TKB Total

TKB Total measures the level of success in facilitating funding obligations within a period of 90 (ninety) calendar days from the due date compared to the total amount of successfully disbursed fundings

TKB90

TKB90 measures the organizer’s level of success in facilitating funding obligations within a period of up to 90 (ninety) calendar days from the due date

TKB60

TKB60 measures the organizer’s level of success in facilitating funding obligations within a period of up to 60 (sixty) calendar days from the due date

TKB30

TKB30 measures the organizer’s level of success in facilitating funding obligations within a period of up to 30 (thirty) calendar days from the due date

TKB0

TKB0 measures the organizer's level of success in facilitating funding obligations within a period of up to 0 (zero) calendar days from the due date

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Akad

There are 2 types of contracts/akad used in the Invoice Financing product at ALAMI:

Wakalah bil Ujrah with Qardh (WBUQ)
Musyarakah Muntahiya Bittamlik (MMBT)

Akad

There are 5 types of contracts/akad used in the Purchase Order Financing at ALAMI:

Musyarakah
Musyarakah Muntahiya Bittamlik (MMBT)
Musyarakah Mutanaqisah (MMQ)
Murabahah (with or without akad Wakalah)
Hawalah Bil Ujrah

Akad

Terdapat 5 jenis akad yang dipakai pada produk Community Based Financing di ALAMI:

Musyarakah
Musyarakah Muntahiya Bittamlik (MMBT)
Musyarakah Mutanaqisah (MMQ)
Murabahah (dengan/tanpa akad Wakalah)
Hawalah Bil Ujrah

Akad

There are 4 types of contracts/akad used in the Supply Chain Financing product at ALAMI:

Wakalah Bil Ujrah and Qardh
Musyarakah Mutanaqisah (MMQ)
Murabahah (with or without wakalah)
Musyarakah Muntahiya Bittamlik (MMBT)

TKBTotal 99,69%

TKB90 95,96%

TKB60 95,96%

TKB30 95,10%

TKB0 93,74%
en
id

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TKB Total 99,69%

TKB90 95,96%

TKB60 95,96%

TKB30 95,10%

TKB0 93,74%

Risiko di ALAMI

Risk is a quality scale given by ALAMI to a project that is taken from the results of credit scoring analysis.

See ALAMI's Risk Table

Grow Your Assets Up To 16% p.a. by Empowering SMEs

Connecting funders to SMEs through an Islamic Akad to spread and share a meaningful help.

Funding Calculator

Funding Amount

Rp.

Tenor

30 Days

60 Days

90 Days

Funding Risk

Risk is a quality scale given by ALAMI to a project that is taken from the results of credit scoring analysis.

Low

Equivalent

13% p.a

Medium

Equivalent

15% p.a

High

Equivalent

17% p.a

Est. Return (After Tax)

0

Est. Repayment

0

This simulation is a projection. The repayment amount refers to each funding document.

Start Funding

Total Registered Funders

166496

Since Established

117 Active Funders

(Current Year)

Posisi Akhir 38 (Current Month)

Financing Accumulation

Rp 5.66T

Since Established

14.60 % Avg. Return

App Rating

≥ 4.51

out of a scale of 5

Both in App Store and Play Store

Their Experience With Us

Hayatul, 26 August 2021

A very user-friendly sharia P2P funding. As a beginner who’s just getting to know P2P, I’m satisfied with the app so far. I hope that ALAMI can continue to bridge the gap between funders and beneficiaries, and maintain the trust in servicing their customers…All the best for ALAMI

Jelita Rahman, 2 November 2020

It has a very good and simple user interface, so I find it very easy to use. Helped a lot for us to know more about sharia fintech…And inside, you can also have the Islamic features such as Al-Quran and Prayer Time as well!

Fauziah R, 27 October 2020

A very user-friendly application, supported with fast-response and very helpful Customer Service team. All the best!

Start Your Ethical Funding with 4 Easy Steps

Follow the steps below to start funding in ALAMI

(1/4) Registration

1 - 2 minutes

Registration

Register yourself in the ALAMI app. It is a quick one, just fill the form.

Verification

ALAMI will verify your account. Once it is verified, you can continue to the next step.

Top Up RDF Balance

To start funding, you need to top up your RDF balance from your bank's account.

Fund

Choose a project that you want to fund, sign the agreement (Akad), and done!

Download and start making an impact now!

ALAMI App Store

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ALAMI Apps

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

Check Map

(+62 21) 311-161-91

Monday - Sunday | 08:00 - 17:00 (WIB)

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© 2017 - 2025 - PT Alami Fintek Sharia.
All Right Reserved.

Registered

Part of

Alami Fintek Sharia telah Berizin dan Diawasi oleh Otoritas Jasa Keuangan (OJK)

Disclaimer:

The sharia-compliant, information technology-based peer-to-peer financing service is a civil agreement between Funder and Beneficiary, so that all risks arising from the agreement are borne entirely by each party.
Every Funder is fully responsible for all credit risks of late or default payments. No national entity or authority is responsible for any such risks.
The Operator, with the approval of respective Users (Funder and/or Beneficiary) accesses, acquires, stores, administers, and/or uses the Users’ personal data of Users (“Data Utilization”) on or inside objects, electronic devices (including smartphones or phone cellular), hardware, software, electronic documents, applications, or electronic systems belonging to Users or controlled by the Users, by notifying the purpose, limitations and mechanisms of the Data Utilization to the Users concerned before obtaining such consent.
Funders who do not have sufficient knowledge and experience on financing business are advised not to use this service.
Beneficiaries should carefully consider ujrah/return rates along with any other costs in accordance with the ability to pay off the loan.
Every fraudulent activity is recorded digitally in cyberspace and may potentially be informed to the public through social media networks.
Every User should read and understand this information before making a decision to become a Funder and Beneficiary.
The Government, in this case the Financial Services Authority, shall not be liable for any breach or non-compliance by the User, either the Funder or the Beneficiary (either by User’s intent or negligence) of the provisions of the laws and regulations or agreements or agreements between the Operator and the Funder and/or Beneficiary.
Every transaction and lending activity or the implementation of the agreements on lending activity between or involving the Operator, Funder and/or Beneficiary shall be made through escrow and virtual accounts as required under the Regulation of the Financial Services Authority Number 10/POJK.05/2022 on The Information Technology-based Peer to Peer Lending Service and the violation or non-compliance towards those provisions constitute evidence of a violation of law by the Operator so that the Operator shall bear the indemnity suffered by each User as a direct result of the above breach of the law without prejudice to the right of the User suffering loss according to the Civil Law.
In accordance with the directives of the Financial Services Authority (OJK) on Strengthening Transparency and Risk Management of Information Technology-Based Joint Funding Service Providers (LPBBTI), it is advised to: BE CAREFUL, THIS TRANSACTION CARRIES HIGH RISK. YOU MAY SUFFER LOSSES OR LOSE MONEY. DO NOT BORROW IF YOU DO NOT HAVE THE ABILITY TO REPAY. CAREFULLY CONSIDER ALL ASPECTS BEFORE PROCEEDING WITH THIS TRANSACTION.

Attention and Please Be Cautious!

In accordance with OJK’s directive on Enhancing Transparency and Risk Management for Information Technology-Based Peer-to-Peer Lending Services (LPBBTI), please be advised: BE CAREFUL, AS THIS TRANSACTION CARRIES HIGH RISKS. YOU MAY SUFFER LOSSES OR LOSE MONEY. DO NOT BORROW IF YOU DO NOT HAVE THE ABILITY TO REPAY. CONSIDER WISELY BEFORE TRANSACTING.
There are accounts impersonating ALAMI. Please always be vigilant to avoid fraud by unofficial accounts. Funding on ALAMI is only conducted through the Funder Account (RDF) in the ALAMI application.

Contact us through MINA in the ALAMI app or via our official channels at:

@[email protected]