What is the minimum amount of funding at ALAMI?
The minimum nominal for funding in ALAMI is IDR 1,000,000 with a maximum funding value of the value of the financing offered or a maximum of IDR 2,000,000,000.
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 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 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.
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If the phone number you registered is incorrect or no longer active, please change the registered phone number.
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.
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.
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 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
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.