Perbandingan P2P Lending di Indonesia
Karena cepatnya perubahan serta perkembangan P2P lending di Indonesia, tulisan ini diperbaharui secara berkala. Tidak ada satupun website yang memberikan kompensasi finansial kepada saya, namun beberapa link disini merupakan link referral.
Terakhir diperbaharui: 11 November 2020
Dalam membandingkan dan memberi rekomendasi, saya akan mengacu pada beberapa faktor yang dijelaskan secara detail di artikel ini –>
Bagaimana Mengevaluasi Website P2P Lending
Versi Singkat
Apabila anda tidak memiliki banyak waktu untuk tulisan ini, lebih baik membaca artikel P2P Lending Terbaik Indonesia untuk rekomendasi cepat yang paling relevan saat ini.
Temukan P2P lending terbaik anda
Rekomendasi saya mungkin kurang cocok untuk anda, karena setiap orang punya preferensi berbeda-beda. Silakan buka file excel yang saya buat dibawah ini untuk melakukan seleksi sendiri berdasarkan kriteria umum yang tersedia.
Panduan menggunakannya baca disini
Database Lengkap P2P lending
Seorang pembaca bernama Goku berbaik hati membuatkan tabel database P2P lending, menggunakan data dari berbagai sumber termasuk blog ini. Tabel ini mungkin akan diperbaharui secara periodik dan bisa dilihat melalui link ini (disimpan dalam Google Sheets Publik). Baik Goku maupun saya bisa mengedit tabel tersebut, namun saya tidak bisa bertanggung jawab atas keabsahan informasi dalam tabel tersebut.
Catatan Perbandingan
Dibawah ini adalah catatan-catatan singkat untuk setiap website. Beberapa website memiliki ulasan (review) mendetail yang dapat dibaca sebagai informasi lebih lanjut. Karena banyaknya nama website di halaman ini, saya sarankan untuk menggunakan fungsi cari (CTRL F pada komputer) atau klik menu dibawah ini untuk menemukan website yang anda ingin lihat.
- Aktivaku
- Akseleran
- ALAMI
- Amartha
- Ammana
- Asetku
- Cashwagon
- Crowde
- Crowdo
- Danain
- Danamart
- Danamas
- Danalaut
- Easycash
- Esta Kapital
- Gradana
- Growpal
- iGrow
- Investree
- Koinworks
- Komunal
- Mekar
- Modalku
- Modalrakyat
- Tanifund
- Tokomodal
- Uangme
Koinworks
Kelebihan Koinworks
- Menawarkan jenis pinjaman dengan variasi yang beragam; mulai dari pinjaman personal, invoice financing, refinancing, pembelian barang, edukasi, permodalan, dan lain-lainnya
- Pinjaman selalu tersedia dan sering di update, tidak pernah sampai kehabisan pinjaman.
- Banyaknya pinjaman tenor pendek yang tersedia (mulai dari satu bulan).
- Pinjaman umumnya terdanai penuh dalam waktu yang relatif singkat (dibawah dua minggu).
- Minimal investasi hanya Rp100 ribu.
- Banyak fitur yang bisa diakses melalui desktop dan mobile apps.
- Memiliki fitur robo lending yang cocok untuk pemula yang malas memilih atau sedang belajar mendiversifikasi.
- Memberlakukan perlindungan dana yang melindungi modal investor apabila terjadi gagal bayar.
Kekurangan KoinWorks:
- Sejak melakukan rebranding, tidak lagi mendukung akses melalui desktop, fitur hanya lengkap di aplikasi saja
- Meskipun proses penggalangan dana cepat, namun proses disbursement ke borrower sangat lambat sehingga mempengaruhi likuiditas
- Karena tingginya jumlah investor, seringkali investor harus berebut untuk memilih jenis pinjaman tertentu (hanya tersisa yang kurang baik).
- Tidak ada pemberitahuan email mengenai pinjaman yang bermasalah.
- Interface nya cukup menakutkan untuk pemula.
Meskipun mengecewakan banyak orang belakangan ini, namun Koinworks sebenarnya masih bertahan menjadi salah satu p2p lending terbesar dengan fitur terlengkap di Indonesia: bisa beli SBN, emas, dan punya dua skema p2p. Pemula boleh mencoba Koinworks, namun sebaiknya hanya memilih produk Koinrobo saja, tidak perlu ikut koin P2P.
Informasi lebih lanjut, baca review lengkap KoinWorks disini.
Apabila tertarik, daftar di KoinWorks menggunakan kode referral saya 62507 untuk mendapatkan bonus.
Investree
Kelebihan Investree
- Website mudah untuk digunakan.
- Customer service merespon dibawah 24 jam dan memberikan jawaban yang mudah dipahami.
- Latar belakang perusahaan cukup kuat.
- Bisa membeli reksadana dan SBN
Kekurangan Investree
- Tidak tersedia banyak pinjaman dengan tenor pendek, serta kecepatan pendanaan tergolong lama, yaitu dua minggu s/d satu bulan karena nilai pinjaman yang besar.
- Minimal investasi Rp1 juta.
- Tidak ada kejelasan pinjaman mana saja yang dilindungi oleh asuransi
Investree bisa dibilang p2p terbesar di Indonesia, namun kurang bisa direkomendasikan karena tidak memberikan kepastian proteksi modal kepada lender, serta minimum pendanaan yang tinggi dan terbatasnya variasi pinjaman. Saya malah lebih sering menggunakan Investree untuk membeli surat berharga ritel.
Informasi lebih lanjut, baca review lengkap Investree disini.
Apabila tertarik, daftar di Investree menggunakan kode referral saya LJGZ3 untuk mendapatkan bonus.
Modalku
Kelebihan Modalku:
- Menyediakan pinjaman dari perusahaan dengan industri yang beragam seperti kuliner, logistik, perhotelan, dan lainnya. Cocok untuk diversifikasi maupun investor pemilih.
- Pilihan pinjaman tenor pendek beragam (mulai dari satu bulan), serta pinjaman umumnya terdanai penuh dalam waktu yang relatif singkat (dibawah satu minggu).
- Memiliki fitur autoinvest yang akan memutarkan uang anda secara otomatis pada pinjaman yang tersedia.
- Website memberikan informasi yang komprehensif dan User Interface pada mobile apps mudah untuk dipahami.
Kekurangan Modalku:
- Jumlah investor lebih banyak dibandingkan dengan jumlah pinjaman yang tersedia, sehingga pinjaman cepat habis apabila tidak menggunakan fitur autoinvest.
- Customer service bisa dihubungi melalui chat via website, namun responnya bisa lambat – diatas 24 jam.
- Tidak ada jaminan modal akan terlindungi sepenuhnya, apabila terjadi gagal bayar mereka hanya akan berusaha menagih tanpa berjanji apa-apa.
- TKB90 sempat turun parah
Modalku, meskipun merupakan perusahaan multinasional , namun cukup mengecewakan dari awal sampai akhir. Sering berebutan pinjaman, tidak ada perlindungan modal, dan tidak ada perbaikan selama bertahun-tahun. Saya sendiri hanay merasakan rugi di p2p ini.
Informasi lebih lanjut, baca review lengkap Modalku disini.
Apabila tertarik, daftar di Modalku menggunakan kode referral saya jdq73oc9 untuk mendapatkan bonus.
Akseleran
Kelebihan Akseleran
- Menyediakan pinjaman dari perusahaan dengan industri yang beragam seperti kuliner, logistik, perhotelan, dan lainnya. Cocok untuk diversifikasi atau pilih-pilih.
- Tingkat pengembalian rata-rata cukup tinggi dibandingkan p2p produktif lainnya
- Relationship Manager bisa dihubungi lewat Whatsapp dan sangat sigap menjawab pertanyaan anda. Mereka bersedia mengajarkan anda tentang P2P lending dari awal!
- Interface website dan mobile apps sangat user friendly dan mudah untuk digunakan sehingga mendukung proses belajar bagi investor baru.
- Mereka sangat sangat (benar-benar sangat) transparan bila terjadi keterlambatan pembayaran, dengan memberikan informasi selengkap-lengkapnya perihal usaha penagihan dan mitigasi risiko.
- Menerapkan asuransi perlindungan modal dan penggantian modal menggunakan dana provisi
Kekurangan Akseleran
- Pinjaman dengan bunga yang tinggi merupakan permodalan online store di marketplace Tokopedia dan Bukalapak sehingga memiliki risiko lebih tinggi.
- Rasio peminjam dan pendana sudah tidak seimbang sehingga mau mendanai di Akseleran perlu berebutan atau menggunakan autolending
Akseleran adalah salah satu rekomendasi terbaik saya untuk segmen produktif UKM, yang sangat cocok digunakan oleh pemula
Informasi lebih lanjut, baca review lengkap Akseleran disini.
Apabila tertarik, daftar di Akseleran menggunakan kode referral saya AKSLADRIAN13403 untuk mendapatkan bonus.
Asetku
Kelebihan Asetku:
Kelebihan Asetku
- Tersedia berbagai tenor sesuai selera
- Ratusan RM yang siap membantu
- Bonus pendanaan berlimpah limpah
- Bebas biaya setor dan tarik
- Anti gagal bayar
Kekurangan Asetku
- Belakangan ini sering berebutan kuota pinjaman
- Kualitas rm tidak seragam, ada yang oke ada yang tidak
- Tidak memiliki website interface
- Dinilai kurang transparan dan kurang etis oleh golongan tertentu
- Minimum investasi lumayan tinggi
Memiliki fanbase maupun haters club yang sama-sama fanatik, sudah dapat dipastikan Asetku adalah p2p lending paling eksis se-Indonesia. Namun menurut saya Asetku memang p2p konsumtif terbaik saat ini.
Informasi lebih lanjut, baca review lengkap Asetku disini.
Apabila tertarik, download Asetku di Play Store/App Store dan gunakan kode referral saya WVQXQ untuk mendapatkan bonus.
iGrow
Kelebihan iGrow:
- Beberapa kali saya mengalami masalah teknis saat melakukan investasi, namun tim customer servicenya sangat tanggap. Bonus poin karena mereka TIDAK menggunakan macro! (Macro adalah kalimat preset yang umumnya digunakan customer service).
- Anda boleh berbangga berinvestasi di iGrow karena turut membawa dampak sosial yang cukup baik.
- Bisa alokasi wakaf otomatis.
- Menjunjung transparansi tinggi karena bisa berkomunikasi dengan surveyor dan petani langsung, serta mendapat laporan proyek secara rutin.
Kekurangan iGrow
- Akad syariah namun belum sertifikasi syariah
- Projek yang tersedia sedikit dan tidak konsisten muncul
- Likuiditas rendah karena tenor pinjaman panjang
Konsep iGrow memang membuat investor menjadi petani digital, sehingga semua asetnya merupakan tanaman pertanian. Meskipun saya sendiri memiliki portfolio cukup besar di iGrow, Sulit untuk merekomendasikan iGrow sebagai pilhan investasi utama. Lebih cocok dijadikan sarana wakaf (yang memang disediakan) dan investasi sosial.
Informasi lebih lanjut, baca review lengkap iGrow disini.
Apabila tertarik, daftar di iGrow menggunakan kode referral saya IGWSIA1980 untuk mendapatkan bonus.
Crowde
Kelebihan Crowde
- Tidak ada
Kekurangan Crowde
- Pelayanan tim maupun kinerja manajemen yang luar biasa buruk
- Tingkat kerugian investor yang sangat parah
- Banyak masalah teknis di website mereka
Jangan investasi di Crowde. Titik. Kalau memang anda nekat, maka silakan gunakan kode referral saya FNYTMZK, tapi jangan menyalahkan saya bila anda rugi total.
Informasi lebih lanjut, baca review lengkap Crowde disini.
Aktivaku
Kelebihan Aktivaku
- Tenor yang ditawarkan tidak ada yang melebihi 3 bulan.
- Tampilan Aktivaku bersih dan sederhana.
- Punya beberapa jenis produk pinjaman yang bisa didanai
Kekurangan Aktivaku
- Jumlah pinjaman di Aktivaku sangatlah sedikit. Sebulan sekali mungkin muncul satu buah pinjaman saja.
- TKB90 hancur berantakan, kemungkinan terburuk dibanding semua p2p lending lainnya
- Tidak pernah menjalin relasi dengan khalayak publik
Aktivaku sejak peluncuran sampai sekarang tidak pernah mendapat momentum eksistensi, sehingga sulit direkomendasikan karena banyaknya pemain serupa yang lebih bereputasi.
Informasi lebih lanjut, baca review lengkap Aktivaku disini.
Amartha
Kelebihan Amartha:
- Pemain senior di Indonesia
- Asuransi kredit opsional, asuransi jiwa gratis (bagi si borrower)
- Pembayaran bunga dan modal secara mingguan
- Dampak sosial baik menyasar kaum mikro
Kekurangan Amartha
- Restrukturisasi merugikan lender sejak pandemi COVID-19
- Hampir semua tenornya panjang yakni 50 minggu.
- Minimal investasi cukup tinggi, diatas 2 juta rupiah
- Kurangnya transparansi dan informasi tentang borrower
- Akad syariah, namun belum sertifikasi syariah
Pemain lama yang cukup bereputasi, namun sejak pandemi mereka banyak mengecewakan lender lama mereka. Sebenarnya untuk lender baru, anda boleh saja mencoba Amartha karena pinjaman baru yang tersedia sudah bebas dari masalah restrukturisasi. Karena terlanjur ‘nyangkut’ banyak di Amartha, saja sudah tidak nambah disini lagi.
Informasi lebih lanjut, baca review Amartha disini.
Apabila tertarik, daftar di Amartha menggunakan link ini untuk mendapatkan bonus (masukkan kode referral
IL035033 bila diminta).
Mekar
Kelebihan Mekar
- Bisa dibilang salah satu p2p teraman di Indonesia
- Reputasi perusahaan kuat
- Dampak sosial baik
- Pinjaman senantiasa tersedia untuk didanai
Kekurangan Mekar
- Retur kurang kompetitif
- Tenor pinjaman panjang-panjang
- Navigasi website cukup memusingkan
- Tidak pernah lagi memberikan promo
Meskipun likuiditas dan returnya buruk, nyatanya Mekar merupakan p2p lending yang paling aman untuk dana anda, dengan TKB90 yang selalu di angka 100% serta jaminan berlapis-lapis yang melindungi pokok modal anda.
Informasi lebih lanjut, baca review lengkap Mekar disini.
Apabila tertarik, daftar di Mekar menggunakan kode referral saya ADRIA2476 untuk mendapatkan bonus.
Eashcash
Kelebihan Easycash
- Likuiditas yang sangat baik dengan ketersediaan tenor pendek
- Salah satu retur tertinggi di dunia p2p Indonesia
- TKB90 100% sejak berdiri
Kekurangan Easycash
- Adanya keterbatasan kuota pendanaan
- Tim support yang sulit dicari dan misterius
- Latar belakang perusahaan yang kurang kredibel
Easycash adalah primadona likuiditas dan retur, selama anda percaya dengan latar belakang mereka yang selalu buram dan misterius selama bertahun-tahun
Informasi lebih lanjut, baca review lengkap Easycash disini
Danain
Kelebihan Danain
- Pinjaman selalu tersedia secara banyak
- Bisa dibilang nihil risiko
- Potensi retur sampai 120%
Kekurangan Danain
- Retur maupun tenor tidak konsisten
- Tenor maksimal 4 bulan, cukup panjang untuk kategori konsumtif
- Desain website amburadul
danaIN bisa dibilang tidak memiliki risiko karena memanfaatkan agunan emas sebagai proteksi modal lender. Kerjasama dengan ekosistem anak perusahaan mereka juga berarti lender tidak pernah terkena risiko telat bayar. Apabila keamanan dana adalah yang terutama, maka Danain pilihan terbaik anda.
Informasi lebih lanjut, baca review lengkap danaIN disini.
Apabila tertarik, daftar di danaIN menggunakan kode referral saya 12552 untuk mendapatkan bonus.
Modalrakyat
Kelebihan Modalrakyat
- Tenor bervariasi dengan ketersediaan tenor pendek
- Berbagai jenis produk pinjaman mulai dari personal sampai korporat
- Perlindungan modal via asuransi untuk produk tertentu
- Desain website dan aplikasi yang sangat bagus
- Minimum investasi terjangkau hanya 25rb
Kekurangan Modalrakyat
- Sering berebutan pinjaman
- Retur kurang kompetitif dibanding pemain serupa
Bagi yang ingin mendanai pinjaman jangka pendek tapi tidak suka pinjaman konsumtif seperti Asetku atau Easycash atau terbentur keterbatasan dana, maka akan cocok berinvestasi di Modal Rakyat karena banyaknya pinjaman dengan tenor mingguan yang bisa didanai dengan uang 25rb rupiah saja,
Informasi lebih lanjut, baca review lengkap Modal Rakyat disini.
Apabila tertarik, daftar di Modal Rakyat menggunakan kode referral saya
AS1817506638.
Crowdo
Kelebihan Crowdo
- Transparan soal peminjam maupun kondisi pinjaman macet
- Menerima pendanaan dengan mata uang asing
- Perusahaan multinasional
Kekurangan Crowdo
- Pinjaman lama banyak macet dan nyangkut sampai sekarang
- Tidak ada tim yang bisa sigap dihubungi
- Interface website yang luar biasa sulit dipahami
Crowdo cukup membuat pusing banyak lender lama karena tingginya pinjaman macet di tahun 2019, namun untuk pinjaman terkini sudah dicover oleh asuransi. Saya sendiri tidak suka Crowdo karena mereka terkesan tidak serius menggarap market Indonesia (tidak ada kantor tetap, staf terbatas, tidak pernah ada event, dll)
Informasi lebih lanjut, baca review Crowdo disini
Apabila tertarik, Daftar di Crowdo dan gunakan kode referral U051549 untuk mendapat bonus.
Growpal
Kelebihan Growpal
- Data proyek sangat transparan dan lengkap serta dilengkapi grafik interaktif yang saya rasa perlu dicontoh oleh website lain.
- Pembaca saya banyak yang bercerita pengalaman baik dengan Growpal
- Retur bisa dibilang cukup tinggi
Kekurangan Growpal
- Minimum investasi yang tidak konsisten jumlahnya, bahkan bisa mencapai puluhan atau ratusan juta.
- Semua proyek di Growpal memiliki tenor diatas satu tahun.
- Customer servicenya membutuhkan waktu satu bulan untuk membalas pertanyaan saya.
Apabila anda punya panggilan hati untuk mendanai proyek perikanan di Indonesia, maka Growpal menjadi pilihan yang tepat. Apabila tidak, lebih baik mendanai di website lain saja.
Informasi lebih lanjut, baca review mendalam Growpal disini.
Danamart
Kelebihan Danamart
- Latar belakang perusahaan yang kuat – hasil dari Binus Creates.
- Saya kenal langsung orang orang dibelakangnya, dari staf dasar sampai pemegang saham.
- Ada tim relationship manager yang membantu investor.
- Detail peminjam yang cukup mendetail terutama untuk produk pinjaman pendidikan
Kekurangan Danamart
- Pinjaman yang tersedia sangat sedikit
- Tidak pernah ada pinjaman yang diberikan grade A
Danamart berkembang pesat dengan berbagai macam produk pinjaman yang ditawarkan, namun tingginya dana dari lender institusi membatasi partipisasi lender retail. Danamart cocok untuk lender dengan dana besar yang bersedia mengikuti program superlender mereka.
Informasi lebih lanjut, baca review mendalam Danamart disini.
Apabila tertarik, daftar di Danamart menggunakan kode referral saya asiaril.
Danamas
Kelebihan Danamas
- Perusahaan p2p paling senior di Indonesia
- Tersedia tenor pinjaman dari 10 hari sampai bulanan
- Asuransi otomatis untuk melindungi modal lender
Kekurangan Danamas
- Harus berebutan mendanai karena banyaknya lender
- Website cukup banyak masalah teknis, jadi lebih baik gunakan aplikasi
- Nominal pendanaan harus kelipatan 1 juta rupiah/li>
Danamas sudah layak direkomendasikan karena ketersediaan pinjaman sudah mulai normal lagi, dengan variasi tenor yang lebih bervariatif. Tapi jangan berharap banyak tentang pelayanan Danamas, karena kita yang butuh Danamas, bukan sebaliknya
Informasi lebih lanjut, baca review mendalam Danamas disini
Gradana
Kelebihan Gradana:
- Satu satunya P2P lending berbasis properti di Indonesia.
Kekurangan Gradana:
- Benar-benar jarang tersedia pinjaman disini.
- Tenor cenderung panjang.
- Tidak ada proteksi modal dalam bentuk apapun
Gradana memiliki proposi unik dengan menyediakan pinjaman berbasis properti. Namun proposisi unik tersebut tidak berhasil meyakinkan saya untuk mendanai disini
Informasi lebih lanjut, baca review Gradana disini
Tertarik? Daftar di Gradana menggunakan kode referral saya AS0302191555 dan dapatkan bonus.
Danalaut
Kelebihan DanaLaut:
- Jumlah minimal investasi yang lumayan terjangkau – dimulai dari Rp25 ribu.
- Design website yang menarik dan mudah digunakan.
- Analisa pinjaman yang transparan dan informatif.
Kekurangan DanaLaut:
- Jumlah pinjaman relatif sedikit.
- Latar belakang perusahaan yang tergolong baru.
- Website sering masalah teknis
Keunggulan utama DanaLaut adalah nominal minimal investasinya yang cukup rendah untuk lending berbasis kelautan. Lending kelautan lain seperti Growpal memiliki nominal investasi cukup besar sehingga menutup peluang bagi mereka yang memiliki modal minim namun ingin mendukung kelautan Indonesia lewat investasi mereka.
Informasi lebih lanjut, baca review lengkap DanaLaut disini.
Tertarik? Daftar di DanaLaut dan gunakan kode referral saya 92737444 untuk mendapat bonus
Tanifund
Kelebihan Tanifund
- Variasi Tenor yang bermacam-macam meskipun bergerak di bidang pertanian
- Design website yang sangat interaktif dan modern
- Satu-satunya p2p lending pertanian yang masih menjaga tingkat gagal bayar seminimal mungkin
Kekurangan Tanifund
- Pinjaman yang tersedia umumnya sangat sedikit.
- Kurang sosialisasi dengan lender
TaniFund bisa dibilang pemimpin di P2P lending agrikultur yang masih bisa dengan bangga memajang TKB90 sebesar 100%. Bila anda punya kepedulian khusus di bidang agrikultural, maka Tanifund adalah pilihan terbaik
Informasi lebih lanjut, baca review lengkap TaniFund disini.
Tertarik? Daftar di TaniFund dan gunakan kode referral saya 7388548 untuk mendapatkan bonus awal.
Tokomodal
Kelebihan Toko Modal:
- Likuiditas yang luar biasa tinggi karena tenor yang singkat-singkat.
- Dampak sosial yang bagus.
- Model bisnis yang bekerjasama dengan mitra terpercaya
Kekurangan Tokomodal
- Anda akan sangat kesulitan mendapat pinjaman disini. (berebutan)
- Website dipenuhi masalah teknis.
- Latar belakang perusahaan tidak jelas.
Toko Modal memiliki keunggulan yang belum terkalahkan oleh P2P lending lainnya: likuiditas yang luar biasa tinggi. Saya belum menemukan P2P lending produktif lain dengan likuiditas yang setinggi Toko Modal. Sayangnya anda perlu berebutan untuk mendanai disini.
Informasi lebih lanjut, baca review lengkap Toko Modal disini.
Uangme
Kelebihan Uangme
- Jumlah pinjaman yang saat ini tidak ada habisnya
- Menyediakan tenor lengkap, dari pendek sampai menengah
- Bunga yang disajikan cukup kompetitif
- Skema referral yang menarik
Kekurangan Uangme
- Minimal investasi Rp1 juta rupiah, cukup besar dibanding pemain lainnya
- Latar belakang perusahaan yang cukup tertutup dan belum dikenal baik oleh saya maupun publik
- Bunga seringkali berubah-ubah
Uangme adalah pemain baru yang mendadak eksis karena mengambil momentum yang tepat – ia hadir sebagai alternatif terbaik Asetku sejak Asetku menerapkan kuota pendanaan yang membuat pusing semua orang.
Informasi lebih lanjut, baca review lengkap UangMe disini.
Daftar di Uangme menggunakan kode referral saya 7627 untuk mendapatkan bonus.
Komunal
Kelebihan Komunal
- Desain antarmuka yang sangat mudah digunakan dan menyenangkan.
- Mengikuti anjuran OJK untuk beroperasi diluar Jabodetabek, sehingga potensi growth nya lebih tinggi karena ‘menghindari persaingan.
- Sistem maupun tim sangat transparan dan informatif kepada lender
Kekurangan Komunal
- Asuransi bersifat opsional dan harus bayar ekstra
- Minimal investasi tergolong cukup besar
- Pinjaman yang tersedia cukup terbatas
Komunal adalah pendatang baru yang membuat pilihan P2P lending produktif non-UMKM semakin banyak. Saat ini saya belum menemukan hal yang bisa membuat Komunal ”stand out” atau menjadi berbeda sendiri, selain daripada lokasinya yang bertempat di luar Jabodetabek. Kendati demikian Komunal juga belum punya kekurangan signifikan.
Informasi lebih lanjut, baca review lengkap Komunal disini.
Cashwagon
Kelebihan Cashwagon
- Dulunya memiliki retur tertinggi se Indonesia
- Tenor yang sangat singkat
Kekurangan Cashwagon
- Sekarang sudah tidak menerima pendanaan
- Kurangnya transparansi soal peminjam dan model bisnis
Cashwagon sedang menutup pendanaan maupun pendaftaran karena ada masalah teknis dan legal. Semoga mereka bisa kembali secepatnya.
ALAMI
Kelebihan ALAMI
- TKB90 100% sampai sekarang
- Satu dari dua p2p lending syariah berizin
- Sangat transparan perihal seleksi peminjam
Kekurangan ALAMI
- Ketersediaan pinjaman terbatas
Bila anda hanya ingin mendanai di p2p lending syariah berizin, maka pilihan anda tidak banyak. ALAMI lebih baik daripada satu-satunya pesaing mereka karena TKB90 mereka berhasil bertahan di 100%
Esta Kapital
Kelebihan Esta Kapital:
- Dampak sosial ekstra baik
- Pendanaan yang senantiasa tersedia
- Latar belakang perusahaan yang kuat
- Program referral yang sangat menarik
Kekurangan Esta Kapital:
- Program asuransi belum berjalan dan nantinya bersifat opsional (bayar ekstra)
- Pinjaman tidak bervariasi dengan tenor panjang
- Nominal investasi cukup tinggi
- Desain website kurang intuitif
Rekomendasi:
Esta Kapital memang tidak sempurna dan banyak yang perlu dibenahi, tapi setidaknya memberikan pengalaman mendanai tanpa masalah dan desain sederhana. Pesaing utama Esta Kapital, meskipun jauh lebih senior, namun banyak melakukan blunder balakangan ini, jadi mungkin akan banyak lender disana yang pindah hati kesini.
Siapa yang cocok mendanai disini?
- Lender Amartha yang mau pindah hati karena kecewa
- Mereka yang punya kepedulian khusus pada UMKM rintisan wanita
Bagaimana dengan Alokasi Saya?
Setiap orang punya strategi investasi yang berbeda-beda, namun apabila anda penasaran bagaimana anda mengatur uang saya di P2P lending, maka saya bocorkan:
Saat ini sekitar 20% uang saya diinvestasikan di P2P lending, dimana 80% lainnya disebarkan di aset lain seperti asuransi, reksadana, emas, dan lain – lainnya.
Dari 20% alokasi P2P lending ini, mayoritas saya alokasikan di Asetku, disusul Danamart karena saya kenal Danamart luar dalam, lalu setelahnya Akseleran (meskipun mayoritas saldo disini merupakan hasil referral), disusul Esta Kapital dan Danain dengan nominal yang seimbang. Ada juga uang receh saya yang berkeliling berbagai macam P2P lending seperti ModalRakyat, Komunal, dan lain-lainnya untuk keperluan ulasan website ini.
Untuk meminimalkan risiko, saya menyarankan menyebarkan uang anda di website-website yang anda suka secara personal. Baca artikel ini untuk penjelasan lebih lanjut.
Rekomendasi Versi Syariah
Saya terus terang kesulitan memberi rekomendasi syariah karena tidak tahu kriteria apa yang bisa digunakan untuk menilai dari segi syariah. Bahkan rekan rekan saya yang berlatar belakang syariah pun sulit menentukan P2P lending yang paling syariah.
Ammana merupakan p2p lending syariah pertama dan satu-satunya, namun dilanda masalah banyak pinjamannya yang telat bayar sehingga kurang bisa direkomendasikan.
Menurut saya pribadi, iGrow adalah P2P lending yang paling syariah, karena skema pendanaannya adalah permodalan tanaman sehingga bisa dibilang tanpa unsur riba. Return anda murni dipengaruhi hasil penjualan hasil panen, tidak dijanjikan di muka.
Apabila tidak suka iGrow, maka bisa mencoba Amartha, Mekar, dan Investree.
Baca Juga
Bagaimana Diversifikasi di P2P Lending
Thanks review atas Akseleran Pak. Akan selalu memberi pelayanan terbaik untuk Bapak ?
[…] Tidak ada yang salah dengan istilah-istilah tersebut, toh namanya bisnis memang harus memiliki slogan untuk keperluan promosi. Yang saya sayangkan adalah, munculnya istilah-istilah baru yang tidak karuan tersebut membuat investor makin pusing harus memilih untuk investasi dimana, makanya saya menulis artikel Perbandingan Peer to Peer Lending di Indonesia. […]
Your site has exceptional web content. I bookmarked the website
Bagus sekali pembahasan fintech ini
Terimakasih kak Olivya sudah mampir. Ditunggu juga tulisan tulisan tentang investasi dari kak Olivya.
Do you have any type of tips for composing articles?
That’s where I constantly battle and also I simply finish up staring vacant screen for long period of time.
Review bagus, kebetulan saya lagi mencoba investasi di Danain, Koinwork dan Asetku. Ketiganya mempunyai kelebihan masing2, namun untuk pemula saya sangat menyerankan untuk menggunakan Dain dulu. Krn Modalnya tidak begitu besar dan modal yang terproteksi dengan Emas. Serta Admin yang cepat dalam merespon pertanyaan kita lewat WA
Terimakasih sharing dan masukannya kak Sarli.
mohon ditambahkan untuk transfer dana ke/dari bank mana saja, karena kalo beda bank biasanya ada biaya tambahan
Terimakasih masukannya. Hal tersebut adalah ide bagus yang akan saya tambahkan, mengingat biaya transfer memang biasanya dibebankan ke lender/investor.
Halo mas, terima kasih atas semua review p2p lendingnya yang sangat sangat jelas dan objektif.
Tulisan anda benar benar sangat enak dibaca, font bagus, web rapi.
Luar biasa!
Sukses selalu ya mas.
Terimakasih sudah mampir ke blog saya dan terimakasih juga sudah memberikan semangat kepada saya. Sukses selalu juga untuk anda.
Saya penasaran dengan jadi pendana di PinjamanGo. TKB90:100%. Namun syarat harus mempunyai rekening Bank Sinarmas memberatkan. Ditunggu informasi dan reviewnya!
Siap kak. Saya memang belum sempat review karena dulu belum punya rek bank sinarmas. Tapi minggu lalu sudah buka jadi akan saya review dalam waktu singkat.
halo pak, saya sedang belajar mengenai fintech dan p2p lending. senang sekali bisa ketemu website ini. saya mau tanya dan saya harap bisa dibantu untuk penjelasannya, apakah Akulaku dan Kredivo bukan termasuk fintech P2P lending? Saya agak bingung menentukan karena product mereka hampir sama, sama-sama memberikan pinjaman. terima kasih.
Halo mas Sandhi. Makasih uda mampir. Kredivo dan akulaku sama sama fintech. Fintech itu banyak macamnya, ada aggregator, payment, lending, dll. Kebetulan akulaku dan kredivo keduanya termasuk fintech lending (pinjaman). Blog saya ini kebetulan fokus membahas fintech khusus investasi.
Halo mas, terima kasih reviewnya. Lengkap sekali. Berguna sekali untuk yang sedang belajar memulai investasi. Sukses selalu untuk Anda.
Halo Pak Alvin, terimaksih sudah mampir. Semoga tulisan saya selalu membantu.
UangMe belum di review ?
Waduh pak, dalam 5 hari terakhir udah banyak bgt nih yang minta review uangme wkwkwk. Masih on progress nih, sementara saya beri rujukan ke instagram @dkgunawan untuk lihat ulasan beliau
@Asirari pak berikut ada data untuk kuantitas pinjaman per 15 september 2019
https://gofile.io/?c=f7jjZw
barangkali bisa menjadi input untuk ulasannya
Siap pak adi, terimakasih tentu sangat membantu. Saya sudah coba tp belum disburse
Halo pak asiaril , kalau ngga repot minta reviewnya batumbu https://batumbu.id/
saya lihat shareholdernya kok dari Grup ternama (Grup triputra)
Wow. Pak adi surya sendiri sudah pakai pak? Mgkn bs bantu sharing hehe
saya masih macet pada proses apakah nasabah luar kota bisa daftar sebagai lender
karena saya bukan orang jakarta
untuk saat ini yg sudah2 baru lender jakarta dikarenakan
-RDL BNI harus tatap muka ke BNI Jakarta .
jadi mereka sudah pakai RDL/Rekening Dana Lender (sejenis RDN ,namun utk P2P) bukan lagi VA
saya tertarik nyoba gara2 ada embel2 Grup Triputra https://batumbu.id/tentang-kami/
katanya IR nya 20% Triputra 80% Validus
ini memang omongannya kayaknya ya sudah sesuai dengan aturan OJK nomor 17
Berapa maksimal kepemilikan saham Penyelenggara oleh WNA dan/atau badan hukum asing?Saat ini kepemilikan saham (dihitung berdasarkan lembar) oleh WNA maksimal sebesar 85%
https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Documents/Pages/FAQ-Terkait-Layanan-Pinjam-Meminjam-Uang-Berbasis-Teknologi-Informasi—Kategori-Perusahaan-Penyelenggara/FAQ%20LPMUBTI%20-%20KATEGORI%20PERUSAHAAN%20PENYELENGGARA.pdf
cuma siapa itu Validus saya belum menggali terlalu mendalam
hmm rese juga harus verifikasi tatap muka.
nanti saya coba daftar deh, kebetulan dekat rumah ada BNI.
Bertambah 6 entitas, kini ada 13 fintech P2P lending yang berizin dari OJK
https://keuangan.kontan.co.id/news/bertambah-6-entitas-kini-ada-13-fintech-p2p-lending-yang-berizin-dari-ojk
Adapun enam entitas fintech peer to peer lending tersebut adalah
Modalku,
KTA Kilat,
Kredit Pintar,
Maucash,
Finmas, dan
KlikACC.
Dengan penambahan ini, maka sudah terdapat 13 entitas fintech P2P lending yang berizin dari 127 fintech terdaftar di OJK.
Sumber dari ojk
https://www.ojk.go.id/id/berita-dan-kegiatan/publikasi/Pages/-Penyelenggara-Fintech-Terdaftar-dan-Berizin-di-OJK-per-30-September-2019.aspx
Thanks update nya pak
sempat was was sesaat baca berita ini,
untung sudah ditanggapi oleh asosiasi
——————————-
https://www.cnbcindonesia.com/tech/20191014164107-37-106869/beri-bunga-36-google-blokir-aplikasi-fintech-lending
Jakarta, CNBC Indonesia – Google mengambil tindakan tegas bagi fintech lending yang mengenakan bunga mencekik pada para peminjamnya. Google menyatakan memblokir fintech yang menawarkan bunga di atas 36% per tahun di AS.
Juru bicara Google mengatakan kebijakan ini untuk melindungi para pengguna dari persyaratan yang mengeksploitasi mereka. “Sanksi ini merupakan penerapan aturan yang diterbitkan Google pada Agustus lalu,” ujar Google seperti dikutip dari keterangan resmi perusahaan, Seperti dikutip Senin (14/10/2019).
VS
https://www.cnbcindonesia.com/tech/20191015140912-37-107138/google-blokir-fintech-berbunga-di-atas-36-ini-kata-asosiasi
Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI) angkat suara soal kebijakan baru Google yang akan blokir aplikasi fintech lending yang tawarkan bunga di atas 36% per tahun.
Wakil Ketua AFPI Sunu Widiyatmoko mengatakan aturan pemblokiran tersebut mengikat fintech lending yang beroperasi di Amerika Serikat (AS).
“Kita sudah diberi tahu kalau di Indonesia aturan blokir tersebut tidak berlaku. Aturan tersebut hanya untuk di Amerika Serikat,” ujarnya melalui sambungan telepon, Selasa (15/10/2019).
Iya saya juga sempat was was tuh
Pak dari 6 fintech baru berizin itu seperti
KTA Kilat, Kredit Pintar, Maucash, Finmas, dan KlikACC diulas juga dong disini. Terutama kalau mereka memang menerima dana dari investor online. Barangkali kan nanti ada pendatang baru yang menawarkan opsi lebih baik dibanding modalku, koinworks, investree, amartha, danamas yang udah senior
Kreditpintar saya pernah ulas namun mereka sudah menutup pintu kepada lender (masi ada sisa review nya disini). Finmas klikacc masi terhambat verifikasi. Maucash dan ktakilat saya baru denger pak nanti saya cek
Banyak sekali emang P2P sekarang. Dulu di awal2 ada koinworks, crowdo, crowde, amartha, modalku, investree, danamas semua masih niat saya buat account dan cobain tapi makin kesini makin males. Rasanya banyak yang kurang bermutu dan gak worthed untuk dicoba. Apalagi liat resiko dan gak semua p2p berasuransi atau menawarkan bunga yang wah wah
Pak Asiaril, Pak Alb3rt & Pak Adi Surya tolong review p2p.cashwagon.id
Saat ini sedang ada promo, kata RMnya sampai 8 desember 2019. Aku sudah daftar tp butuh pendapat & pemikirian Bapak yg lbh pengalaman.
Pertanyaan: knp banyak p2p lendeng yg dulu TKB90nya uda 80-90an bisa kembali jd 100%? Butuh pencerahan. Terima kasih.
fyi: p2p.cashwagon.id pake virtual account cimb niaga, minimal invest 500rb, surat perjanjian ttd manual hardcopy via pengiriman. Kode promoku CWMhp7
Ralat pertanyaan: bagaimana bs p2p lending yg tbk90 nya 80-90’an bs menjadi 100% kembali?
Halo pak wilyantio, untuk ulasan ulasan saya sudah jarang buat baru. Mungkin bisa join grup telegram kami (ada pak adi dan albert juga) di t.me/investorp2p .
Untuk tkb 90 saya bantu jawab. Tkb90 bisa naik (membaik) karena beberapa sebab antara lain: pinjaman telatnya sudah lebih dari 90 hari jadi tidak dimasukkan ke tkb 90 lagi, lalu pinjaman default, atau penyelenggara p2p nya berhasil melancarkan sebagian besar pinjaman yang macet.
Kemungkinan terburuknya memungkinkan juga penyelenggara p2p nya manipulasi angka tersebut tanpa ketahuan otoritas
Kelebihan Easycash:
Sama seperti Kredit Pintar dan Asetku, Easycash menggunakan alokasi otomatis untuk menyebarkan dana anda ke berbagai pinjaman. Saat ini jumlah pinjaman di Easycash juga tidak terbatas banyaknya.
Uangme kelupaan ditaro ato memang berbeda pak?
Eh? Itu kan tulisannya rilis sejak uangme belum ada. hanya contoh saja kan untuk komparasi. Kreditpintar malah sudah ga ada lending sekarang. Cashwagon juga mirip mirip
Terimakasih pak. Kebetulan saya belum jadi lender di uangme, baru tahu dan lihat lihat. Kemungkinan nanti waktu gajian baru mulai ke uangme.
Makanya saya menulis disini nanya, karena persepsi saya dia sama dengan asetku dan easycash sistimnya. Tapi karena belum bener bener terjun saya khawatir salah persepsi 🙂
Terimakasih pak sudah clear – kan
iya pak Uangme, Asetku, Easycash, saat ini sistemnya mirip mirip sebagaimana dijelaskan di https://adriansiaril.com/2018/12/10/dua-jenis-p2p-lending/
“Review lengkap toko modal” kok jadinya masuk ke page tanifund ya
Thanks laporannya pak mgkn saya salah kasih hyperlink. Akan saya perbaiki
Terima kasih atas tulisannya pak, bermanfaat sekali.
Kalau boleh, saya ingin minta referensi review investasi di Danasyariah.id ini, karena saya lihat kok returnnya tinggi sekali dibandingkan reksa dana dan juga agunannya berupa properti yang dibangun sehingga terlihat aman. kebetulan juga sudah investasi banyak disini dan baru saja mulai, jadi rada was was saja kalau misalkan ada pegalaman yang tidak tidak. soalnya saya cari di Internet tidak ada yang memberi ulasan pengalaman investasi di situ.
Terima kasih sebelumnya
Terima kasih Pak untuk tulisannya. Sangat bermanfaat sekali. Kalau boleh tau Bapak sendiri saat ini paling banyak investasi di p2p mana termasuk pertimbangannya apa. Terima kasih sebelumnya
Untuk portfolio saya ada di paragraf paling bawah di tulisan tersebut atau bisa di cek di file Excel Fillena
Bagus sekali reviewnya, jika ingin bonus untuk investasi di Amartha, bisa pake kode referal ini yaa IL035033
Sangat bagus pembahasannya. Dari pencarian saya ini ulasan perbandingan yang paling lengkap ditambah dengan kelebihan kekurangannya.. Apakah ada informasi perbandingan data finansialnya (brp jmlh debitur, kreditur, assetnya, rasio gagal bayar dan rasio2 keuangan lainnya) dari perusahaan p2p ini?
Sebenernya beberapa ada pak di website masing2 penyelenggara, namun saya belum sempat compile karena datanya berubah2 terus (terutama tkb90 yang menjadi tolak ukur gagal bayar) sehingga tidak memungkinkan saya update realtime. Untuk data finansial ini ga ada yang disclose Karena bukan merupakan perusahaan terbuka, dan dari ojk memang belum mewajibkan demikian
Im obliged for the blog post.Much thanks again. Cool.
Really appreciate you sharing this article.Really looking forward to read more. Keep writing.
This is one awesome blog article.Thanks Again. Much obliged.
Great blog post.Thanks Again. Great.
I really like and appreciate your blog article.Really looking forward to read more. Will read on…
Howdy! Someone in my Myspace group shared this website with us so I came to look it over. I’m definitely loving the information. I’m bookmarking and will be tweeting this to my followers! Superb blog and superb design and style.|
I like reading through an article that will make people think. Also, many thanks for allowing me to comment!|
Hi there, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam feedback? If so how do you prevent it, any plugin or anything you can recommend? I get so much lately it’s driving me insane so any support is very much appreciated.|
Nice post. I learn something totally new and challenging on blogs I stumbleupon every day. It will always be useful to read through content from other authors and practice a little something from other websites. |
Hey are using WordPress for your site platform? I’m new to the blog world but I’m trying to get started and set up my own. Do you require any html coding knowledge to make your own blog? Any help would be really appreciated!|
I’m really impressed with your writing skills as well as with the layout on your blog. Is this a paid theme or did you modify it yourself? Anyway keep up the nice quality writing, it is rare to see a nice blog like this one today.|
Hi! I just wish to offer you a huge thumbs up for the great information you’ve got here on this post. I will be returning to your web site for more soon.|
My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on various websites for about a year and am concerned about switching to another platform. I have heard excellent things about blogengine.net. Is there a way I can transfer all my wordpress content into it? Any help would be really appreciated!|
A round of applause for your article.Thanks Again. Much obliged.
wow, awesome blog article. Great.
Im grateful for the post.Really looking forward to read more. Want more.
It’s going to be ending of mine day, except before finish I am reading this great piece of writing to improve my experience.|
Pretty nice post. I just stumbled upon your blog and wished to say that I’ve truly enjoyed surfing around your blog posts. In any case I will be subscribing to your feed and I hope you write again soon!|
I’m impressed, I have to admit. Rarely do I come across a blog that’s both equally educative and amusing, and without a doubt, you have hit the nail on the head. The issue is an issue that too few folks are speaking intelligently about. Now i’m very happy that I stumbled across this during my search for something regarding this.|
After I originally commented I appear to have clicked the -Notify me when new comments are added- checkbox and from now on each time a comment is added I get 4 emails with the same comment. Is there a means you can remove me from that service? Appreciate it!|
My family members always say that I am killing my time here at net, however I know I am getting familiarity all the time by reading such good posts.|
You’re so interesting! I don’t suppose I’ve truly read something like that before. So wonderful to discover somebody with genuine thoughts on this subject matter. Seriously.. thank you for starting this up. This web site is one thing that’s needed on the web, someone with a bit of originality!|
I like this website so much, saved to my bookmarks.
Lovely just what I was looking for.Thanks to the author for taking his time on this one.
I reckon something genuinely special in this site.
I loved as much as you’ll receive carried out right here. The sketch is attractive, your authored material stylish. nonetheless, you command get bought an edginess over that you wish be delivering the following. unwell unquestionably come further formerly again since exactly the same nearly very often inside case you shield this hike.
Nice blog here! Also your website loads up fast! What host are you using? Can I get your affiliate link to your host? I wish my website loaded up as quickly as yours lol
I absolutely love your blog.. Great colors & theme. Did you make this site yourself? Please reply back as I’m wanting to create my own blog and want to learn where you got this from or exactly what the theme is named. Thank you!|
Howdy! I know this is kinda off topic but I was wondering if you knew where I could get a captcha plugin for my comment form? I’m using the same blog platform as yours and I’m having difficulty finding one? Thanks a lot!
Nice post. I was checking continuously this weblog and I am inspired! Extremely useful info particularly the last phase 🙂 I care for such information a lot. I was looking for this certain info for a very long time. Thanks and best of luck. |
Very interesting information!Perfect just what I was searching for! “I live in company with a body, a silent companion, exacting and eternal.” by Eugene Delacroix.
Wow, dieser Blog ist großartig Ich liebe es, deine Artikel zu lesen. Weiter so mit der großartigen Arbeit! Weißt du, viele Leute jagen sich nach diesen Informationen um, du kannst ihnen sehr helfen.
whoah this weblog is great i love reading your posts. Stay up the great work! You already know, a lot of persons are hunting around for this info, you could aid them greatly. |
I am really enjoying the theme/design of your website. Do you ever run into any browser compatibility problems? A few of my blog visitors have complained about my website not working correctly in Explorer but looks great in Chrome. Do you have any ideas to help fix this problem?|
Great post.|
I was recommended this website by my cousin. I’m not sure whether this post is written by him as nobody else know such detailed about my problem. You’re incredible! Thanks!|
Heya i am for the first time here. I came across this board and I in finding It really helpful & it helped me out a lot. I hope to provide something back and aid others such as you aided me.|
Its superb as your other posts : D, thanks for putting up. “A gift in season is a double favor to the needy.” by Publilius Syrus.
Its good as your other posts : D, thankyou for putting up.
It’s really a great and useful piece of info. I am glad that you shared this useful information with us. Please keep us up to date like this. Thanks for sharing.
Very shortly this web page will be famous among all blogging users, due to it’s pleasant articles or reviews|
Enjoyed every bit of your blog post.Thanks Again. Want more.
Hey! Quick question that’s completely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my apple iphone. I’m trying to find a theme or plugin that might be able to resolve this issue. If you have any suggestions, please share. Appreciate it!|
Its like you read my thoughts! You seem to know so much about this, like you wrote the book in it or something. I think that you simply could do with a few percent to power the message house a bit, however other than that, this is wonderful blog. A great read. I will certainly be back.
http://www.fodingstrade.com/bbs/board.php?bo_table=free&wr_id=123461
What’s up to all, the contents present at this site are in fact remarkable for people experience, well, keep up the good work fellows.|
This design is wicked! You obviously know how to keep a reader entertained. Between your wit and your videos, I was almost moved to start my own blog (well, almost…HaHa!) Excellent job. I really loved what you had to say, and more than that, how you presented it. Too cool!|
I was looking through some of your articles on this site and I think this website is real informative! Continue putting up.
Keep working ,remarkable job!
Hi to all, how is the whole thing, I think every one is getting more from this web site, and your views are good in support of new people.|
Great blog article.Really thank you! Great.
I cannot thank you enough for the blog post. Awesome.
Very informative blog post.Really thank you! Will read on…
Thanks so much for the blog article.Thanks Again. Much obliged.
Excellent blog here! Also your site rather a lot up fast! What web host are you the usage of? Can I get your associate hyperlink to your host? I want my website loaded up as quickly as yours lol|
Thank you a bunch for sharing this with all people you really recognize what you’re talking approximately! Bookmarked. Kindly additionally consult with my site =). We will have a link exchange contract between us|
An outstanding share! I have just forwarded this onto a co-worker who was conducting a little research on this. And he actually bought me lunch simply because I stumbled upon it for him… lol. So let me reword this…. Thank YOU for the meal!! But yeah, thanks for spending time to talk about this issue here on your site.|
If you are going for finest contents like I do, only go to see this web page everyday because it offers feature contents, thanks|
Good post. I learn something totally new and challenging on blogs I stumbleupon every day. It’s always interesting to read articles from other authors and practice a little something from their web sites. |
When someone writes an paragraph he/she retains the idea of a user in his/her mind that how a user can be aware of it. Therefore that’s why this piece of writing is outstdanding. Thanks!|
Great line up. We will be linking to this great article on our site. Keep up the good writing.
Wow, incredible blog layout! How long have you been blogging for? you make blogging look easy. The overall look of your website is great, let alone the content!
the common thing here is that
It seems that you are doing any distinctive trick. Also, The contents are masterwork. you’ve done a great job in this matter!|
Thanks a lot for the blog article.Thanks Again. Much obliged.
Appreciate it for helping out, great info. “Considering how dangerous everything is, nothing is really very frightening.” by Gertrude Stein.
You have noted very interesting details! ps decent website.
Thankyou for this wondrous post, I am glad I observed this internet site on yahoo.
Thanks for the sensible critique. Me & my neighbor were just preparing to do a little research on this. We got a grab a book from our local library but I think I learned more clear from this post. I’m very glad to see such fantastic information being shared freely out there.
Muchos Gracias for your article.Much thanks again. Much obliged.
I have learn several excellent stuff here. Definitely value bookmarking for revisiting. I wonder how so much attempt you set to create one of these fantastic informative web site.
Write more, thats all I have to say. Literally, it seems as though you relied on the video to make your point. You clearly know what youre talking about, why waste your intelligence on just posting videos to your site when you could be giving us something enlightening to read?|
Heya i am for the first time here. I found this board and I find It really useful & it helped me out much. I hope to give something back and aid others like you helped me.|
Link exchange is nothing else except it is only placing the other person’s webpage link on your page at appropriate place and other person will also do similar in support of you.|
I every time spent my half an hour to read this blog’s articles or reviews every day along with a cup of coffee.|
May I simply just say what a comfort to discover someone who truly knows what they’re discussing on the internet. You actually realize how to bring a problem to light and make it important. More and more people ought to check this out and understand this side of the story. I was surprised you’re not more popular since you surely have the gift.|
If some one wishes to be updated with latest technologies afterward he must be pay a quick visit this web site and be up to date everyday.|
🌌 Wow, blog ini seperti perjalanan kosmik meluncurkan ke galaksi dari kegembiraan! 💫 Konten yang mengagumkan di sini adalah perjalanan rollercoaster yang mendebarkan bagi pikiran, memicu kagum setiap saat. 🎢 Baik itu gayahidup, blog ini adalah sumber wawasan yang inspiratif! #KemungkinanTanpaBatas 🚀 ke dalam petualangan mendebarkan ini dari penemuan dan biarkan imajinasi Anda terbang! 🌈 Jangan hanya menikmati, rasakan kegembiraan ini! #BahanBakarPikiran Pikiran Anda akan bersyukur untuk perjalanan menyenangkan ini melalui alam keajaiban yang tak berujung! ✨
I’m not sure why but this web site is loading incredibly slow for me. Is anyone else having this issue or is it a issue on my end? I’ll check back later and see if the problem still exists.|
Hmm is anyone else encountering problems with the images on this blog loading? I’m trying to determine if its a problem on my end or if it’s the blog. Any feedback would be greatly appreciated.|
Hmm it seems like your blog ate my first comment (it was extremely long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog writer but I’m still new to everything. Do you have any helpful hints for novice blog writers? I’d definitely appreciate it.
Looking forward to reading more. Great blog.Really looking forward to read more. Fantastic.
Im grateful for the article.Much thanks again. Want more.
Thanks again for the blog post.Much thanks again. Great.
Major thanks for the blog article.Thanks Again. Keep writing.
If you would like to increase your experience simply keep visiting this site and be updated with the most recent news posted here.|
WOW just what I was looking for. Came here by searching for meta_keyword|
Simply desire to say your article is as amazing. The clarity in your post is just great and i could assume you are an expert on this subject. Well with your permission allow me to grab your RSS feed to keep up to date with forthcoming post. Thanks a million and please continue the enjoyable work.|
Hi there colleagues, nice article and pleasant urging commented here, I am genuinely enjoying by these.|
I have been examinating out some of your articles and it’s clever stuff. I will surely bookmark your website.
wow, amazing
nice content!nice history!! boba 😀
Greetings from Los angeles! I’m bored to death at work so I decided to browse your site on my iphone during lunch break. I love the information you present here and can’t wait to take a look when I get home. I’m surprised at how fast your blog loaded on my mobile .. I’m not even using WIFI, just 3G .. Anyhow, wonderful blog!|
wow, amazing
nice content!nice history!! boba 😀
nice content!nice history!! boba 😀
Wonderful content
It is really a nice and useful piece of information. I am glad that you just shared this helpful information with us. Please stay us up to date like this. Thanks for sharing.|
Fantastic job
Spectacular, keep it up
nice content!nice history!! boba 😀
Exceptional, impressive work
wow, amazing
Outstanding, superb effort
I played on this casino platform and succeeded a significant sum of money, but eventually, my mother fell ill, and I wanted to withdraw some money from my account. Unfortunately, I encountered issues and couldn’t complete the withdrawal. Tragically, my mom passed away due to this gambling platform. I plead for your support in reporting this website. Please assist me in seeking justice, so that others won’t have to face the hardship I am going through today, and stop them from crying tears like mine. 😭😭😭😭
Hi there! I know this is kinda off topic however I’d figured I’d ask. Would you be interested in trading links or maybe guest authoring a blog article or vice-versa? My blog addresses a lot of the same subjects as yours and I think we could greatly benefit from each other. If you might be interested feel free to send me an email. I look forward to hearing from you! Awesome blog by the way!|
Thanks in favor of sharing such a fastidious idea, post is pleasant, thats why i have read it fully|
I participated on this online casino site and managed a considerable amount, but after some time, my mom fell sick, and I needed to cash out some earnings from my balance. Unfortunately, I encountered difficulties and could not withdraw the funds. Tragically, my mother died due to the casino site. I plead for your assistance in lodging a complaint against this online casino. Please support me to obtain justice, so that others won’t have to experience the suffering I am going through today, and stop them from shedding tears like mine. 😭😭😭�
I think the admin of this web site is truly working hard for his web site, for the reason that here every material is quality based stuff.|
I engaged on this casino platform and managed a considerable cash, but eventually, my mom fell sick, and I needed to take out some funds from my balance. Unfortunately, I experienced issues and could not withdraw the funds. Tragically, my mom died due to this gambling platform. I plead for your help in reporting this online casino. Please support me to achieve justice, so that others won’t experience the pain I am going through today, and stop them from shedding tears like mine. 😭😭😭�
Way cool! Some extremely valid points! I appreciate you penning this write-up and also the rest of the site is also really good.|
Your blog has become my go-to for understanding complex issues. Thanks for the clarity!
This piece was a bit different from your usual content, but I liked it!
Wow, this article is pleasant, my younger sister is analyzing these kinds of things, so I am going to tell her.|
Your post today was exactly what I needed to read. Thank you for the timely insights!
I blog frequently and I truly appreciate your content. This article has really peaked my interest. I’m going to book mark your site and keep checking for new details about once per week. I subscribed to your Feed too.|
I visited multiple sites except the audio quality for audio songs existing at this web page is in fact fabulous.|
Have you ever considered about adding a little bit more than just your articles? I mean, what you say is fundamental and everything. Nevertheless imagine if you added some great graphics or videos to give your posts more, “pop”! Your content is excellent but with pics and videos, this blog could undeniably be one of the greatest in its niche. Excellent blog!|
I played on this online casino site and managed a substantial sum of money, but after some time, my mother fell sick, and I required to take out some money from my account. Unfortunately, I faced issues and couldn’t withdraw the funds. Tragically, my mother died due to such gambling platform. I request for your assistance in reporting this site. Please help me to achieve justice, so that others do not undergo the pain I am going through today, and prevent them from shedding tears like mine. 😭😭😭�
I am really impressed with your writing skills as well as with the layout on your weblog. Is this a paid theme or did you customize it yourself? Either way keep up the excellent quality writing, it’s rare to see a great blog like this one these days.|
I couldn’t resist commenting. Well written.
The creativity in your topics and presentation is inspiring.
You’ve built a blog that’s both informative and a pleasure to read.
Exceptional, impressive work
I participated on this gambling website and managed a considerable amount, but later, my mom fell ill, and I wanted to withdraw some earnings from my casino account. Unfortunately, I encountered issues and could not withdraw the funds. Tragically, my mom died due to the online casino. I request for your assistance in bringing attention to this website. Please support me in seeking justice, so that others won’t undergo the pain I am going through today, and avert them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭
The creativity in your topics and presentation is inspiring.
Your ability to analyze and present data is unparalleled.
Your content is consistently relevant and deeply engaging.
Your content is consistently relevant and deeply engaging.
Your blog is a masterclass in effective communication.
Superb, congratulations
Your content is consistently relevant and deeply engaging.
Your content is consistently relevant and deeply engaging.
Your blog is a masterclass in effective communication.
You’ve built a blog that’s both informative and a pleasure to read.
The way you connect with your readers is exceptional.
You have a knack for uncovering and sharing hidden gems of knowledge.
🚀 Wow, this blog is like a fantastic adventure soaring into the galaxy of endless possibilities! 💫 The captivating content here is a captivating for the imagination, sparking curiosity at every turn. 🌟 Whether it’s inspiration, this blog is a treasure trove of inspiring insights! #MindBlown 🚀 into this exciting adventure of discovery and let your thoughts roam! 🌈 Don’t just enjoy, immerse yourself in the thrill! #BeyondTheOrdinary Your brain will be grateful for this exciting journey through the worlds of endless wonder! 🚀
Your blog provides a unique blend of insights and practical advice.
Hi there! I could have sworn I’ve been to this website before but after browsing through a few of the posts I realized it’s new to me. Anyhow, I’m certainly delighted I came across it and I’ll be book-marking it and checking back often!
Muchos Gracias for your article.Really thank you! Fantastic.
Link exchange is nothing else except it is simply placing the other person’s blog link on your page at appropriate place and other person will also do similar for you.|
I needed to thank you for this good read!! I absolutely enjoyed every bit of it. I’ve got you saved as a favorite to check out new stuff you post…
Really when someone doesn’t understand then its up to other users that they will assist, so here it takes place.|
Brilliant content
Fantastic website you have here but I was curious if you knew of any discussion boards that cover the same topics discussed here? I’d really like to be a part of group where I can get feedback from other experienced individuals that share the same interest. If you have any recommendations, please let me know. Many thanks!|
Wonderful content
Lovely, very cool
There is certainly a lot to know about this subject. I like all the points you’ve made.
I appreciate the unique viewpoints you bring to your writing. Very insightful!
I participated on this gambling website and succeeded a considerable cash, but eventually, my mother fell sick, and I required to cash out some money from my account. Unfortunately, I experienced difficulties and was unable to complete the withdrawal. Tragically, my mother passed away due to such gambling platform. I request for your assistance in lodging a complaint against this online casino. Please support me to achieve justice, so that others won’t undergo the pain I am going through today, and avert them from shedding tears like mine. 😭😭😭😭😭😭😭😭😭😭
💡 Such an illuminating read! 💡
This post is a testament to your expertise and hard work. Thank you!
Podczas robienia zdjęć telefonem komórkowym lub tabletem należy włączyć funkcję usługi pozycjonowania GPS w urządzeniu, w przeciwnym razie nie można zlokalizować telefonu komórkowego.
I’m bookmarking this for future reference. Your advice is spot on!
deneme bonusu veren siteler
What a refreshing take on this subject. I completely agree with your points!
Superb, congratulations
This post is a testament to your expertise and hard work. Thank you!
Exceptional, impressive work
I participated on this online casino site and managed a considerable amount, but later, my mother fell ill, and I needed to take out some money from my account. Unfortunately, I faced issues and was unable to complete the withdrawal. Tragically, my mother died due to the online casino. I implore for your assistance in lodging a complaint against this site. Please assist me to obtain justice, so that others won’t have to experience the suffering I am going through today, and prevent them from shedding tears like mine. 😭😭😭😭😭😭😭😭😭😭
wow, amazing
Fantastic job
Pretty nice post. I simply stumbled upon your blog and wished to say that I’ve really loved surfing around your weblog posts. In any case I’ll be subscribing to your rss feed and I hope you write again soon!|
wow, amazing
wow, amazing
I engaged on this casino website and hit a substantial win. However, eventually, my mother fell ill, and I wanted to take out some money from my wallet. Unfortunately, I encountered difficulties and was unable to finalize the cashout. Tragically, my mother died due to the online casino. I implore for your support in addressing this situation with the site. Please aid me to obtain justice, to ensure others won’t endure the hardship I’m facing today, and stop them from facing the same heartbreak. 😭😭😭😭😭😭😭😭😭😭
I participated on this gambling site and earned a significant amount of money, but eventually, my mom became sick, and I needed to take out some funds from my casino balance. Unfortunately, I experienced difficulties and couldn’t withdraw the funds. Tragically, my mother passed away as a result of this casino site. I urge for your support in addressing this problem with the platform. Please assist me to obtain justice, so that others won’t have to experience the pain I’m enduring today, and stop them from undergoing the same misery. 😭😭😭😭
I took a chance on this online casino platform and secured a substantial money jackpot. However, eventually, my mom fell seriously ill, and I required to cash out some earnings from my casino balance. Unfortunately, I ran into issues and could not withdraw the funds. Tragically, my mother died due to this gambling platform. I humbly implore your assistance in addressing this issue with the platform. Please support me to find justice, to ensure others do not suffer the hardship I’m facing today, and prevent them from experiencing similar misfortune. 😭😭😭😭😭😭😭😭😭😭
I loved as much as you’ll receive carried out right here. The sketch is attractive, your authored material stylish. nonetheless, you command get got an shakiness over that you wish be delivering the following. unwell unquestionably come more formerly again since exactly the same nearly a lot often inside case you shield this hike.|
Pretty section of content. I just stumbled upon your web site and in accession capital to assert that I get actually enjoyed account your blog posts. Any way I’ll be subscribing to your feeds and even I achievement you access consistently fast.
Incredible, well done
Wonderful content
Hmm it seems like your blog ate my first comment (it was super long) so I guess I’ll just sum it up what I submitted and say, I’m thoroughly enjoying your blog. I too am an aspiring blog blogger but I’m still new to everything. Do you have any tips for inexperienced blog writers? I’d certainly appreciate it.|
Awesome work
Magnificent, wonderful.
I participated on this casino website and landed a considerable cash prize. However, eventually, my mother fell seriously ill, and I needed to take out some earnings from my wallet. Unfortunately, I ran into difficulties and was unable to complete the withdrawal. Tragically, my mother passed away due to the online casino. I urgently request your assistance in addressing this issue with the online casino. Please support me to find justice, to ensure others won’t endure the anguish I’m facing today, and avert them from facing similar misfortune. 😭😭😭😭😭
Great job
Terrific work! That is the kind of info that are supposed to be shared around the web. Disgrace on Google for not positioning this publish higher! Come on over and discuss with my website . Thanks =)|
Super, fantastic
cululutata
I played on this online casino platform and hit a substantial money win. However, later, my mother fell seriously sick, and I needed to cash out some funds from my casino balance. Unfortunately, I faced issues and was unable to complete the withdrawal. Tragically, my mother passed away due to this casino site. I kindly request your assistance in reporting this situation with the online casino. Please assist me to find justice, to ensure others do not suffer the anguish I’m facing today, and prevent them from experiencing similar misfortune. 😭😭😭😭😭
Remarkable, excellent
I took part on this casino website and hit a considerable earnings jackpot. However, eventually, my mom fell seriously ill, and I required to cash out some funds from my wallet. Unfortunately, I encountered problems and couldn’t finalize the cashout. Tragically, my mother died due to this casino site. I kindly request your help in addressing this situation with the online casino. Please aid me to obtain justice, to ensure others won’t endure the anguish I’m facing today, and avert them from facing similar tragedy. 😭😭😭😭
I tried my luck on this gambling site and earned a considerable sum of cash. However, afterward, my mother fell seriously ill, and I wanted to cash out some money from my account. Unfortunately, I encountered problems and could not complete the withdrawal. Tragically, my mom died due to such casino site. I earnestly request your support in bringing attention to this situation with the online casino. Please help me to obtain justice, to ensure others won’t experience the hardship I’m facing today, and stop them from facing similar tragedy. 😭😭😭😭😭😭😭😭😭😭
palabraptu
I played on this online casino platform and earned a considerable sum of earnings. However, eventually, my mom fell gravely ill, and I wanted to withdraw some money from my casino balance. Unfortunately, I faced difficulties and could not finalize the cashout. Tragically, my mother passed away due to such online casino. I urgently ask for your help in addressing this concern with the platform. Please assist me to find justice, to ensure others won’t endure the pain I’m facing today, and stop them from experiencing similar misfortune. 😭😭
wow, amazing
Incredibly Informative Post! I Learned A Lot And Look Forward To More.
It’s awesome in favor of me to have a web page, which is helpful designed for my know-how. thanks admin|
I played on this gambling site and won a significant sum of cash. However, later on, my mom fell seriously ill, and I wanted to take out some money from my account. Unfortunately, I experienced difficulties and was unable to withdraw the funds. Tragically, my mom passed away due to such casino site. I earnestly ask for your assistance in addressing this concern with the site. Please help me to find justice, to ensure others won’t have to face the pain I’m facing today, and prevent them from undergoing similar misfortune. 😭😭
I played on this gambling site and secured a substantial amount of earnings. However, later on, my mom fell gravely sick, and I wanted to cash out some money from my wallet. Unfortunately, I experienced issues and could not finalize the cashout. Tragically, my mom died due to this online casino. I urgently request your support in addressing this concern with the online casino. Please help me to obtain justice, to ensure others do not experience the hardship I’m facing today, and prevent them from facing similar tragedy. 😭😭
I Appreciate The Balance And Fairness In Your Writing. Great Job!
Marvelous, impressive
I played on this gambling site and won a considerable pile of cash. However, later on, my mother fell seriously ill, and I required to cash out some money from my account. Unfortunately, I faced issues and couldn’t withdraw the funds. Tragically, my mom passed away due to the casino site. I earnestly ask for your help in reporting this concern with the platform. Please assist me in seeking justice, to ensure others do not endure the hardship I’m facing today, and avert them from undergoing similar tragedy. 😭😭
Super, fantastic
I participated on this casino website and secured a significant pile of cash. However, later on, my mom fell critically sick, and I required to withdraw some money from my casino balance. Unfortunately, I faced problems and was unable to complete the withdrawal. Tragically, my mother passed away due to such online casino. I earnestly plead for your help in addressing this issue with the platform. Please aid me to obtain justice, to ensure others won’t have to face the pain I’m facing today, and prevent them from experiencing similar tragedy. 😭😭
Super, fantastic
I participated on this online casino platform and secured a substantial sum of cash. However, later on, my mother fell seriously ill, and I required to cash out some earnings from my account. Unfortunately, I encountered difficulties and could not finalize the cashout. Tragically, my mom passed away due to the casino site. I urgently plead for your assistance in bringing attention to this issue with the online casino. Please help me in seeking justice, to ensure others won’t have to endure the hardship I’m facing today, and stop them from experiencing similar misfortune. 😭😭
Super, fantastic
I participated on this online casino platform and earned a significant sum of money. However, afterward, my mom fell critically sick, and I needed to cash out some earnings from my account. Unfortunately, I encountered issues and could not complete the withdrawal. Tragically, my mother passed away due to this online casino. I earnestly plead for your help in addressing this issue with the online casino. Please aid me in seeking justice, to ensure others won’t have to face the pain I’m facing today, and avert them from facing similar tragedy. 😭😭
I Admire The Way You Tackled This Complex Issue. Very Enlightening!
Hmm it seems like your blog ate my first comment (it was super long) so I guess I’ll just sum it up what I wrote and say, I’m thoroughly enjoying your blog. I as well am an aspiring blog writer but I’m still new to the whole thing. Do you have any recommendations for novice blog writers? I’d really appreciate it.|
For most up-to-date information you have to pay a visit the web and on web I found this web site as a most excellent web page for most recent updates.|
I participated on this casino website and won a substantial sum of cash. However, eventually, my mother fell gravely sick, and I wanted to cash out some money from my account. Unfortunately, I experienced difficulties and couldn’t finalize the cashout. Tragically, my mom died due to such online casino. I urgently plead for your help in reporting this issue with the site. Please aid me to obtain justice, to ensure others do not endure the hardship I’m facing today, and stop them from experiencing similar misfortune. 😭😭
I participated on this gambling site and earned a significant sum of cash. However, later on, my mom fell seriously sick, and I required to take out some money from my casino balance. Unfortunately, I encountered problems and couldn’t withdraw the funds. Tragically, my mom died due to this online casino. I urgently request your assistance in reporting this issue with the online casino. Please aid me to find justice, to ensure others do not experience the hardship I’m facing today, and avert them from undergoing similar misfortune. 😭😭
blublu child porn
I played on this online casino platform and earned a significant sum of money. However, afterward, my mother fell critically sick, and I needed to cash out some funds from my wallet. Unfortunately, I faced problems and was unable to finalize the cashout. Tragically, my mom died due to this casino site. I urgently ask for your help in addressing this concern with the platform. Please assist me to obtain justice, to ensure others won’t face the anguish I’m facing today, and avert them from facing similar misfortune. 😭😭
cululutata
Your blog is a true gem in the vast sea of the internet. Sending love and appreciation from Asheville!
I played on this gambling site and earned a significant pile of money. However, later on, my mom fell gravely ill, and I wanted to cash out some money from my account. Unfortunately, I faced problems and couldn’t withdraw the funds. Tragically, my mother died due to the casino site. I urgently ask for your help in bringing attention to this concern with the online casino. Please aid me to obtain justice, to ensure others won’t experience the anguish I’m facing today, and avert them from facing similar tragedy. 😭😭
Your blog is a true gift to the world. We’re big fans from Asheville!
Thank you for sharing your expertise with the world through your blog. Asheville residents are grateful for your contributions.
Your words have a way of resonating deeply with your readers. Thank you for sharing your wisdom with us. Asheville loves your blog!
I’ve learned so much from your blog posts. Thank you for sharing your expertise. Asheville appreciates it greatly!
Fantastic job
Splendid, excellent work
blibliblu
Your blog is a true masterpiece, crafted with care and passion. Sending love from Asheville!
Your posts never fail to spark curiosity and ignite inspiration. We’re grateful readers from Asheville!
Your blog is a ray of sunshine in the online world. We’re big fans from Asheville!
Thank you for consistently delivering top-notch content. We’re huge fans of your blog here in Asheville!
Your blog consistently provides valuable insights. We’re thrilled to be avid readers from Asheville!
Thank you for enriching our lives with your wonderful blog. Asheville is blessed to have you!
Your writing style is both engaging and informative. We’re proud to support your blog from Asheville!
blibli
En iyi bahis siteleri
Thank you for consistently delivering valuable content. We’re proud followers from Asheville!
Thank you for being a beacon of knowledge and inspiration through your blog. Asheville appreciates you!
Your blog is a sanctuary of wisdom and inspiration. We’re grateful readers from Asheville!
güvenilir bahis siteleri
wow, amazing
Thank you for enriching our lives with your wonderful blog. Asheville is blessed to have you!
Your blog is a true gift to the world. We’re big fans from Asheville!
Your blog is a true masterpiece, crafted with care and passion. We’re proud supporters from Asheville!
These are genuinely wonderful ideas in on the topic of blogging. You have touched some fastidious things here. Any way keep up wrinting.|
Lovely, very cool
child porn
Awesome work
child porn
Your words have the power to uplift and inspire. Thank you for sharing your gift with us. Asheville loves your blog!
Oh my goodness, you’ve really outdone yourself this time! Your commitment to excellence is evident in every aspect of this piece. I couldn’t resist expressing my gratitude for producing such fantastic content with us. You are incredibly talented and dedicated. Keep up the incredible work! 🌟👏👍
I don’t know if it’s just me or if everybody else encountering issues with your site. It seems like some of the text on your content are running off the screen. Can someone else please comment and let me know if this is happening to them as well? This may be a issue with my browser because I’ve had this happen previously. Kudos|
Thank you for consistently delivering valuable content. We’re proud followers from Asheville!
Excellent effort
I just wanted to drop by and say how much I enjoy reading your blog. Asheville adores your work!
lalablublu
nice content!nice history!! boba 😀
I just couldn’t depart your web site before suggesting that I extremely loved the usual info a person provide on your guests? Is gonna be again often to inspect new posts|
Absolutely fantastic, you’ve truly surpassed expectations this time! Your effort and creativity are truly commendable of this piece. I couldn’t resist expressing my gratitude for sharing such incredible work with us. Your talent and dedication are truly admirable. Keep up the outstanding work! 🌟👏👍
You actually make it appear really easy with your presentation but I to find this topic to be really something that I feel I would by no means understand. It kind of feels too complicated and very wide for me. I’m having a look forward in your next publish, I will attempt to get the grasp of it!|
Your blog is like a ray of sunshine on a cloudy day – uplifting and inspiring. Sending love from Asheville!
nice content!nice history!! boba 😀
Your words have a way of resonating deeply with your readers. We’re proud to be fans from Asheville!
This is one awesome article. Cool.
Thank you for enriching our lives with your wonderful blog. Asheville is blessed to have you!
Today, I went to the beachfront with my kids. I found a sea shell and gave it to my 4 year old daughter and said “You can hear the ocean if you put this to your ear.” She placed the shell to her ear and screamed. There was a hermit crab inside and it pinched her ear. She never wants to go back! LoL I know this is entirely off topic but I had to tell someone!|
nice content!nice history!! boba 😀
Outstanding, kudos
Spectacular, keep it up
Incredible, well done
wow, amazing
I know this if off topic but I’m looking into starting my own weblog and was wondering what all is required to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100 positive. Any tips or advice would be greatly appreciated. Thanks|
Appreciation to my father who stated to me regarding this webpage, this web site is really amazing.|
Your blog is a sanctuary of wisdom and inspiration. We’re grateful readers from Asheville!
Thank you for being a constant source of inspiration through your blog. Asheville is proud to support you!
🌌 Wow, this blog is like a cosmic journey blasting off into the galaxy of endless possibilities! 🌌 The mind-blowing content here is a thrilling for the mind, sparking excitement at every turn. 💫 Whether it’s lifestyle, this blog is a treasure trove of exciting insights! #MindBlown Dive into this thrilling experience of knowledge and let your mind fly! 🚀 Don’t just explore, experience the thrill! #BeyondTheOrdinary 🚀 will thank you for this exciting journey through the dimensions of awe! ✨
Hmm is anyone else having problems with the images on this blog loading? I’m trying to find out if its a problem on my end or if it’s the blog. Any suggestions would be greatly appreciated.|
linetogel
child porn
Remarkable! Its genuinely awesome paragraph, I have got much clear idea about from this piece of writing.|
Spectacular, keep it up
This page truly has all the information I wanted about this subject and didn’t know who to ask. |
Phenomenal, great job
This is really interesting, You’re a very skilled blogger. I have joined your feed and look forward to seeking more of your excellent post. Also, I have shared your website in my social networks!
Hi my family member! I want to say that this article is amazing, great written and come with almost all important infos. I would like to peer extra posts like this .
I appreciate, cause I found just what I was looking for. You’ve ended my four day long hunt! God Bless you man. Have a great day. Bye
Spectacular, keep it up
Splendid, excellent work
Impressive, congrats
Today, while I was at work, my cousin stole my apple ipad and tested to see if it can survive a twenty five foot drop, just so she can be a youtube sensation. My iPad is now broken and she has 83 views. I know this is totally off topic but I had to share it with someone!|
Lovely, very cool
Heya! I’m at work surfing around your blog from my new iphone! Just wanted to say I love reading through your blog and look forward to all your posts! Carry on the excellent work!|
1SS3D249742
child porn
Simply wish to say your article is as amazing. The clarity for your post is simply nice and i could suppose you’re an expert on this subject. Fine with your permission let me to seize your feed to stay up to date with approaching post. Thank you 1,000,000 and please keep up the enjoyable work.|
Excellent effort
Outstanding, superb effort
blublun
Hi there friends, nice piece of writing and nice arguments commented at this place, I am truly enjoying by these.|
Marvelous, impressive
Terrific, continue
This is amazing, you’ve done an outstanding job this time! Your effort and dedication shine through in every aspect of this piece. I just had to take a moment to express my gratitude for sharing such fantastic work with us. Your talent and dedication are truly exceptional. Keep up the amazing work! 🌟👏👍
cululutata
This is amazing, you’ve done an exceptional job this time! Your hard work and creativity are truly inspiring of this work. I simply had to thank you for bringing such incredible content with us. You are incredibly talented and dedicated. Keep up the excellent work! 🌟👏👍
wow, amazing
child porn
🌌 Wow, this blog is like a rocket
child porn
124SDS9742
Spectacular, keep it up
Remarkable, excellent
Wonderful content
Incredible, you’ve done an outstanding job this time! Your effort and creativity are truly commendable of this work. I just had to take a moment to express my gratitude for producing such incredible work with us. Your talent and dedication are truly exceptional. Keep up the amazing work! 🌟👏👍
https://pub-e75debfcd36740c9b5f435d7a4528876.r2.dev/index.html
Marvelous, impressive
This is amazing, you’ve done an outstanding job this time! Your effort and creativity are truly commendable of this piece. I just had to take a moment to express my gratitude for bringing such fantastic content with us. You are exceptionally talented and dedicated. Keep up the awesome work! 🌟👏👍
wow, amazing
🚀 Wow, this blog is like a fantastic adventure
nice content!nice history!! boba 😀
wow, amazing
Absolutely fantastic, you’ve truly surpassed expectations this time! Your commitment to excellence is evident in every aspect of this work. I couldn’t resist expressing my gratitude for bringing such fantastic work with us. Your talent and dedication are truly exceptional. Keep up the fantastic work! 🌟👏👍
blolbo
Oh my goodness, you’ve done an exceptional job this time! Your dedication and creativity are truly admirable of this piece. I just had to take a moment to express my gratitude for creating such fantastic content with us. Your talent and dedication are truly admirable. Keep up the outstanding work! 🌟👏👍
Outstanding, superb effort
Incredible, you’ve done an exceptional job this time! Your commitment to excellence is evident in every aspect of this piece. I felt compelled to express my thanks for sharing such fantastic content with us. Your talent and dedication are truly exceptional. Keep up the fantastic work! 🌟👏👍
child porn
Exceptional, impressive work
Marvelous, impressive
Oh my goodness, you’ve really outdone yourself this time! Your effort and creativity are truly commendable of this piece. I felt compelled to express my thanks for creating such incredible work with us. You are exceptionally talented and dedicated. Keep up the fantastic work! 🌟👏👍
Fabulous, well executed
lalablublu
nice content!nice history!! boba 😀
Phenomenal, great job
Superb, congratulations
child porn
Oh my goodness, you’ve truly surpassed expectations this time! Your dedication and creativity are truly admirable of this work. I just had to take a moment to express my gratitude for sharing such outstanding work with us. You are exceptionally talented and dedicated. Keep up the fantastic work! 🌟👏👍
blabla
This is amazing, you’ve truly surpassed expectations this time! Your effort and dedication shine through in every aspect of this work. I felt compelled to express my thanks for creating such amazing content with us. Your talent and dedication are truly exceptional. Keep up the excellent work! 🌟👏👍
Incredible, you’ve knocked it out of the park this time! Your effort and creativity are truly commendable of this work. I couldn’t help but express my appreciation for bringing such fantastic work with us. You have an incredible talent and dedication. Keep up the excellent work! 🌟👏👍
1249742
Outstanding, kudos
linetogel
Incredible, you’ve done an incredible job this time! Your hard work and creativity are truly inspiring of this piece. I couldn’t help but express my appreciation for producing such fantastic work with us. You are exceptionally talented and dedicated. Keep up the outstanding work! 🌟👏👍
Absolutely fantastic, you’ve done an exceptional job this time! Your commitment to excellence is evident in every aspect of this work. I simply had to thank you for creating such amazing content with us. Your dedication and talent are truly remarkable. Keep up the awesome work! 🌟👏👍
wow, amazing
Fabulous, well executed
Thank you for the auspicious writeup. It in fact was a amusement account it. Look advanced to more added agreeable from you! However, how could we communicate?
wow, amazing
Thanks for some other informative site. The place else may just I get that kind of info written in such a perfect manner? I’ve a project that I am just now running on, and I’ve been at the look out for such information.
Wonderful content
Unquestionably imagine that which you said. Your favorite justification seemed to be on the internet the easiest factor to have in mind of. I say to you, I certainly get irked whilst other people think about concerns that they just do not recognize about. You controlled to hit the nail upon the highest as smartly as outlined out the whole thing with no need side-effects , other people could take a signal. Will probably be back to get more. Thank you
Outstanding, superb effort
Wonderful content
Hello There. I found your blog using msn. This is an extremely well written article. I will be sure to bookmark it and return to read more of your useful information. Thanks for the post. I will certainly return.|
I constantly spent my half an hour to read this website’s articles or reviews daily along with a cup of coffee.|
Impressive, fantastic
Impressive, congrats
Remarkable, excellent
Wow, you’ve done an outstanding job this time! Your dedication and effort are evident in every detail of this work. I just had to take a moment to express my gratitude for creating such awesome work with us. You have an incredible talent and dedication. Keep up the awesome work! 🌟👏👍
Oh my goodness, you’ve really outdone yourself this time! Your effort and dedication shine through in every aspect of this content. I couldn’t resist expressing my gratitude for creating such incredible content with us. You have an incredible talent and dedication. Keep up the incredible work! 🌟👏👍
nice content!nice history!! boba 😀
Magnificent, wonderful.
Fantastic job
Magnificent, wonderful.
Explore the ethical dimensions of environmental decision-making and the trade-offs between economic interests and environmental preservation.
blibli
Impressive, congrats
wow, amazing
Absolutely fantastic, you’ve done an exceptional job this time! Your dedication and effort are evident in every detail of this work. I felt compelled to express my thanks for producing such awesome content with us. You are incredibly talented and dedicated. Keep up the incredible work! 🌟👏👍
Absolutely fantastic, you’ve done an exceptional job this time! Your dedication and creativity are truly admirable of this work. I couldn’t resist expressing my gratitude for sharing such amazing work with us. You are exceptionally talented and dedicated. Keep up the amazing work! 🌟👏👍
palabraptu
Remarkable, excellent
Useful information. Lucky me I found your site by chance, and I am stunned why this coincidence didn’t happened in advance! I bookmarked it.|
nice content!nice history!!
bliloblo
Oh my goodness, you’ve really outdone yourself this time! Your dedication and creativity are truly admirable of this content. I just had to take a moment to express my gratitude for bringing such outstanding work with us. Your talent and dedication are truly admirable. Keep up the amazing work! 🌟👏👍
Wonderful content
I’m not that much of a internet reader to be honest but your sites really nice, keep it up! I’ll go ahead and bookmark your website to come back in the future. Cheers|
Impressive, fantastic
hello there and thank you for your info – I’ve certainly picked up anything new from right here. I did however expertise several technical points using this website, since I experienced to reload the site a lot of times previous to I could get it to load properly. I had been wondering if your web host is OK? Not that I am complaining, but slow loading instances times will often affect your placement in google and can damage your high quality score if advertising and marketing with Adwords. Well I’m adding this RSS to my email and could look out for a lot more of your respective exciting content. Ensure that you update this again soon.|
Wonderful blog! I found it while surfing around on Yahoo News. Do you have any suggestions on how to get listed in Yahoo News? I’ve been trying for a while but I never seem to get there! Cheers|
Do you mind if I quote a few of your posts as long as I provide credit and sources back to your blog? My blog site is in the very same niche as yours and my visitors would definitely benefit from some of the information you provide here. Please let me know if this okay with you. Regards!|
Hello There. I found your blog using msn. This is a very well written article. I’ll make sure to bookmark it and return to read more of your useful info. Thanks for the post. I will certainly comeback.|
I every time spent my half an hour to read this weblog’s articles or reviews everyday along with a cup of coffee.|
nice content!nice history!! boba 😀