial statements for the last 6 months; and have current accounts and personal guarantees to be used as collateral.

Question About Funding Project

How long will a project be offered? What is the mechanism if the project has not been successfully funded within the specified time limit?

The maximum financing offer period is 14 working days. If the funds collected are more than 55%, then the financing can be forwarded to the beneficiary. However, if it is less than 55%, the Borrower may choose to cancel the financing application, continue to take the collected financing, or extend the offer period. However, the average financing at ALAMI is successfully funded in 3-7 days.

Where can I see projects that can be funded?

Projects that can be funded are available on the Funding page. If the Funding page is empty, it means that all funding projects have been funded. Every time there is new funding, ALAMI will inform you via email or notification from the application.

Why is the name of the Beneficiary not mentioned in full?

The information on the funding project contains the initials of the name of the Beneficiary, company profile, and business activities carried out. Company's conditions such as the their product or service areas, financial reports, etc., are available to be seen on the factsheet. Therefore, Funders can still find out the summary of the company's fundamentals and assess them comprehensively.

Is the funding project at ALAMI insured?

ALAMI collaborates with Jamkrindo Syariah insurance. However, not all financing is covered by the insurance. The terms & conditions is still being re-analyzed. There will be a detailed information regarding the insurance used for a project and when there is a project that has been covered by insurance.
ALAMI always puts maximum efforts since a Beneficiary submits a financing application to prevent default. Currently, all projects at ALAMI have passed the insurance risk profile test.

What is a funding tenor?

Tenor is the duration of the loan agreement between the Beneficiary and the Funder. The financing tenor at ALAMI varies, with a maximum tenor of 180 days and an average tenor of 90 days.

What is a funding rating?

Rating is a quality scale given by ALAMI to a financing project which is taken from the results of credit scoring analysis. If a financing project has a high rating (close to 5), it means that the project has a medium-low risk, so the return or Ujrah value also adjusts. In this case, the rating is inversely proportional to the percentage of Return/Ujrah of a financing project.

What contract is used to finance Ecosystem Financing?

In general, the financing scheme that will be run by ALAMI is not much different from the DSN-MUI Fatwa No. 117/DSN-MUI/II/2018. However, in ALAMI's financing scheme, a contract has been established between the Provider (ALAMI) and the Beneficiary, namely trading with Akad Murabaha.

Murabahah is a trading agreement between a financial institution and the recipient of the financing. The financial institution buys the goods needed by the recipient of the financing and then sells it to the recipient of the financing at the cost of acquisition plus a profit margin agreed between the financial institution and the recipient of the financing.

What is Ecosystem Financing?

Ecosystem Financing is a financing program for ecosystem members from ALAMI partners. Financing also focuses on micro-entrepreneurs who have been assessed internally by ALAMI's partners before being submitted to ALAMI.

What contract is used in Invoice Financing?

The Akad of Invoice Financing is based on the DSN Fatwa No. 67/DSN-MUI/III/2008 and 117/DSN-MUI/II/2018 used by ALAMi are Wakalah bil Ujrah and Qardh contracts.

Qardh is a loan agreement to another person without expecting anything in return. This contract is included in the Tabarru' (benevolence) contract. A person who is given a loan is obliged to return something he lent at the agreed time. If the customer does not show a desire to return part or all of his obligations and not because of his inability, LKS can impose sanctions on the customer in the form of selling collateral.

Wakalah is the delegation of power by one person to another to carry out an activity on behalf of the giver of the power. Wakalah is a contract from the Authorizer (Muwakkil) to the Recipient (Deputy) as his representative in acting. The power of attorney can receive compensation for services representing an activity from the power of attorney.

What is Invoice Financing?

Invoice Financing is a financing transaction based on invoices for collection management services.

Invoice Financing and Contract Mechanisms used:
1. The Beneficiary has a bill to the client/Payer (Muamalah relationship) which causes the Beneficiary to have the right to collect and manage documents.
2. The Beneficiary submits an application to ALAMI to find a party who is willing to provide document management and billing services.
3. ALAMI will offer Funders to provide billing and document management services for which a reward will be given (Wakalah bil Ujrah).
4. Funders authorize the services that should be carried out by the Funders (Wakalah).
5. In addition to providing services, Funders also provide loans (Qard) to Beneficiary.
6. ALAMI as the Funder's proxy enters into an Akad with the Beneficiary accompanied by forwarding of loan funds from the Funders. Based on this mechanism, the return or Ujrah is the right of the Beneficiary for billing and document management services (which were previously Wakalah to ALAMI).

Regarding the mechanism and use of the contract, it is in accordance with the DSN-MUI Fatwa NO. 117/DSN-MUI/II/118 concerning Information Technology-Based Financing Services Based on Sharia Principles.

Question About Funding

If I want to do funding at ALAMI, is there an extra fee?

Funders will not be charged any fees for the use of the ALAMI's platform.

How do I add my funding amount?

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.

How to calculate Returns?

The return is calculated based on the amount of funding, the percentage of Return, and the tenor of the project. The percentage of the unit of Return listed on the termsheet is p.a. (per annum).

The calculation simulation is as follows.
1. Presentation of ujroh 15% p.a.
2. 60 Days tenor
3. Funding of 10 million rupiah.

Then the nominal Return that will be obtained is:
15%x 60/360 (number of days in a year) x IDR 10 million = IDR 250,000

Funders can also view a simulation of the estimated Return when funding on the Funding menu.

How do I see the status of my funding?

Funding status can be seen through the Funder's account and go to the Portfolio page.

What is an Akad Umbrella?

Akad Umbrella is Akad Wakalah which contains a universal power of attorney agreement. Thus, it is enough for Funders to sign the Akad Umbrella once for the entire subsequent funding process. This is to support the convenience and convenience of the Funder in the process of funding at ALAMI.

Why didn’t I get the OTP code?

OTP (One Time Password) code used when Funders undergo the Digisign activation process for the first time. Make sure the registered phone/mobile number is active. If the Funder does not get an OTP code, do the following:
- Check if the phone is connected to a Wi-Fi connection
- If connected, disconnect Wi-Fi
- Turn on airplane mode then turn it off again

If the phone number you registered is incorrect or no longer active, please change the registered phone number.

How do I activate Digisign?

When a Funder makes funding for the first time, or a Beneficiary makes a loan for the first time, both of them need to activate DigiSign directly (will be directed from the ALAMI application) and is one of the steps that must be followed in the funding process.

What is an electronic signature?

According to the Law of the Republic of Indonesia Number 19 of 2016 concerning Electronic Information and Transactions, Electronic Signature is a signature consisting of electronic information attached, associated or related to other electronic information used as a means of verification and authentication. ALAMI cooperates with Digisign as an electronic signature service provider that is licensed and in accordance with regulatory provisions (KEMENKOMINFO and OJK), so that users will be directly integrated with agreement documents (Akad) and it will be easier when making transactions at ALAMI.

How to do funding?

"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."

What is the minimum amount of funding at ALAMI?

The minimum amount of funding in ALAMI is Rp1,000,000. But, there will also be a minimum amount starts from Rp25,000 for projects with special marks. While for maximum amount of funding is a financing offered or a maximum of Rp2,000,000,000.

Question About RDF and Withdrawals

Why can’t I make a withdrawal?

When making a withdrawal, make sure that the withdrawal amount has been filled in, the name on the account info matches the name on the savings book, and the Funder has chosen the desired method of withdrawing funds. After that, Funders can click the "Withdraw" button on the RDF withdrawal page.

How to make an RDF withdrawal? How long will it take for the funds to arrive in my account?

"Funders can make RDF withdrawals by logging into their account, then going to the Dashboard page. On the RDF menu, Funders can select ""Withdraw"" to withdraw funds. RDF withdrawals will be processed no later than 1 x 24 hours (Monday to Friday at 09.00-18.00 WIB). If the withdrawal is declared successful, the funds will immediately go to the account registered with ALAMI."

How to top up RDF balance?

Currently, ALAMI is collaborating with BNI for RDF at ALAMI. Funders can top up the RDF through various methods, such as interbank transfers, interbank transfers, via mobile banking, internet banking, or via e-wallet and other methods, with the aim of transferring to BNI followed by the Funder's RDF number.

How is RDF different from a regular account?

There is no profit sharing, administration fee, and minimum balance in RDF. RDF also does not have a debit card, savings book, or e-banking. RDF can only be used to carry out project funding transactions at ALAMI, as well as transfers/book transfers to accounts registered with ALAMI. This transaction can only be done on the Dashboard page of the ALAMI app.

What is RDF?

RDF (Funder's Account) is a separate account in the name of Funders, both individuals and companies, which aims to make it easier to do funding at ALAMI.

Question About Repayment of Financing

What does ALAMI do if there is a late financing?

If there is a late payment, ALAMI continues to collect intensively for 90 days from the due date. During the collection period, ALAMI will continue to provide information on its progress in a transparently to the Funders either through an email or the ALAMI app.

I have not yet received payment from the project I funded.

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.

Will there be a notification if the project I funded has a late repayment?

If the funded project is delayed, ALAMI will continue to monitor and communicate intensively with the Management of the Beneficiary regarding the project's repayment plan. ALAMI will also inform Funders regarding the results of the billing activities carried out, via email and application in the "Details of Beneficiary" section on the Portfolio page.

Where is the repayment fund from the funding that I have funded?

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

Where can I see the maturity information of the project I’m funding?

Information regarding the maturity of the financing project can be seen through the funding calendar in the Funder's account. Meanwhile, more detailed funding information can be seen on the Portfolio page, in the Financing Details section.

Ornament

Contact Us

ALAMI's Headquarter

Plaza 89

PT Alami Fintek Sharia

Plaza 89, Kav. X7, Jln. H.R. Rasuna Said No. 6, Kel. Karet Kuningan, Kec. Setiabudi, Kota Adm. Jakarta Selatan.

-6.217462036738611, 106.830337

(+62 21) 311-161-91

Monday - Sunday | 09:00 - 22:00 (WIB)
* Except public holidays