Sofis is a P2P lending platform operating in Indonesia, Singapore, the Philippines, and China, with varying bank and credit penetration rates. The platform offers a range of loans, including personal and business loans, and emphasizes an automated credit scoring and risk management system. Sofis has gained recognition as a top startup and maintains strategic partnerships with financial institutions.

1. P2P Lending Platform
SOFIS| info@sofis.id

3. Indonesia 4%
Singapore 37%
Philippines 3%
China 75%
BANK & CREDIT PENETRATION
Credit Penetration
Indonesia 20%
Singapore 98%
Philippines 27%
China 80%
Bank Penetration
*Source data from Global Financial Inclusion Database from World Bank Group

4. P2P PROCESS FLOW
Origination Fee
Servicing Fee
Reserved Fund Fee

5. SOLUTION
| HOME IMPROVEMENT LOAN |
| EQUITY MORTGAGE LOAN|
| EQUITY AUTO LOAN |
| MICRO LENDING |
| WORKING CAPITAL LOAN |
| CONTRACT FINANCING |
| INVOICE FINANCING |
| E COMMERCE FINANCING |
BUSINESS LOAN
PERSONAL LOAN

6. FEATURED PRODUCTS IN
BUSINESS LOAN
WORKING CAPITAL
LOAN
INVOICE FINANCING
LOAN
CONTRACT FINANCING
LOAN

7. FEATURED PRODUCTS IN
PERSONAL LOAN
MORTGAGE
DOWNPAYMENT
LOAN
AUTO
DOWNPAYMENT
LOAN
CREDIT CARD
PAYOFF LOAN
MICRO LENDING

8. COMPETITIVE ADVANTAGES
AUTOMATED
PROCESS FLOW
CONSERVATIVE &
COMPLETE
CREDIT SCORING
SYSTEM
ACCESS TO
INVESTORS
INSTANT
APPLICATION
& APPROVAL

9. FEATURES
• Instant Approval
• Loan Monthly Payment Simulation
• Auto Payment Reminder
• Interest Calculation
• Late Payment Calculation
• Automatic Loan Grading
BORROWER
• Loan Filtering
• Loan Portfolio Management
• Loan Origination, Analysis and Grading
• Risk Management Education
• Bank Custodian System
LENDER

10. PROFILE BORROWERS
INDIVIDUALS SMALL TO MEDIUM
ENTERPRISES

11. PROFILE LENDERS
HIGH NET WORTH
INDIVIDUALS
CORPORATION FINANCIAL INSTITUTION

12. LENDERS SHIELD
CREDIT SCORING RISK MANAGEMENT
KNOW YOUR CUSTOMERS

13. CREDIT SCORING
BANK OF INDONESIA
CREDIT SCORING
BEHAVIORAL
CREDIT SCORING
INTERNAL
LOAN ORIGINATION
CREDIT SCORING

14. MEDIA & SOCIAL EVENT
@FINSPIRE 2016 by MANDIRI CAPITAL – SOFIS IS CHOSEN TO BE THE TOP TEN BEST STARTUP

15. STRATEGIC PARTNERSHIP
@Bank Indonesia Fintech Office
With Mr. Imam T. Saptono,
President Director of BNI Syariah
Regular Event with UMKM
@SOFIS Office

16. MANAGEMENT TEAM
Harry Dhavilla
Chairman & Strategic Partner
Safaridin Salim
COO

17. THANK YOU
SOFIS| info@sofis.id