Jakarta Business Network Luncheon

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Financing & Investing in Digital Era

What is Digital Era?

• The Digital Era is characterized by technology which increases the speed

and breadth of knowledge turnover within the economy and society.

• Speed = Time Efficiency

• Energy Saving

• Cost Saving

• Alternative Solution

• Specific Functionality

• New Business Opportunity

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Business transformation in Digital Era

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Transportation Transformation in Digital

Era

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Financial Services Transformation in

Digital Era

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Financing Transformation in Digital Era

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Introducing Peer to Business Lending

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BorrowerInvestor

Online Loan

Application

and

submission

of

Documents

Repayment + Interest

Dana Pinjaman

Credit assessment and loan information

CROWDO

Loan

Benefit 1 in financing thru P2B Lending – Simplicity of

Process

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Step 1

Apply loan thru

Website

(crowdo.co.id)

Step 2

Upload

Documents

Step 3

Submit your

Application

Deed of Establishment

Business License

ID Card

Financial Report

Bank Statement

Underlying Documents

2 Days Confirmation

processing

Benefit 2 in financing thru P2B Lending – Product

Variation

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Working

Order

Employee

Loan

Gold &

Gold

Jewellery

VehiclesInvoice &

AR

Fill standard

offer templates

Publish Online

Advertise via

social media

Access virtual

investor community

Reach $ targetGrow your

business

Smaller amounts of money from

many people to reach higher targets 10

Benefit 3 in financing thru P2B Lending – Less

Dependent

Investment Transformation in Digital Era

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Deposit / Tabungan Gold / Emas Stocks / Bonds / Saham

Fixed Assets / Aset Tetap Other precious items

Direct Investment in Real Business by

Your own choice

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….investing in private deals has been limited to

the top 1% of investors

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1. Access to deal flow of high quality private

investments is typically limited to professional

investors

2. Not everyone who has investable capital can

invest in private investment due to minimum

ticket size required

…and will be a game changer in the way

people can invest

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ON LINE

INVESTMENTS

Easily make bite sized

investments in high quality deals

to diversify portfolio

Easy centralized sourcing

platform with transparent due

diligence process

Co-invest with other investors

and diversify your portfolio

OFF LINE

INVESTMENTS

Need to network and to build up

reputation to access competitive

investments

Time consuming to find and

assess deal to invest in

Need extensive knowledge in

industry you are investing in

With P2B Lending you can earn a steady fixed

income while supporting local economy

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TYPEFIXED INCOME

Monthly Repayment Loans

PURPOSEBUSINESS LOAN

Working Capital Requirement / Project Financing

DURATIONSHORT TERM INVESTMENT

3 month to 12 months

What kind of returns can you expect?

P2B Loans offers competitive risk adjusted

returns to match your risk appetite

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GOLD

LOAN

13% - 15%

INVOICE

LOAN

20% - 25%

PROJECT

LOAN

25% - 30%

0%5%

10%15%20%25%30%

Inflation

3.02%

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Innovative credit score promotes inclusion

and offer unique investment opportunities

Traditional

Parameters

1. Demographics

2. Financials

3. Existing obligation

4. Transaction Data

Big Data

1. Location Data

2. Device Data

3. Online Footprint

4. Criminal History

Social Media Data

1. Online Activity

2. Social Graph

3. Peer Influence

4. Social Web Behavior

Psychometric Test

1. Assessing Intentions

2. Credit Assessment

What are the risks to private loan investing?

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Online investment

Reputable P2P

PlatformRepayment Risk

Solid cash flow to

repay the loan

Quality of the

Collateral

Easiness to sell the

asset

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Invest in loans

that match your

risk appetite

and/or diversify

your portfolio

Choose loans with

tenor you are

comfortable with and

that matches your

financial needs

If you don’t have

the expertise, invest

with experienced

investor who do

How to choose which loan to invest in?

CROWD

WISDOM

RISK /

RETURNHORIZON

Simple Investor Process

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STEP 1

Apply to become

an Investor

STEP 3

Invest in

selected Loans

STEP 2

Top up your

Account

Portfolio monitoring of your investment

performance in smart dashboard

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• Portfolio distribution

• Portfolio Performance

• Repayment history

• Cash-flow forecast

• Estimated return

Crowdo - Peer To Business Lending

Established: April 2012

Co-Founders: Reona Shimada, Nicola Castelnuovo

Local Company

Incorporation:Indonesia, Malaysia, Singapore,

Product Portfolio: P2P Lending (Indonesia, Malaysia, Singapore)

Equity Crowdfunding (Malaysia, Singapore)

Brand Name: Crowdo

License(s): SC Recognized Market Operator (MY); MAS Capital Market

Service License (SG); Financial Authority of Indonesia (OJK)

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Track Record: 3,500++ loans funded, investors from 70 countries

Peer To Business Lending give …..

Earn an additional income with steady cash flow repayment

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An alternative Asset Class to diversify your portfolio

An easy and always accessible way to invest

A way to earn ROI while supporting local economy

login @ crowdo.co.id

Simplicity of Loan process

Product Variation to support our business

Competitive pricing

Financing Solutions:

New way of Investment:

Case study:

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www.crowdo.co.id

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THANK YOU