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Are you here to fund some projects? Awesome! Here’s a brief guideline to get you registered as an ALAMI Funder.
01
Sign Up to ALAMI website as Funder. Once your account is confirmed, you can Sign In to ALAMI Funding Dashboard. You can choose which financing projects available in your dashboard to be funded.
Once you’ve clicked on a particular project, it will reveal detailed information that you need to know to make your decision. This will help you decide which project you’ll fund.
02
Write the amount of funding that you want to allocate.
After you click the Fund Now button, you will be able to enter the amount of funding that you want to allocate. There will also be a simulation for the amount of ujrah that you will receive.
03
Transfer your funding to the amount that you want to allocate.
Once you’ve booked a slot to fund the project, you will then be asked to make your transfer to ALAMI account.
04
After the financing project timeline is completed, you will get your money back, plus the ujrah!
After you click the Fund Now button, you will be able to enter the amount of funding that you want to allocate. There will also be a simulation for the amount of ujrah that you will receive.
Interested to be a financing beneficiary? Check out the brief guideline below!
01
Sign Up to ALAMI website as a Beneficiary
Register yourself as a potential financing beneficiary in ALAMI.
02
Complete your profile on ALAMI platform.
After you’re registered as beneficiary, you will receive an email verification. From there, your next step will be to complete your profile on ALAMI platform.
03
Complete your SME’s detailed information and upload all the required documents.
For your financing request to be considered, you must fill in your SME’s detailed information as required, and also upload all the required documents, for your application request to be processed. Make sure that all the information you send is correct and most updated.
04
Wait for status confirmation from ALAMI team.
After you’ve completed the process and sent out all documents, the ALAMI team will then process your application. You will be notified for your status confirmation, whether it’s successful or declined, through the dashboard, or an ALAMI team member will directly contact the appointed PIC.
What makes ALAMI different?
Sharia-compliant
Working closely with the National Sharia Board, we ensure that our business models and operations are aligned with sharia principles.
Licensed and supervised by OJK
ALAMI takes compliance to regulatory standards seriously. We’ve been granted the status of licensed and supervised by OJK since May 2020.
Quality financing
Each one of our beneficiaries is comprehensively analyzed and carefully selected. We have a tight risk assessment criteria and do the hard work.
Competitive Commission RatesCompetitive Ujrah Fees
Beat the inflation and gain higher value for your money with ALAMI with higher returns compared to other fixed income instruments.
Transparency
Funders can clearly see all the information related to financing projects in a user-friendly dashboard.
Frequently ask questions
Who can be ALAMI funders?
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.
How to give funding?
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.
What are the costs associated with become a funder at ALAMI?
Funders will not be charged with any fees to become a funder at ALAMI platform.
Are there any risks in funding?
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.
Do we have any potential of late payments?
There is a potential of late payment. To anticipate that, ALAMI team comprehensively analyze SMEs to select the best qualities for our beneficiaries. If the potential of late payment is detected, ALAMI team will initiate good communication to make sure on the payment. If there is still no payment, ALAMI team will execute the guarantees given at the beginning of the agreement, which can be post-dated cheque, personal guarantor, or any other types of guarantee.
How is the tax reporting mechanisms for the ujrah/return rates that I have received?
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.
