P2P Lending Summary and it is Influence for the Future of Indonesia

In modern times today having no capital is surely an unacceptable basis for those that wish to operate a business and grow a business. There are several ways for entrepreneurs including SMEs to get capital. For all of us who will be still not wanting to get a financial loan with interest and complicated terms, there are alternatives which can be your path into success, with peer to look lending or P2P lending. This new financial technology platform connects directly relating to the lender (investor) as well as the borrower (borrower) with the peer to look lending platform.


The advantage for investors is they can provide business loans to seriously qualified borrowers, whereas for borrowers the advantage is a trustworthy investor because to participate system, the platform company can do the info filtering first to determine its credibility. Because of the user-friendly platform available, can peer to see lending be an option in investment looking for capital for the future of Indonesia later on?

Advantages P2P Lending for Investors

Exactly what is the first thing that lenders see before giving loan investments to entrepreneurs who apply? Of course may be the prospect of the progression of the company whether it can generate profits you aren’t. Not infrequently investors fail to issue loan funds because they are less more comfortable with the credibility in the borrower. But from the lending marketplace or Personal Loan Online, investors could be more confident in investing because borrowers who’ve joined this marketplace has been filtered before. Other attributes of joining P2P lending platforms such as SOFIS include:

The operation of investment is faster and easier.
You can now participate to become a borrower of either a company, an entrepreneur, or perhaps one that has more funds to channel to entrepreneurs who require funds. In case you have previously invested to forms, lending through P2P lending is usually a method to diversify your investment for risk sharing. Investors can take advantage of a better return value in contrast to channeling investment funds through lending banks.

Advantages of P2P Lending for borrowers

An advanced entrepreneur, when gonna submit an application for SME loan one important thing that be a consideration may be the interest rates set by loan companies offering credit facilities. So but in addition those who wish to submit an application for loans for private needs including employee loans in order to fund children’s education. Hence the main benefit of joining SOFIS as being a P2P lending platform is the interest is leaner than that set by other credit finance institutions.

Moreover, there are several advantages that could be enjoyed by borrower include:
1. A faster and easier advance loan application with simpler terms than looking for a loan with a bank or other standard bank.
2. SOFIS provides loans to individuals along with business loans. Individual loans can be utilized for home remodeling, credit card payment loans, employee loans, and micro loans. While unsecured business loans, SOFIS serves business capital, receivable financing (max. Around IDR 250 million), and contract financing (max. As much as IDR 1 billion).
3. SOFIS gives a low interest rate rate and is adjusted depending on the borrower’s risk assessment. The borrower will be classified in loan grade beginning from A1-C3 to look for the interest rate to get borne.

Studying the various benefits that may be obtained because of investors and for borrowers, needless to say P2P Lending platform like https://sofis.id will make alterations in the dynamics of financial services in Indonesia. Now individuals and companies which need funds can more easily get investors who go along with the objective of lending, and investors have other approaches to invest or channel funds up to the more needy. With easy loan way, of course might help in improving prosperity of Indonesian community.
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