This document discusses how a $100 investment in the crowdfunding platform sejutakaos.com could provide higher returns than traditional financial institutions. Sejutakaos.com focuses on connecting t-shirt sellers and buyers across Indonesia by providing an online catalog and escrow services. It requires a minimum $100 investment for 12 months with a projected 30% annual return. The platform taps into Indonesia's growing fashion industry, where internet and mobile access is widespread among the large and youthful population.