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.
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.
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 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.
Is there a late fee at ALAMI if there is a late payment?
ALAMI does not charge a late fee if what happens is beyond the control of the Beneficiary. However, late payments will affect the credit score of the Beneficiary in the future.
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.