Reinis Simanovskis - Danabijak - A New Era of Borrowing and Lending in Indonesia
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Danabijak is a peer-to-peer lending platform in Indonesia that has originated over IDR 50 billion in loans since 2016. It employs 70 people and has approved loans for over 10,000 unique borrowers with around a 10% approval rate. The presentation discusses the growth of fintech lending in Indonesia, providing context on the developing regulatory environment, growth of the peer-to-peer lending market, and benefits for both borrowers and lenders through platforms like Danabijak that offer alternative underwriting processes and better interest rates than traditional banks.
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- 1. A New Era of Borrowing and Lending in Indonesia Reinis Simanovskis Co-Founder Danabijak
- 2. Agenda Fintech Industry2 Intro on Me & Danabijak1 P2P Development in Indonesia3
- 3. My Bio Before coming to Indoensia worked as a Consultant in Europe & Africa Consulted Banking, Insurance & Telecommunications companies
- 4. Danabijak’s Story Background: • Registered OJK in June 2018 • Established since H2 2016 • 70 Employees Differentiation: • No hidden fees, flat interest rate • Bonus point system, allowing 60% discount on interest Traction: • IDR 50 bio loans originated • Established since H2 2016 • Personal Loans • >10’000 Unique Borrowers • About 10% Approval Rate • Few Individual Investors for Loan Portfolio
- 5. Agenda Fintech-Lending Industry2 Intro on Me & Danabijak1 P2P Development in Indonesia3
- 6. Fintech in the world 23% of all Fintech funding Globally go to Lending
- 8. Agenda Fintech Industry2 Intro on Me & Danabijak1 P2P Development in Indonesia3
- 9. P2P in Indonesia Regulatory • Regulation still developing, issued first last year • 1 Licensed Operator • 63 Registered Operators SME/Individual • 29 Lenders Focus on SMEs • 35 Lenders Focus on Individual About 25% are in to short-term Lending IDR 11.5 trill. / USD 798 mil. lent out in 2018 +50% yoy Expected to continue growing +30% yoy
- 12. Gains for Borrowers and Lenders Lenders/Investors • Can get 10-25% returns p.a. • More transparent process Borrowers • Can get loan online, mostly from smartphone • Can get loan in 1-5 days • Those without access to bank financing, now have a chance as startups are looking for alternative credit-scoring opportunities
- 13. Danabijak’s alternative UW process
- 14. Thank you! Please contact us for questions reinis@danabijak.com