1) The document discusses peer-to-business (P2B) lending as an alternative form of financing and investment in the digital era. P2B lending allows individual investors to invest small amounts in business loans and earn returns through monthly repayments. 2) It outlines the benefits of P2B lending for both borrowers and investors, including simplicity of the application process, product variation for different business needs, and less dependence on traditional sources of financing. 3) The risks of P2B lending are discussed, but the document asserts that reputable platforms can help mitigate repayment risk by evaluating borrowers' cash flows and collateral. It provides tips on choosing loans that match an investor's risk tolerance and financial

1. Jakarta Business Network Luncheon
1
Financing & Investing in Digital Era

2. 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
2

3. Business transformation in Digital Era
3

4. Transportation Transformation in Digital
Era
4

5. Financial Services Transformation in
Digital Era
5

6. Financing Transformation in Digital Era
6

7. Introducing Peer to Business Lending
7
BorrowerInvestor
Online Loan
Application
and
submission
of
Documents
Repayment + Interest
Dana Pinjaman
Credit
assessment
and loan
information
CROWDO
Loan

8. Benefit 1 in financing thru P2B Lending – Simplicity of
Process
8
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

9. Benefit 2 in financing thru P2B Lending – Product
Variation
9
Working
Order
Employee
Loan
Gold &
Gold
Jewellery
VehiclesInvoice &
AR

10. Fill standard
offer templates
Publish Online
Advertise via
social media
Access virtual
investor community
Reach $ target
Grow your
business
Smaller amounts of money from
many people to reach higher targets 10
Benefit 3 in financing thru P2B Lending – Less
Dependent

11. Investment Transformation in Digital Era
11
Deposit / Tabungan Gold / Emas Stocks / Bonds / Saham
Fixed Assets / Aset Tetap Other precious items

12. Direct Investment in Real Business by
Your own choice
12

13. ….investing in private deals has been limited to
the top 1% of investors
13
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

14. …and will be a game changer in the way
people can invest
14
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

15. With P2B Lending you can earn a steady fixed
income while supporting local economy
15
TYPE
FIXED INCOME
Monthly Repayment Loans
PURPOSE
BUSINESS LOAN
Working Capital Requirement / Project Financing
DURATION
SHORT TERM INVESTMENT
3 month to 12 months
What kind of returns can you expect?

16. P2B Loans offers competitive risk adjusted
returns to match your risk appetite
16
GOLD
LOAN
13% - 15%
INVOICE
LOAN
20% - 25%
PROJECT
LOAN
25% - 30%
0%
5%
10%
15%
20%
25%
30%
Inflation
3.02%

17. 17
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

18. What are the risks to private loan investing?
18
Online investment
Reputable P2P
Platform
Repayment Risk
Solid cash flow to
repay the loan
Quality of the
Collateral
Easiness to sell the
asset

19. 19
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 /
RETURN
HORIZON

20. Simple Investor Process
20
STEP 1
Apply to become
an Investor
STEP 3
Invest in
selected Loans
STEP 2
Top up your
Account

21. Portfolio monitoring of your investment
performance in smart dashboard
21
• Portfolio distribution
• Portfolio Performance
• Repayment history
• Cash-flow forecast
• Estimated return

22. 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)
22
Track Record: 3,500++ loans funded, investors from 70 countries

23. Peer To Business Lending give …..
 Earn an additional income with steady cash flow repayment
23
 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:

24. Case study:
24

25. www.crowdo.co.id
25
THANK YOU