Diary Chris: Kenapa saya tidak berinvestasi di P2P Lending.

Published on March 21, 2021

Popular full videos about Bad Credit Loans, Short Term Loans, Bad Credit Business Loans, Peer to Peer Lending, and Is p2p Lending Halal, Diary Chris: Kenapa saya tidak berinvestasi di P2P Lending..

Di atas gunung es P2P, ada banyak hal yang dilupakan oleh calon investor P2P. Walaupun menggunakan beberapa jargon yang sama dengan dunia investasi lainnya, seperti imbal balik, tingkat gagal, NPL, dan fee, ada perbedaan mendasar yang harus kita perhatikan.

Perjalanan saya meriset tentang P2P dimulai dari beberapa pertanyaan oleh viewers sekalian di sesi live saya. Selama ini, ada perusahaan saya yang meminjam dari P2P, tapi ini pertama kali saya melihat P2P dari kacamata investor.

Tentu saja, riset saya tidak komprehensif, dan ada beberapa bagian yang masih saya harus pelajari. Salah satu pertanyaan yang muncul, adalah bagaimana P2P memiliki tingkat NPL yang equivalen, atau bahkan lebih rendah dari bank kelas atas Indonesia.

Dari riset saya dari industri P2P yang ada di

Beberapa poin (saya yakin pasti ada yang bertanya mengenai ini)

Provisi:
Keliatannya provisi dari bank dan p2p equivalen. Tapi kenyataannya tidak. Dalam pemberian kredit perbankan, biasanya provisi dikenakan 1x, dan disebar multiple year. Dlm p2p, biasanya tenornya lebih pendek, jadi provisi yang diberikan, hampir menyerupai annual fee. Tenor p2p yang paling panjang yang saya temukan adalah 2 tahun.

TKB90:
TKB90 bukan berarti itu tingkat kegagalan anda. Misalnya, kalau TKB90 ada di level 95%, anda masih bisa mengalami total loss, jika anda hanya memegang 1 portfolio yang gagal tersebut. Ingat, ada 5% portfolio yang gagal. Makanya, prinsip diversifikasi sangat penting utk mitigasi resiko. Seberapa besar tingkat diversifikasi? Ada perhitungannya, mungkin yang CFA atau spesialis bisa bantu hitungin. But I doubt it will be lower than 25 position.

Saya masih tidak yakin bahwa TKB90 yang digunakan sekarang merupakan angka yang merefleksikan resiko penuh dari investor. Saya tidak menemukan metodologi yang lebih kuat mendukung angka ini. Dan seberapa reliable angkanya. Sekali lagi, kalau anda mengatakan ada metode tertentu yang membuat p2p memiliki tingkat kegagalan kredit lebih kecil dari bank terbaik di Indonesia, anda tidak perlu susah-susah lagi membangun bisnisnya. Jual teknologi tersebut kepada bank yang memiliki NPL lebih tinggi, dan nilai nya akan jauh lebih besar.

Yang sudah terjadi di China, ada beberapa cara untuk memperbagus tingkat kesuksesan. Saya tidak mengatakan bahwa ini terjadi dengan P2P Indonesia, tapi di China, bad loans dpt ‘dibuang’ atau di redeem dengan cara membungkusnya dan di ambil oleh SPV tertentu. Sama seperti yang sudah terjadi di 2008 di Amrik, ketika kumpulan kredit bermasalah dapat diredam dengan securitization.

Poin saya, kembali lagi, kebanyakan investor tidak mempertimbangkan secara penuh, dari aspek regulasi, resiko, pajak, dan biaya ketika melihat p2p. Sering sekali produk p2p ini di sandingkan dengan aset class lain seperti sukuk, deposito, reksa dana, dan saham. Karena logo OJK. Kalo profil resiko, dari yg paling konservatif ke agresif, saya akan taruh deposito, sukuk/obligasi, saham, dan p2p. Just because p2p dalam bentuk fixed income, tidak membuat resikonya di bawah saham. Dan menurut saya, untuk resiko yang kita harus ambil, saya berpendapat, dari risk/return point of view, it is a bad trade-off.

Tapi yah, ini dari point of view saya. Orang lain pasti punya estimasi risk/return yang berbeda dengan saya. Dan p2p pasti ada marketnya, terutama mereka yang masih berada bracket pajak yang lebih rendah (up to 15%). Tapi bila itu adalah target marketnya, orang-orang seperti ini, tidak akan mampu mendapatkan tingkat diversifikasi yang aman. This is not an easy case.

Link:
Peraturan OJK: https://www.ojk.go.id/id/regulasi/otoritas-jasa-keuangan/peraturan-ojk/Pages/POJK-Nomor-77-POJK.01-2016.aspx

https://www.researchgate.net/publication/313442224_Peer-to-Peer_Lending_Opportunities_and_Risks

Is p2p Lending Halal

Is p2p Lending Halal, Diary Chris: Kenapa saya tidak berinvestasi di P2P Lending..

How Do You Get Graduate School Student Loans

Bonds can also be safe investments if you get a strong company. At 62, a couple in Iowa expects to work another 10 years, before they can retire. You must have something inciting you to action…your ultimate “Why”.

Diary Chris: Kenapa saya tidak berinvestasi di P2P Lending., Get interesting complete videos related to Is p2p Lending Halal.

Personal No Credit Check Loans

Peer to peer lending is what happens when there is less bank involvement. If you have done it before, it is not hard for you to do it again. Since the early 1980’s interest rates in the USA have been falling, and in 2012 they are at record lows.

Many people think that they are good at managing their money. Experts also say that when they ask their clients, most of them are emphatic that they have made the right investments. This may be because they may be getting reasonably fair returns from the investments they have made. But, they do not know that things may not remain the same always. Only when a financial crisis occurs, these investors will realize that whatever “right” investment decisions they have made were wrong choices.

Get a loan from a family member or friend. I personally hate this idea, this is a great way to lose a friend or sever your relationship with a family member if everything does not go to plan. Also, is this going to be a gentleman’s agreement or are you going to go through with paperwork? Will you have to pay interest on this loan? What happens if you cannot Peer-to-peer lending investment pay the loan back? There are too many unknowns and negative consequences that can come from taking a loan from someone you know.

The problem is you don’t realise you have fallen into one of these holes until someone points it out. Marketers tend to be stubborn and suffer from tunnel vision – hopefully these may help you kick a few bad habits…

Use Peer-to-peer lending to secure a personal loan. If you have poor credit, you still run the risk of having an inflated interest rate or not having your loan funded at all. At least spend the time to check out some different sources online. It is worth a shot and can get you out of a stick situation.

First of all check the consistency of performance of the investment. Any investment can have a period o high performance in a bull market. A short burst of high yields might be down to a specific market issue, a spike in one sector or generally strong trend. To take out the short term success factor look at the investment over a three to five year period. If yields are consistent and if they performed well in market downturns then these are the sort of vehicles worth your time. They will show that steady management has kept these Investments returning good yields over a long period.

Also known as residual income, this technique seems like a dream come true for most of us and that ease makes people very hesitant to try them out. It may sound too good to be true but it really works! Here are a few passive income generators that you can try out.

There are times when we will need ready cash to spend. In these troubled financial times, it has been happening a lot. If you are a recipient of one of these court settlements, you are in luck. There are options for you to take. This is one of those options. Here, you never have to wait a long time for the whole amount. You never have to worry about an opportunity passing you by. There are people or institutions that are willing to lend you a helping hand. You get the help you need from structured settlement investments.

The SEC has stepped in and stated that issuing peer to peer loans without proper registration is illegal. But I don’t think you should worry too much about that because you could easily lose it all if you buy the wrong bond.

If you are searching most exciting reviews about Is p2p Lending Halal, and Credit Score, Best Investments you should subscribe for email alerts service totally free.

  • Leave a Reply

Enjoyed this video?
"No Thanks. Please Close This Box!"
%d bloggers like this: