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TKB90

Level of Success 90 (TKB90) shows the organizer's success in keeping the level Non Performing Funding (NPF) staying low. The higher the Level of Success, the better platform's performance in pressing the NPF rate.

TKB90

TKB90 is renewed periodically everyday at 00.00 AM.

TWP90

is a measure of the non-compliance rate or failure to settle the obligations stated in the agreement for more than 90 days from the due date.

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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 77 / POJK.01 / 2016 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.