Frequently asked question
Can I borrow on the ALAMI app?
The ALAMI app is intended for Funders who wish to provide funding or lend funds. Currently, the ALAMI financing program is intended for productive financing for business entities (in the form of PT or CV) with the Invoice Financing financing scheme.
How do I change my profile data?
Change of profile data can be done independently by logging into the account through the ALAMI website at https://alamisharia.co.id/. Then select the Profile menu where Funders can change profile data.
If I don’t have NPWP, can I still register as a Lender at ALAMI?
Funders at ALAMI are required to register NPWP. If you don't have one, you can use the NPWP of your parents/spouse/siblings.
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 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 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.
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.
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.
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.
How do I add my funding amount?
Steps to make a nominal 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. Confirm the additional funding amount to email info@ALAMIsharia.co.id or via WhatsApp Mina at 0811161191
4. The ALAMI team will carry out a verification process on the additional funding
5. Next, the Lender will carry out the process of signing the contract again
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.