Individuals and enterprises. Indonesian citizens and foreigners. Minimum 17 years of age. For Indonesian citizens, you need ID Card and Tax Card. Foreigners need passport and Indonesian bank account.
Potential funders can register at this link. A verification email will be sent to request funders to complete profile at ALAMI platform. After it is completed, funders will be sent agreement documents. Funders will be required to send electronic signatures (eSign). ALAMI team will verify your data. If successfully verified, funders will be able to see the listed companies and can start funding their chosen ones.
Funders will not be charged with any fees to become a funder at ALAMI platform.
The risk faced by Funders is when beneficiaries cannot return the amount of financing received at its predetermined time. This could be because the client of beneficiaries still haven’t paid their invoice or moral hazard from beneficiaries. That’s why ALAMI is committed to selectively choose the beneficiary SMEs as well as possible.
Funders will need to personally report the tax by following the Article 21 Income Tax regulation. You will need to count the amount in progressive manner in accordance to your personal tax rates. If you are an Indonesian citizen working overseas, your return rates or ujrah from your funding activities will be charged with 20 % final tax in accordance to Article 26 Income Tax, and need to be reported personally.