iP2Pmoney is a peer-to-peer lending platform that offers Sharia-compliant financing products to borrowers in Malaysia. It was founded in 2015 by experienced professionals in banking and finance to address gaps in the Malaysian P2P market. iP2Pmoney aims to introduce new Sharia-compliant product offerings, provide transparent pricing and support the local Muslim community. The platform connects borrowers and investors through an online portal and automated processes for credit evaluation, loan bidding, documentation and repayment.
Borrowing money in today’s mortgage environment sucks for both banks and consumers. The costs to originate a mortgage have skyrocketed from $600 in 2003 to nearly $6,000 today. Consumers gained slightly better protection at the cost of crippling regulation that turns a simple mortgage application into a month-long migraine. We’re creating the first mobile app that gets you a home loan by only asking for three things: Name, social, submit. Our software reduces origination costs by 75% and underwriting costs by 50%, while enabling us to earn recurring servicing revenue. We do this in a frictionless process that saves the borrower 90% of their application time. Loanatik’s mission is to make the process of getting a mortgage quick, easy, and smooth while saving the consumer money, time, and future hand cramps from signing so much paperwork.
Creatroopers is a young and dynamic web agency, delivery awesomeness globally to business looking for digital marketing, web development and graphical design
Borrowing money in today’s mortgage environment sucks for both banks and consumers. The costs to originate a mortgage have skyrocketed from $600 in 2003 to nearly $6,000 today. Consumers gained slightly better protection at the cost of crippling regulation that turns a simple mortgage application into a month-long migraine. We’re creating the first mobile app that gets you a home loan by only asking for three things: Name, social, submit. Our software reduces origination costs by 75% and underwriting costs by 50%, while enabling us to earn recurring servicing revenue. We do this in a frictionless process that saves the borrower 90% of their application time. Loanatik’s mission is to make the process of getting a mortgage quick, easy, and smooth while saving the consumer money, time, and future hand cramps from signing so much paperwork.
Creatroopers is a young and dynamic web agency, delivery awesomeness globally to business looking for digital marketing, web development and graphical design
Digital Donations mission is to continuously develop “Alternative Payments and Fundraising Solutions” that allow consumers to make small donations as part of a financial transaction. Our passion for helping nonprofits through non-traditional methods provides a platform for those who wish to make a difference in the communities where they transact business.
Innovate Finance’s booklet ‘Celebrating Diversity in FinTech’ shines a spotlight on leading FinTech firms and institutions closing the diversity gap in FinTech and promoting inclusion within the workplace.
The booklet features 10 member companies including some of the world’s most successful and exciting FinTech businesses such as Bankable, Neyber, remittance companies Azimo and World Remit, leading banks Lloyds Banking Group and RBS.
Dr. Roland Folz, solarisBank - NOAH18 LondonNOAH Advisors
Fintech - Banking of the Future: Company Presentation by Dr. Roland Folz, CEO of solarisBank at the NOAH Conference 2018 in London, Old Billingsgate 30-31 October 2018.
Why financial services are more valuable in an ecosystem - solarisBank - NOAH...NOAH Advisors
FinTech & InsurTech: Company presentation by Roland Folz, CEO of solarisBank, at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
solarisBank is a banking platform with a full banking license, allowing companies to offer their own financial products.
Company profile:
https://www.noah-conference.com/company/solarisbank/
GOAT is a story of how a vertical marketplace serving a 'niche' can build a strong network and emerge as a global phenomenon. We explore how GOAT became the world’s largest sneaker marketplace while competing against the likes of Amazon.
Fintech, Online Brokerage & Online Betting - Presentation by Valentin Stalf, Co-Founder & CEO of N26 at the NOAH Conference London 2016, Old Billingsgate on the 11th of November 2016.
GoPlug created the World's First SMART power bank with AC (wall plug) power. This 27000mAh (98Wh), 110V or 220V power bank truly can Power Anything, Anywhere. The mobile app allows users a battery management solution, timer controlled powering, alert notifications, GPS, and G-sensors (movement alarm) for security.
Additionally, bags were designed along-side their revolutionary SMART power bank so they work seamlessly well together. These products will keep users connected and increase productivity, leading to increased revenue and eliminate stress for unproductive, frustrated, on-the-go professionals who constantly run out of power.
Digital Donations mission is to continuously develop “Alternative Payments and Fundraising Solutions” that allow consumers to make small donations as part of a financial transaction. Our passion for helping nonprofits through non-traditional methods provides a platform for those who wish to make a difference in the communities where they transact business.
Innovate Finance’s booklet ‘Celebrating Diversity in FinTech’ shines a spotlight on leading FinTech firms and institutions closing the diversity gap in FinTech and promoting inclusion within the workplace.
The booklet features 10 member companies including some of the world’s most successful and exciting FinTech businesses such as Bankable, Neyber, remittance companies Azimo and World Remit, leading banks Lloyds Banking Group and RBS.
Dr. Roland Folz, solarisBank - NOAH18 LondonNOAH Advisors
Fintech - Banking of the Future: Company Presentation by Dr. Roland Folz, CEO of solarisBank at the NOAH Conference 2018 in London, Old Billingsgate 30-31 October 2018.
Why financial services are more valuable in an ecosystem - solarisBank - NOAH...NOAH Advisors
FinTech & InsurTech: Company presentation by Roland Folz, CEO of solarisBank, at the NOAH Conference London 2019, 30-31 October, Old Billingsgate.
solarisBank is a banking platform with a full banking license, allowing companies to offer their own financial products.
Company profile:
https://www.noah-conference.com/company/solarisbank/
GOAT is a story of how a vertical marketplace serving a 'niche' can build a strong network and emerge as a global phenomenon. We explore how GOAT became the world’s largest sneaker marketplace while competing against the likes of Amazon.
Fintech, Online Brokerage & Online Betting - Presentation by Valentin Stalf, Co-Founder & CEO of N26 at the NOAH Conference London 2016, Old Billingsgate on the 11th of November 2016.
GoPlug created the World's First SMART power bank with AC (wall plug) power. This 27000mAh (98Wh), 110V or 220V power bank truly can Power Anything, Anywhere. The mobile app allows users a battery management solution, timer controlled powering, alert notifications, GPS, and G-sensors (movement alarm) for security.
Additionally, bags were designed along-side their revolutionary SMART power bank so they work seamlessly well together. These products will keep users connected and increase productivity, leading to increased revenue and eliminate stress for unproductive, frustrated, on-the-go professionals who constantly run out of power.
Knowlii is a travel app that connects users to local experts live and in real-time through a private chat.
Users then simply rate and tip based on the quality of the recommendations!
The subject of the project is a three-stage launch of state-of-the-art, multi-disciplinary, sports medical centers with multiple sports medical satellite centers across The Netherlands, Euregion and Europe.
Story Plant Media (SPM) is a production and creative development company that focuses on developing books, owned and published by SPM (third of which are on bestsellers lists), into full-production podcasts, theater, television, and film.
Dabble: Marketplace for Classes and ExperiencesJemal Swoboda
Dabble is an event technology & marketing platform building a marketplace for local classes and experiences. We are raising a round to fuel our growth. Join the party. Let's Dabble
SoftPay Mobile is one of Southeast Asia largest Mobile Point of Sale company operating in the Payment Facilitator space. We have presence in Vietnam and Indonesia. We aim to be the "Square" of SE Asia.
Credit Appraisal System IN Commercial Vehicle loans Undertaken at INDIA INFOL...Danish Dhaar
Summer Training Project Report on
Credit Appraisal System IN Commercial Vehicle loans
Undertaken at
INDIA INFOLINE FINANCE LTD
Submitted in Partial Fulfilment of the Requirement for the Award of the Degree of
Master of Business Administration
By
Danish Showkat Dhar
Roll No.14036113030
Reg. No.:-29437-IC-2011
Under The Supervision of
MR. Sachin Gupta
(AVP: CREDIT & OPS)
INDIA INFOLINE FINANCE LTD
DEPT. OF MANAGEMENT STUDIES
SOUTH CAMPUS UNIVERSITY OF KASHMIR
ANANTNAG
Tracxn Alternative Lending Landscape - India - July 2015Tracxn
Scope: This report covers companies providing Alternative Lending under Personal loans and Business loans sectors in India.
Interesting Insights:
- ~$27M invested across alternative lending companies in just the last 18 months
- ~30 companies across P2P Lending & SME Lending verticals with more than half founded in just the last 18 months
- Top funded sector: SME Lending (Capital Float ($16M), LendingKart ($9.5M), NeoGrowth ($4.6M))
- Investors: Sequoia Capital, Aspada Investments, SAIF Partners
TRACXN
Building the largest team of Analysts tracking startups globally for Venture Capital Funds.
www.tracxn.com
hi@tracxn.com
The attached Corporate profile gives you a detailed understanding about our services in the field of Investment Banking, Capital Raising and other consultancy services.
Brianna Knowledge Resources is an offshoot of an UK based Investment bank. It focuses on corporate training in Financial domain. For further details kindly visit www.brianna.co.in
With advent of growing business scale, cross border operations, legal ramifications associated and witnessed instances of growing corporate and accounting scandals, SOX compliance has been gaining importance towards need for top management to certify the accuracy of financial information, increased independence of the outside auditors who review the accuracy of corporate financial statements, and increased oversight role of boards of directors.
We at Riskpro do understand the need for corporates to be SOX complaint w.r.t compliance clauses, public disclosures, management certification and audit, training needs for your teams, hence we’re pleased to launch our SOX Risk Advisory Services in addition to our existing bouquet of Risk advisory, Consulting, Training & Human Capital Services. Our services are offered through our multi location delivery centres in major metros with total presence in 11 Indian cities network.
Similar to iP2Pmoney investor slidedeck feb2017 (20)
If you are looking for a pi coin investor. Then look no further because I have the right one he is a pi vendor (he buy and resell to whales in China). I met him on a crypto conference and ever since I and my friends have sold more than 10k pi coins to him And he bought all and still want more. I will drop his telegram handle below just send him a message.
@Pi_vendor_247
Resume
• Real GDP growth slowed down due to problems with access to electricity caused by the destruction of manoeuvrable electricity generation by Russian drones and missiles.
• Exports and imports continued growing due to better logistics through the Ukrainian sea corridor and road. Polish farmers and drivers stopped blocking borders at the end of April.
• In April, both the Tax and Customs Services over-executed the revenue plan. Moreover, the NBU transferred twice the planned profit to the budget.
• The European side approved the Ukraine Plan, which the government adopted to determine indicators for the Ukraine Facility. That approval will allow Ukraine to receive a EUR 1.9 bn loan from the EU in May. At the same time, the EU provided Ukraine with a EUR 1.5 bn loan in April, as the government fulfilled five indicators under the Ukraine Plan.
• The USA has finally approved an aid package for Ukraine, which includes USD 7.8 bn of budget support; however, the conditions and timing of the assistance are still unknown.
• As in March, annual consumer inflation amounted to 3.2% yoy in April.
• At the April monetary policy meeting, the NBU again reduced the key policy rate from 14.5% to 13.5% per annum.
• Over the past four weeks, the hryvnia exchange rate has stabilized in the UAH 39-40 per USD range.
how to sell pi coins at high rate quickly.DOT TECH
Where can I sell my pi coins at a high rate.
Pi is not launched yet on any exchange. But one can easily sell his or her pi coins to investors who want to hold pi till mainnet launch.
This means crypto whales want to hold pi. And you can get a good rate for selling pi to them. I will leave the telegram contact of my personal pi vendor below.
A vendor is someone who buys from a miner and resell it to a holder or crypto whale.
Here is the telegram contact of my vendor:
@Pi_vendor_247
US Economic Outlook - Being Decided - M Capital Group August 2021.pdfpchutichetpong
The U.S. economy is continuing its impressive recovery from the COVID-19 pandemic and not slowing down despite re-occurring bumps. The U.S. savings rate reached its highest ever recorded level at 34% in April 2020 and Americans seem ready to spend. The sectors that had been hurt the most by the pandemic specifically reduced consumer spending, like retail, leisure, hospitality, and travel, are now experiencing massive growth in revenue and job openings.
Could this growth lead to a “Roaring Twenties”? As quickly as the U.S. economy contracted, experiencing a 9.1% drop in economic output relative to the business cycle in Q2 2020, the largest in recorded history, it has rebounded beyond expectations. This surprising growth seems to be fueled by the U.S. government’s aggressive fiscal and monetary policies, and an increase in consumer spending as mobility restrictions are lifted. Unemployment rates between June 2020 and June 2021 decreased by 5.2%, while the demand for labor is increasing, coupled with increasing wages to incentivize Americans to rejoin the labor force. Schools and businesses are expected to fully reopen soon. In parallel, vaccination rates across the country and the world continue to rise, with full vaccination rates of 50% and 14.8% respectively.
However, it is not completely smooth sailing from here. According to M Capital Group, the main risks that threaten the continued growth of the U.S. economy are inflation, unsettled trade relations, and another wave of Covid-19 mutations that could shut down the world again. Have we learned from the past year of COVID-19 and adapted our economy accordingly?
“In order for the U.S. economy to continue growing, whether there is another wave or not, the U.S. needs to focus on diversifying supply chains, supporting business investment, and maintaining consumer spending,” says Grace Feeley, a research analyst at M Capital Group.
While the economic indicators are positive, the risks are coming closer to manifesting and threatening such growth. The new variants spreading throughout the world, Delta, Lambda, and Gamma, are vaccine-resistant and muddy the predictions made about the economy and health of the country. These variants bring back the feeling of uncertainty that has wreaked havoc not only on the stock market but the mindset of people around the world. MCG provides unique insight on how to mitigate these risks to possibly ensure a bright economic future.
USDA Loans in California: A Comprehensive Overview.pptxmarketing367770
USDA Loans in California: A Comprehensive Overview
If you're dreaming of owning a home in California's rural or suburban areas, a USDA loan might be the perfect solution. The U.S. Department of Agriculture (USDA) offers these loans to help low-to-moderate-income individuals and families achieve homeownership.
Key Features of USDA Loans:
Zero Down Payment: USDA loans require no down payment, making homeownership more accessible.
Competitive Interest Rates: These loans often come with lower interest rates compared to conventional loans.
Flexible Credit Requirements: USDA loans have more lenient credit score requirements, helping those with less-than-perfect credit.
Guaranteed Loan Program: The USDA guarantees a portion of the loan, reducing risk for lenders and expanding borrowing options.
Eligibility Criteria:
Location: The property must be located in a USDA-designated rural or suburban area. Many areas in California qualify.
Income Limits: Applicants must meet income guidelines, which vary by region and household size.
Primary Residence: The home must be used as the borrower's primary residence.
Application Process:
Find a USDA-Approved Lender: Not all lenders offer USDA loans, so it's essential to choose one approved by the USDA.
Pre-Qualification: Determine your eligibility and the amount you can borrow.
Property Search: Look for properties in eligible rural or suburban areas.
Loan Application: Submit your application, including financial and personal information.
Processing and Approval: The lender and USDA will review your application. If approved, you can proceed to closing.
USDA loans are an excellent option for those looking to buy a home in California's rural and suburban areas. With no down payment and flexible requirements, these loans make homeownership more attainable for many families. Explore your eligibility today and take the first step toward owning your dream home.
how can i use my minded pi coins I need some funds.DOT TECH
If you are interested in selling your pi coins, i have a verified pi merchant, who buys pi coins and resell them to exchanges looking forward to hold till mainnet launch.
Because the core team has announced that pi network will not be doing any pre-sale. The only way exchanges like huobi, bitmart and hotbit can get pi is by buying from miners.
Now a merchant stands in between these exchanges and the miners. As a link to make transactions smooth. Because right now in the enclosed mainnet you can't sell pi coins your self. You need the help of a merchant,
i will leave the telegram contact of my personal pi merchant below. 👇 I and my friends has traded more than 3000pi coins with him successfully.
@Pi_vendor_247
how can I sell pi coins after successfully completing KYCDOT TECH
Pi coins is not launched yet in any exchange 💱 this means it's not swappable, the current pi displaying on coin market cap is the iou version of pi. And you can learn all about that on my previous post.
RIGHT NOW THE ONLY WAY you can sell pi coins is through verified pi merchants. A pi merchant is someone who buys pi coins and resell them to exchanges and crypto whales. Looking forward to hold massive quantities of pi coins before the mainnet launch.
This is because pi network is not doing any pre-sale or ico offerings, the only way to get my coins is from buying from miners. So a merchant facilitates the transactions between the miners and these exchanges holding pi.
I and my friends has sold more than 6000 pi coins successfully with this method. I will be happy to share the contact of my personal pi merchant. The one i trade with, if you have your own merchant you can trade with them. For those who are new.
Message: @Pi_vendor_247 on telegram.
I wouldn't advise you selling all percentage of the pi coins. Leave at least a before so its a win win during open mainnet. Have a nice day pioneers ♥️
#kyc #mainnet #picoins #pi #sellpi #piwallet
#pinetwork
how to sell pi coins in South Korea profitably.DOT TECH
Yes. You can sell your pi network coins in South Korea or any other country, by finding a verified pi merchant
What is a verified pi merchant?
Since pi network is not launched yet on any exchange, the only way you can sell pi coins is by selling to a verified pi merchant, and this is because pi network is not launched yet on any exchange and no pre-sale or ico offerings Is done on pi.
Since there is no pre-sale, the only way exchanges can get pi is by buying from miners. So a pi merchant facilitates these transactions by acting as a bridge for both transactions.
How can i find a pi vendor/merchant?
Well for those who haven't traded with a pi merchant or who don't already have one. I will leave the telegram id of my personal pi merchant who i trade pi with.
Tele gram: @Pi_vendor_247
#pi #sell #nigeria #pinetwork #picoins #sellpi #Nigerian #tradepi #pinetworkcoins #sellmypi
What price will pi network be listed on exchangesDOT TECH
The rate at which pi will be listed is practically unknown. But due to speculations surrounding it the predicted rate is tends to be from 30$ — 50$.
So if you are interested in selling your pi network coins at a high rate tho. Or you can't wait till the mainnet launch in 2026. You can easily trade your pi coins with a merchant.
A merchant is someone who buys pi coins from miners and resell them to Investors looking forward to hold massive quantities till mainnet launch.
I will leave the telegram contact of my personal pi vendor to trade with.
@Pi_vendor_247
how to swap pi coins to foreign currency withdrawable.DOT TECH
As of my last update, Pi is still in the testing phase and is not tradable on any exchanges.
However, Pi Network has announced plans to launch its Testnet and Mainnet in the future, which may include listing Pi on exchanges.
The current method for selling pi coins involves exchanging them with a pi vendor who purchases pi coins for investment reasons.
If you want to sell your pi coins, reach out to a pi vendor and sell them to anyone looking to sell pi coins from any country around the globe.
Below is the contact information for my personal pi vendor.
Telegram: @Pi_vendor_247
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The secret way to sell pi coins effortlessly.DOT TECH
Well as we all know pi isn't launched yet. But you can still sell your pi coins effortlessly because some whales in China are interested in holding massive pi coins. And they are willing to pay good money for it. If you are interested in selling I will leave a contact for you. Just telegram this number below. I sold about 3000 pi coins to him and he paid me immediately.
Telegram: @Pi_vendor_247
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when will pi network coin be available on crypto exchange.DOT TECH
There is no set date for when Pi coins will enter the market.
However, the developers are working hard to get them released as soon as possible.
Once they are available, users will be able to exchange other cryptocurrencies for Pi coins on designated exchanges.
But for now the only way to sell your pi coins is through verified pi vendor.
Here is the telegram contact of my personal pi vendor
@Pi_vendor_247
how to sell pi coins on Bitmart crypto exchangeDOT TECH
Yes. Pi network coins can be exchanged but not on bitmart exchange. Because pi network is still in the enclosed mainnet. The only way pioneers are able to trade pi coins is by reselling the pi coins to pi verified merchants.
A verified merchant is someone who buys pi network coins and resell it to exchanges looking forward to hold till mainnet launch.
I will leave the telegram contact of my personal pi merchant to trade with.
@Pi_vendor_247
4. QUICK INTRODUCTION : WHAT IS CROWDFUNDING ? WHAT IS P2P LENDING ?
4
Peer to Peer Lending or 'P2P' is part of the crowdfunding family, but deals exclusively in loans
Strictly Confidential
Crowdfunding is the practice of funding a project, venture or personal needs by raising many small amounts of money
from a large number of people, via an online platform.
5. 5Strictly Confidential
ACCESS TO
AFFORDABLE CREDIT
FAST & EFFICIENT
DECISION
TRANSPARENCY &
FAIRNESS
SUPERIOR
CUSTOMER
EXPERIENCE
WHY DOES P2P LENDING WORKS ? : MORE EFFICIENT & ECONOMICAL
6. 6
RESULTS : P2P LENDING GROWING MARKET
Strictly Confidential
1%1%2%
5%
16%
31%
43%
P2P business lending P2P consumer lending
Invoice trading Equity crowdfunding
Community shares Rewards crowdfunding
Pension-led funding Debt-based securities
Donation crowdfunding
Although starting later than equity crowdfunding, P2P
lending (consumer lending, business lending &
invoice trading) is now the largest component,
comprising 90% of the crowdfunding family.
Crowdfunding Industry Components
8. 8Strictly Confidential
ABOUT US : OUR MISSION
When the founders first looked into the peer to peer market in early 2015, they noticed that, although the market
was growing strongly they were structural weaknesses. These weaknesses relate to lack of product offerings,
haphazard pricing levels and completely non-existent secondary trading. There was also no P2P lending
platform that provides Sharia compliant products for individuals.
iP2Pmoney was thus founded in the 3rd quarter of 2015. With a combined 75 years experience in banking,
factoring, credit underwriting, debt origination, bond trading, and fund management and in both Sharia and
conventional finance, the founders planned to make a difference and plug the gaps in the P2P lending market.
IP2Pmoney's mission thus are :
i) To introduce & promote the usage of a variety of sharia compliant finance products for different purposes.
ii) To actively support the Muslim community in the local markets by providing a platform that will provide quality
Sharia compliant investment opportunities to investors and flexible micro-financing to individuals.
iii) To give confidence to the users by adopting a bank-grade credit evaluation techniques, market orientated
pricing and later a proper secondary trading platform.
iv) To provide a complete dashboard and admin systems where informations are provided in seamless manner
allowing investors to better monitor their investments and borrowers to quickly apply for their loans.
9. 9Strictly Confidential
OUR BACKGROUND
RASHDAN IBRAHIM
ACADEMIC BACKGROUND
Bachelor of Arts (Honours) in
Accountancy Studies from Exeter
University, Exeter, U.K. from
1992 to 1995
PROFESSIONAL
BACKGROUND
Head of Capital Markets at Al
Bashayer Investment Company, Abu
Dhabi, UAE from 2011 to 2012
Investment Banking (Shariah &
Conventional)
Director at Capitas Group
International (a member of Islamic
Development Bank), Jeddah, KSA
from 2010 to 2011
Financial Advisory
Executive Vice President at Arab Real
Estate Co KSCC, Dubai, UAE from
2007 to 2010
Property Development
Chief Financial Officer at Pure
Investment Holdings Limited, Dubai,
UAE from 2006 to 2007
Property Development
Founder and Executive Director of
Arcap Inssef Limited, Labuan,
Malaysia from 2004 to 2006
Fund Management
Vice President and Head of
Institutional Clients Group at Deutsche
Bank, Kuala Lumpur, Malaysia from
1997 to 2003 Banking-Treasury
Assistant Fund Manager at
PETRONAS Group Treasury, Kuala
Lumpur, Malaysia from 1995 to 1997
Fund Management
LEE BOON WAH
ACADEMIC BACKGROUND
Professional Certificate from
Malaysian Foreign Exchange
Association.
PROFESSIONAL
BACKGROUND
Founder of Cofactors Sdn. Bhd., Kuala
Lumpur, Malaysia from 2013 to 2015 -
Islamic Factoring & SME Finance
Founder and Business Development
Director of El Nemr Capital Partners,
Kuala Lumpur, Malaysia from 2005 to
2013
Islamic Factoring & SME Finance
Head of Operations at Arcap Inssel
Ltd., Labuan, Malaysia from 2003 to
2005 - Fund Management
Assistant Treasurer at Deutsche Bank,
Kuala Lumpur, Malaysia from 2001
to 2013
Banking - Treasury
Operations Executive at Citibank,
Kuala Lumpur, Malaysia from 1989 to
2001 Banking - Operations
Executive at Development Bank of
Singapore, Singapore, from 1987 to
1988
Banking
OTHERS
Vice Chairman of Malaysian Factors
Association from 2010 to 2011.
MUHAMMAD RADZI
IBRAHIM
ACADEMIC BACKGROUND
Bachelor of Science (Honours) in
Actuarial Science from Universiti
Kebangsaan Malaysia,from 1989 to
1992
PROFESSIONAL
BACKGROUND
Founder of Cofactors Sdn. Bhd., Kuala
Lumpur, Malaysia from 2013 to 2015
Islamic Factoring & SME Finance
Founder and Operations Director at El
Nemr Capital Partners, Kuala Lumpur
Malaysia from 2005 to 2013
Islamic Factoring & SME Finance
Senior Manager at UB Co
Management Sdn. Bhd. Kuala Lumpur,
Malaysia from 1994 to 2001 -
Factoring & SME Finance
Loan Officer at MBf Finance Berhad,
Kuala Lumpur, Malaysia from 1992 to
1994 Consumer Finance
JAMES LOY
ACADEMIC BACKGROUND
Bachelor of Commerce (Major in
Accounting) from Australian National
University, Australia from 1994 to
1996
PROFESSIONAL
BACKGROUND
Vice President at RHB Investment
Bank Berhad, Malaysia from 2007 to
2015 Investment Banking (Shariah &
Conventional)
Senior Manager at Southern
Investment Bank Berhad, Malaysia
from 2000 to 2006 Investment
Banking (Shariah & Conventional)
Executive at MUI Group, Malaysia
from 1997 to 1999 Internal Audit
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10. OUR LENDING PRODUCTS : SHARIAH COMPLIANT PRODUCTS ONLY
10Strictly Confidential
Personal Secured
Loan (Tawarruq)
Loan Tenors :
6 month
to
12 months
Borrowers :
Individuals
Vehicle Rent to
Buy Loan (Ijarah)
Loan Tenors :
3 years
to
5 years
Borrowers :
Individuals
Personal Loan
(Tawarruq)
Loan Tenors :
6 months
to
2 years
Borrowers :
Individuals
First Batch of Products
Farm Credit
(Salam)
Loan Tenors :
6 months
to
2 years
Borrowers :
Individuals farmer
Housing Loan
(Musyaraka
Mutanaqisah )
Loan Tenors :
5 years
to
25 years
Borrowers :
Individuals
Second Batch of Products Third Batch of Products
11. 11Strictly Confidential
HOW IT WORKS ? : SIMPLE LENDING AND BORROWING PROCESS
ACTIVITIES
Borrower Verification
Borrower Credit Rating
Loan Pricing
Loan Tendering
Closing & Loan Documentation
Funding & Repayment
12. 12
HOW IT WORKS ? : SOURCING BORROWER & INVESTOR VIA ONLINE / OFFLINE
MARKETING MODEL
Strictly Confidential
13. HOW IT WORKS ? : OPERATIONAL MODEL
13
BorrowersInvestors
Pricing
Placement, Secondary Trading Platform,
Loyalty & Referral Program, Blog & direct
Q&A
Auction /
Bidding
Investor
Account
Management
Online Loans
Listing
Borrower
Account
Management
Online Signing
Online Process
Credit
Screening &
Due Diligence
Loan
Management,
Risk Monitoring
Credit Ratings
Loan Closing,
Documentation
Product structuring,
Pricing
Offline Process
Fund Movement
Online Process via 3rd
party trustee or banks
Strictly Confidential
14. Credit
Score A B C D E F
Indication
Very
Good
Good Average
Below
Average
Bad
Very
Bad
Each loan will be evaluated and assigned a credit score
to denote the risks of the loan. The credit score will
determine the level of pricing of the loan, Our current
bank-grade credit scoring model was developed
internally by the Founders, drawing on their long
experience in the banking industry. Our credit scoring
model is not static, its designed to be evolving, for
example we are now starting the process to incorporate
social media behavioral data (part of Big Data) in order
to ensure that our credit scoring model always remains
relevant to the changing market.
Tenor
6
months
9
months
12
months
18
months
24
months
Transaction
Fees 3.5% 4% 4.5% 5% 6%
IP2Pmoney generates it's income by charging a
Transaction Fee for every loan successfully executed.
The Transaction Fee is deducted upfront from the loan
proceeds and chargeable to the borrower. IP2Pmoney
does not charge any other fees. Once we introduced
longer tenor products (> 3 years) we will be charging
an additional periodic administration fee and once we
introduced our secondary trading platform we plan to
charge Transfer Fees.
HOW IT WORKS ? : CREDIT SCORE & INCOME
14Strictly Confidential
15. HOW IT WORKS ? : PAYMENT MECHANISM
15
INVESTORS WALLET
Lenders / Investors
Create own INVESTOR
WALLET by registering
payment/receiving account
Transfer funds into
Escrow A/C
Invest / make loans
(Debit investor wallet and Credit
borrower wallet)
Monthly Redemption / Profit
Payment
(Debit borrower wallet and Credit
investor wallet)
BORROWER WALLET
Borrower
WALLET SYSTEM
TRANSACTIONAL /
ESCROW
A/C
BORROWER
BANK A/C
INVESTOR
BANK A/C
Create own BORROWER
WALLET by registering
receiving/repayment account
TOP-UP
WALLET
(Credit Investor
wallet)
WITHDRAW
FROM
WALLET
Transfer funds into
INVESTOR BANK A/C
1
2
1
WITHDRAW
LOAN AMOUNT
FROM WALLET
(Debit Borrower wallet)
3 Bid on loan tender
4
Transfer loan amount
(minus iP2P's fees) into
BORROWER BANK A/C
7
6
TOP-UP
WALLET
(Credit Borrower
wallet)
Transfer funds into
Suspense A/C2
3
4
5
BANK
(Cash Management)
Escrow
services
OPERATIONAL A/C
iP2P's Fees5
Strictly Confidential
17. 17Strictly Confidential
INTRODUCTION : AIM, OBJECTIVES, TARGET MARKETS
• The aims of the 'Lo-cost managed franchise model' or "LCMFM" is to provide a complete business package for
local partners to operate a P2P lending business in their area.
• The LCMFM will spearhead both the Offline Marketing Model and the Word of Mouth Marketing Model.
• Since P2P lending is very new in our targeted markets, we have made LCMFM especially easy to be implemented
and easily managed. Our over-riding objective is to ensure minimal set-up costs and hassle free to our local
partners.
18. • To keep the operational costs low (transportation,
communication). The Lo-cost model will be a 'province,
state, regencies, district, large city' set-up rather than
country wide set-up.
• iP2P will operate a co-branded local platform with a Local
Partner based on the rules below :
1. This local franchise set-up will have its own branding BUT
in the logo there will be a caption "powered by" followed by
our iP2Pmoney logo (small).
2. The company must be domiciled in the province/state
3. The borrowers should resides in the province/state
4. Investors can be from the whole country (other province/
state).
5. There will also be a commission sharing or affiliate model so
that in the future if there are investors that was sourced or
registered in province A website, that invested in loans
listed in province B website, than province A will be entitled
to an affiliate income (from the fees charged by province B).
• The maximum population size for a franchise should not be
more than 10,000,000. Therefore densely populated
province or state will be sub-divided into regencies, districts
or even cities . Smaller provinces/states can be grouped to
make a larger one but the local partner should provide office
space in every provinces/states being grouped.
Co-branded Province set-up in Indonesia
18Strictly Confidential
INTRODUCTION : CO-BRANDED SET-UP
Ua
Co-branding
19. 19Strictly Confidential
HOW IT WORKS ? : MARKET / WALLET SIZE ESTIMATION
Province of Riau, province capital : Pekanbaru
Population : 5,538,367
Estimated active social media users : 1,661,510
% Targeted Age Group (20-49 years old) : 67.7%
Targeted number of active social media user in 1/2016 : 1,124,842
Targeted number of active social media user in 2017 : 1,237,326
Targeted number of active social media user in 2018 : 1,361,059
1st Year
Target number of loans : 600
Number of investments* : 6,000
Projected number of borrowers (1:1 ratio*) : 600 pax (0.048% of target active social media user)
Projected number of investors (1:5 ratio*) : 1,200 pax (0.097% of target active social media user)
Average loan size : Rp6,500,000 (USD 482)
Average investment portfolio size per investor : Rp3,250,000 (USD 241)
2nd Year
Target number of loans (2nd year) : 2,000
Number of investments* : 20,000
Projected number of borrowers (1:1 ratio*) : 2,000 pax (0.147% of targeted active social media user)
Projected number of investors (1:5 ratio*) : 4,000 pax (0.294% of targeted active social media user)
Average loan size : Rp7,000,000. (USD 520)
Average investment portfolio size per investor : Rp3,500,000 (USD 260)
*Assume maximum 10 investment for every loans
*1:1 ratio = 1 borrower : 1 loan
*1:5 ratio = 1 investor : 5 investments
20. Local
Company
Local Partner
Conduct
business
Lenders /
Borrowers
2
3
4
Provides operational P2P online platform
(Customised Front End Site & usage of and
additional server space on the back end
admin platform)
Provides SOPs to manage online & offline
loan administration activities
Day to day management of the P2P admin
system and local office.
Conduct online marketing & advertising.
Provide at least 1 dedicated employee
1
Offline client acquisition
5
1 Provides the use of a local company
Opening of a dedicated bank account for
operational purpose, a bank safety
deposit box and an escrow account with a
trustee (if required)
Provide a physical office space, 1 PC + 1
printer.
Provide a dedicated local phone number,
and broadband line.
Build local agency force & provide off-line
marketing support.
2
3
4
XX% of Distributable Profit
or
Licensing Fee (equivalent)
YY% of Distributable Profit
Upto 30% of Loan Success Fee
Offline**
Agents
** costs of setting up, managing
and operating the local agency
force is the responsibility of the
local partner.
20Strictly Confidential
LOCAL
PLATFORM
5
'Rider'income
HOW IT WORKS ? : WORKINGS & PROFIT SHARE
21. 21Strictly Confidential
HOW IT WORKS ? : OPERATIONAL P2P ONLINE PLATFORM
• The 'Lo-cost Franchise Model'
comprises of 3 components :
1. A Front End Local Partner Sites : which
is the local partner co-branded website
which has an objective to attract users to
register/sign-up as members with
iP2Pmoney.
2. User Dashboard System : once
registered, each member will have their
own dashboard, which allows them to
apply for loans / make an investment,
monitor their loans/investments, make
payments & withdrawals through their E-
wallets and manage their referral
program.
3. Admin/Management System : this is the
system that iP2Pmoney will use to
manage ALL aspects of the P2P
business. The User will register as
member directly with the Admin System.
All loan applications are made here &
documents uploaded here. IP2Pmoney
loan scoring model is incorporated in the
system and iP2Pmoney uses the system
to monitor every members and all the
loans and executes wallet transactions.
Admin / Management System
Front-end local partner sites
Direct Registration
and Login to Admin
System
Attract local members via targeted local on-line
marketing campaign and local off-line agents
User Dashboard System
23. 23Strictly Confidential
FINANCIALS PER LOCATIONS
Projected Loan Volume by Country
$0
$30,000,000
$60,000,000
$90,000,000
$120,000,000
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
$19,905,934
$10,635,564
$4,221,694
$997,074
$15,115
$41,696,677
$24,080,516
$11,541,184
$4,346,316
$642,105
$42,896,047
$23,562,022
$10,822,238
$3,718,137$445,356
INDIA Loan Volume INDONESIA Loan Volume PAKISTAN Loan Volume
Projected Net Revenue by Country
$0
$1,000,000
$2,000,000
$3,000,000
$4,000,000
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
$627,037
$335,020
$132,983
$31,408
$476
$1,313,445
$758,536
$363,547
$136,909
$20,226
$1,351,225
$742,204
$340,901$117,121$14,029
INDIA Net Revenue (after deducting Commision)
INDONESIA Net Revenue (after deducting Commision)
PAKISTAN Net Revenue (after deducting Commision)
Projected Number of LCMFM by Country
0
4
8
11
15
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
77
6
4
2
1212
10
8
5
1212
11
7
4
No. INDIA's LCMFM No. INDONESIA's LCMFM No. of PAKISTAN's LCMFM
24. 24Strictly Confidential
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
COUNTRY LCMFM
INDIA Loan Volume $445,356 $3,718,137 $10,822,238 $23,562,022 $42,896,047
% loan volume growth 735% 191% 118% 82%
INDIA Net Revenue (after deducting
Commision)
$14,029 $117,121 $340,901 $742,204 $1,351,225
INDIA PAT (after Royalties) -$7,829 $4,684 $332 -$162 $15
No. INDIA's LCMFM 4 7 11 12 12
No. of INDIA's LCMFM employees 4 7 17 22 28
INDONESIA Loan Volume $642,105 $4,346,316 $11,541,184 $24,080,516 $41,696,677
% loan volume growth 577% 166% 109% 73%
INDONESIA Net Revenue (after
deducting Commision)
$20,226 $136,909 $363,547 $758,536 $1,313,445
INDONESIA PAT (after Royalties) -$15,537 $11,788 $225 -$90 -$331
No. INDONESIA's LCMFM 5 8 10 12 12
No. of INDONESIA's LCMFM
employees
5 12 18 22 28
PAKISTAN Loan Volume $15,115 $997,074 $4,221,694 $10,635,564 $19,905,934
% loan volume growth 6,497% 323% 152% 87%
PAKISTAN Net Revenue (after
deducting Commision)
$476 $31,408 $132,983 $335,020 $627,037
PAKISTAN PAT (after Royalties) -$3,632 $2,144 $457 -$31 $84
No. of PAKISTAN's LCMFM 2 4 6 7 7
No. of PAKISTAN's LCMFM
employees
2 5 10 13 15
Total Loan Volume $1,102,576 $9,061,526 $26,585,116 $58,278,102 $104,498,658
% loan volume growth 722% 193% 119% 79%
Total Net Revenue $34,731 $285,438 $837,431 $1,835,760 $3,291,708
Total PAT -$26,998 $18,616 $1,014 -$283 -$232
IP2Pmoney
Royalty Income from Subsidiaries -$0 $71,942 $472,746 $1,207,234 $2,342,456
Subsidiaries Dividend $0 $0 $0 $0 $0
Capital Injection (Subsidiary &
LCMFM)
$213,538 $0 $100,000 $0 $0
HQ Operating Costs $335,823 $347,914 $371,519 $385,905 $414,252
Profit Before Interest & Tax -$335,824 -$275,972 $101,227 $821,329 $1,928,204
No of iP2Pmoney Employees 11 12 15 18 19
Notes :
1. We assumed that the business in all 3 countries will be
done based on LCMFM for primary loan origination &
investment. However there will be secondary trading
operations for India and Indonesia that will be launched on
July 2018.
2. The fee charged to borrowers is 4.5% of the loan amount
disbursed. For the profit sharing model 30% of the fee is
payable as agency fees. The transaction fee for secondary
trading is 2%, payable by both Investors and borrower.
There is also a 30% fee payable to agents.
3. IP2Pmoney revenue comes from the Royalty Fee payable
by the local companies / subsidiaries. Under the double tax
treaties between India and Malaysia, the withholding tax
for is 10%, between Indonesia and Malaysia, the
withholding tax is 10% and between Pakistan and
Malaysia, the withholding tax is 20%.
4. The high % loan growth from Year 1 to Year 2 for Pakistan
is misleading, since it only includes 2 originating months
for 2017. For Indian it's 9 months.
5. As P2P lending operations are regulated, iP2Pmoney will
open an office in those countries and will capitalise the
company as required by the authorities. P2P lending
regulations has already been introduced in Indonesia, we
expect India regulators to issue theirs by end of December
2017 and Pakistan to follow suite by December 2019.
6. IP2Pmoney expects to make a profit at end of the third
year of operations..
LOAN VOLUMES, REVENUE AND P&L
25. 25Strictly Confidential
IP2P MONEY PROJECTED PROFIT & LOSS
Projected Financials of iP2Pmoney
-$750,000
$0
$750,000
$1,500,000
$2,250,000
$3,000,000
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
$1,928,204
$821,329
$101,227
-$275,972-$335,824
-$414,252-$385,905-$371,519-$347,914-$335,823
$2,342,456
$1,207,234
$472,746
$71,942
-$0
Royalty Fee Income HQ Operating Costs Profit Before Interest & Tax
Notes :
1. Apart from Royalty Fee income,
iP2Pmoney source of funds can also
b e f r o m d i v i d e n d f r o m i t ' s
subsidiaries. The choice of
repatriating profit either in the form
of Royalty or Dividend depends on
t h e c o r p o r a t e t a x r a t e a n d
withholding tax.
2. HQ Operating Costs includes costs
of operating its Malaysia Operation
Office as well as the register office in
Bahrain.
3. IP2Pmoney expects to earn a profit
by the end of 3rd year of operations.
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
Royalty Fee Income -$0 $71,942 $472,746 $1,207,234 $2,342,456
Subsidiaries Dividend $0 $0 $0 $0 $0
HQ Operating Costs $335,823 $347,914 $371,519 $385,905 $414,252
Profit Before Interest & Tax -$335,824 -$275,972 $101,227 $821,329 $1,928,204
No of iP2Pmoney Employees 11 12 15 18 19
1
2
3
26. 26Strictly Confidential
PROJECTED TOTAL LOAN VOLUME AND NET REVENUE
Total Loan Volume
$0
$30,000,000
$60,000,000
$90,000,000
$120,000,000
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
$104,498,658
$58,278,102
$26,585,116
$9,061,526
$1,102,576
Total Loan Volume
Total Net Revenue
$0
$1,000,000
$2,000,000
$3,000,000
$4,000,000
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
$3,291,708
$1,835,760
$837,431
$285,438
$34,731
Total Net Revenue
27. 27Strictly Confidential
IP2PMONEY ENTERPRISE VALUE
Notes :
1. The Enterprise Value ("EV") is inferred based on 2 ratios used in the P2P loan industry, the EV
to Total Loans Ratio and the EV divide by Revenue Multiples. In the Lending Club IPO in the
U.S. The EV to total loans ratio used to evaluate Lending Club was 0.80 and the EV on
Revenue Multiples was 30X (times). In our case, we opted to use a more conservative EV to
Total Loans Ratio of 0.50 and an EV on Revenue Multiple of 20X (times).
2. An average of the 2 EVs inferred by the 2 ratios are then taken as the EV for the company.
3. We have also assumed an annual future capital raising exercises (Series A,B,C,D and E). The
Capital raised from these exercises will be used for : I) To provide liquidity in the secondary loan
market. II) Working capital (Operations), IT expansion & LCMFM expansion into other countries.
III) To purchase shares from the seed investor.
4. In undertaking these future capital raising exercise, the Founders and Seed Investors' equity
stakes in iP2Pmoney will be diluted by over 3 times.
31 Dec 2016 31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
Total Loan Volume $1,102,576 $9,061,526 $26,585,116 $58,278,102 $104,498,658
Total Net Revenue $34,731 $285,438 $837,431 $1,835,760 $3,291,708
EV to Loan (ratio) 0.50 0.50 0.50 0.50 0.50
EV (on loan ratio) $551,288 $4,530,763 $13,292,558 $29,139,051 $52,249,329
EV / Revenue 20.0 20.0 20.0 20.0 20.0
EV (on revenue multiple) $694,623 $5,708,762 $16,748,623 $36,715,204 $65,834,155
Average EV $3,000,000 $622,955 $5,119,762 $15,020,591 $32,927,128 $59,041,742
Shareholders Equity $3,000,000 $2,833,333 $3,847,046 $5,829,764 $10,176,145 $17,969,655
Series A Series B Series C Series D
Capital Raising $900,000 $0 $1,535,929 $3,004,118 $6,585,426 $11,808,348
Founders 70.00% 70.0% 49.0% 39.2% 31.4% 25.1%
Seed Investor 30.00% 30.0% 21.0% 16.8% 13.4% 10.8%
Series A 30.0% 24.0% 19.2% 15.4%
Series B 20.0% 16.0% 12.8%
Series C 20.0% 16.0%
Series D 20%
100.0% 100% 100% 100% 100% 100%
Capital Allocation
Capital use to provide
liquidity in the secondary
loans market
$0 $0 $506,856 $991,359 $2,173,190 $3,896,755
Capital use for Operations,
IT & LCMFM expansion
$900,000 $0 $506,856 $991,359 $2,173,190 $3,896,755
Capital use to purchase
Seed Investor's equity
$0 $522,216 $1,021,400 $2,239,045 $4,014,838
% Capital use to provide
liquidity in the secondary
loans market
0% 0% 33% 33% 33% 33%
% Capital use for
Operations, IT & LCMFM
expansion
100% 0% 33% 33% 33% 33%
% Capital use to purchase
Seed Investor's equity
0% 0% 34% 34% 34% 34%
Projected Enterprise Value & Shareholder's Equity
$0
$12,500,000
$25,000,000
$37,500,000
$50,000,000
31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
$18,136,322
$10,342,812
$5,996,431
$4,013,713
$3,000,000
$59,041,742
$32,927,128
$15,020,591
$5,119,762
$622,955
Average EV Shareholder's Equity
28. 28Strictly Confidential
SEED INVESTORS FUTURE CASH FLOWS
Notes :
1. A clause will be put in the agreement
allowing seed investors to exit their
investments from proceeds of the
annual fund raising. Founders are
prohibited from selling their shares
until after 5 years.
2. Throughout an investment period of
5 years, the seed investors will sell
down their shares for cash from 30%
initial shareholding to 10.8%
shareholding at the end of 5 years.
3. The IRR for the seed investor is
projected to be 89.15% per annum.
4. The remaining 10.8% shareholding
in the company is projected to be
worth nearly $6.34 million at the end
of 5 years.
31 Dec 2016 31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
Tenor (months) 0 12 24 36 48 60
Investment -$900,000
Share Disposal Proceeds $0 $522,216 $1,021,400 $2,239,045 $4,014,838
Valuation at end of Year 5 $6,348,168
Internal Rate of Return 1.000 0.521 0.271 0.141 0.074 0.038
NPV -$900,000 $0 $141,660 $144,309 $164,762 $397,173
IRR = 89.15%
2
3
4
1
Seed Investors Future Cash Flows
-$1,750,000
$0
$1,750,000
$3,500,000
$5,250,000
$7,000,000
31 Dec 2016 31 Dec 2017 31 Dec 2018 31 Dec 2019 31 Dec 2020 31 Dec 2021
$6,348,168
$0$0$0$0$0
$4,014,838
$2,239,045
$1,021,400
$522,216
$0$0 $0$0$0$0$0
-$900,000
Investment Share Disposal Proceeds Valuation at end of Year 5