Investasi Syariah dan Zakat Pendidikan
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DANAdidik adalah situs pengalangan dana khusus untuk pendidikan, dengan pengembalian sistem bagi-hasil. Berprinsip syariah. Dengan DANAdidik, kami harapkan bisa memberikan bantuan terbaik untuk bangsa Indonesia
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Investasi Syariah dan Zakat Pendidikan
- 1. DANAdidik investing in Indonesia’s youth future & dream SPONSOR DECK
- 2. “Pendidikan ini sangat membantu keluarga saya. Kesempatan ini tidak akan saya lupakan.” - Tumpal Sihombing
- 3. mendanai pendidikan pengembalian per bulan (sistem bagi-hasil – berprinsip syariah)
- 4. Youth in Poverty – Indonesia With 31+ million living under poverty, education is considered as a luxury Most are illiterate. Placing Indonesia as the 2nd worst among the world’s 61 most literate nations It is estimated 19.4 million youth (age 15 – 29) have not attended higher education
- 5. No financing available 70% parents mention that tuition fees & financial are the biggest challenge Often loan shark (lintah darat) are the only funding option, lending up to interest 1% per day 73% borrow funds externally
- 6. Pinjaman Pendidikan Mikro (Micro Student Loan) Lulus dalam Jumlah pinjaman RP2 - 10juta< 18 bulan Pendidikan Siap Kerja D1, D2, D3, D4, S1 Umumnya: Keluarga kurang mampu generasi-1 ke pendidikan tinggi Bekerja part-time, gojek sampai guru
- 7. Pelajar promosi 2 – 10% Bagi-Hasil Sponsor investasi KAMPANYE SEBELUM LULUS < 18 bulan SESUDAH LULUS 30 bulan (cicilan minimum) Pinjaman: Rp 2jt – 10jt Bunga 0% (bila berpenghasilan) atau
- 8. SEBELUM LULUS < 18 bulan (Cicilan Minimum) SESUDAH LULUS 30 bulan (Cicilan Bagi-Hasil) Pinjaman = Rp 5juta Sebelum lulus = 3 bulan Sesudah lulus = 30 bulan Tenor pinjaman = 33 bulan Cicilan Bagi-Hasil Persentase Bagi-Hasil = 5% Bila penghasilan pelajar = Rp 4juta Cicilan Bagi-Hasil = Rp 4juta x 5% = Rp 200.000- /per bln Pengembalian maksimal ditetapkan Pelunasan awal diperbolehkan Jumlah bagi-hasil ditetapkan per tiap 3 bulan Cicilan Minimum – Bunga 0% Cicilan Minimum = Rp 5juta / 33 bulan = Rp 151.515,- /per bln ILLUSTRASI
- 9. Measurable impact 2.9x PENDAPATAN NAIK DIBANDINGKAN ORANG TUA Permanently breaking cycle of poverty Obtaining an education can triple earning power, lifting income beyond $10 a day. A micro student loan can create a lifetime impact.
- 10. media
- 11. DANA ABADI DANAdidik juga mempunyai dana abadi untuk menerima donasi pendidikan & zakat pendidikan Dana abadi ini akan bergilir setiap tahunnya DANA ABADI Pinjaman Pendidikan (student loan) Dana pengembalian akan digilir kembali fundraising
- 14. registration & application listing approve/reject pay registration Rp 55rb (US$ 4.0) psychometric test campaign Risk Management & Credit Scoring Reference from friends and institution Data verification when funding reaches 70% interview documentation data & documents continue campaign 100% withdraw fund Every 30th Sign pre-agreement (student & co-signor) info interest rate & key terms
- 15. Expected Outcome Vittana case study
- 16. These youth are destined to live with the harsh realities of poverty like their parents. They’re trapped without the education – trade & skills – that could break the cycle of poverty The cost of this education? IDR 10mn ($760). This is an insurmountable gap, equal to years of saving for a girl living on a few dollars a day. We can help bridge that gap. Hillary Puspitasari Hillary dreamed of being an international accountant. However, when her family went through financial distress, her dreams died with it. Because of DANAdidik US$ 380 loan, she graduated in 2016 More than 4 out 5 global youth live in poverty