Review Koinworks 2021 – p2p lending fitur terlengkap

Review Koinworks ini pertama kali dibuat pada Januari 2019 dan terakhir diperbaharui pada 7 Juli 2021. Dari awal review ini dibuat sampai saat ini, saya masih menggunakan Koinworks

Kalau pertama kali datang kesini, ada baiknya terlebih dahulu membaca BAGAIMANA MENGEVALUASI P2P LENDING. Apabila tertarik mencoba, daftar di KoinWorks menggunakan kode referral saya 62507 untuk mendapatkan bonus.

Portfolio Saya di Koinworks

Selama dua tahun menjadi pengguna Koinworks sejak Desember 2018, data portfolio saya adalah sebagai berikut:

Total nett return: 7,737,498 (427.582 merupakan denda keterlambatan) ini sudah setelah dikurangi kerugian modal

Total average return: 20.37%

Portfolio macet berdasarkan kuantitas pendanaan: 3%

Kerugian terealisasi: 387,936

Data tersebut merupakan rekap tanggal 7 Juli 2021

Siapa sih Koinworks?

Latar belakang perusahaan meningkatkan kredibilitas terhadap pihak yang mengelola uang anda, semakin transparan, semakin baik nilainya.

Latar belakang KoinWorks cukup baik, dengan tim manajemen yang merupakan orang lokal semua serta suntikan dana yang juga berasal dari investor lokal yaitu Mandiri Capital Indonesia serta beberapa investor lainnya seperti Saison capital (Singapore). Saat ini Koinworks sudah mendapatkan funding seri B, dalam dunia startup hal ini berarti Koinworks sudah disuntik dana untuk kedua kalinya.

KoinWorks cukup transparan dengan menjajarkan daftar tim manajemen mereka di website sehingga kalau anda kepo dengan orang-orang dibelakangnya tinggal mengecek disitu. Nama legal mereka adalah PT Lunaria Annua Teknologi, didirikan di tahun 2015 dan saat ini memiiki lebih dari 50 staff. Mereka juga punya ‘induk’ perusahaan bernama PT Lunaria Annua Kapital yang kegunaan utamanya untuk melindungi modal pendana (lihat pembahasan perlindungan modal dibawah). Lunaria Annua Kapital sendiri kelihatan jelas-jelas hanya merupakan ‘perusahaan mati’ yang didirikan hanya untuk memenuhi regulasi OJK perihal perlindungan dana.

Koinworks saat ini sudah satu kali mengalami pembaharuan wajah, sebelumnya hanya fokus di P2P lending dan sekarang menjadi aplikasi finansial lengkap yang akan meranah instrumen investasi lainnya. Ulasan ini hanya akan fokus pada aspek P2P lending nya, yakni produk bernama KoinP2P. Untuk review produk Koinworks lainnya ada terpisah:

Produk Pinjaman KoinWorks

Kuantitas Pinjaman

Kuantitas pinjaman penting agar dana anda tidak nganggur (tidak berbunga) serta mempermudah proses diversifikasi untuk meminimalkan risiko.

Jumlah pinjaman di Koinworks sangat fluktuatif tergantung musim. Kadang-kadang tersedia banyak sekali pinjaman, kadang-kadang tidak ada pinjaman sama sekali. Perlu diingat bahwa dana yang digalang melalui Koinrobo disalurkan ke produk pinjaman yang ada di dashboard KoinP2P, jadi ketersediaan pinjaman KoinP2P terdampak dari Koinrobo juga.

KoinWorks ibarat restoran internasional yang menyediakan makanan dari berbagai macam negara. Pinjaman jenis apapun bisa anda temui disini: dari pinjaman personal, invoice financing, refinancing, pembelian barang, edukasi, permodalan, dan lain-lainnya.

Berbagai jenis pinjaman tersebut juga bervariasi dari segi tenor dan risiko, yang sangat memudahkan diversifikasi anda. Bunga berkisar di 9% sampai diatas 20% tergantung pada grade risiko dan jenis pendanaan.Sebagian besar variasi didominasi invoice financing. Hal ini sebenarnya bagus mengingat risiko jenis pinjaman tersebut cenderung rendah. Yang saya sayangkan adalah belum adanya pinjaman dari segmen usaha mikro yang sebenarnya sangat diuntungkan oleh kehadiran industri P2P Lending.

Dari segi tenor, sebelum masa pandemi sebenarnya tersedia berbagai macam dari 1 bulan sampai 24 bulan, namun setelah pandemi Koinworks sepertinya memitigasi risiko dengan hanya menerima pengajuan pendanaan maksimal satu tahun, itupun sudah jarang yang ada. Mayoritas kesempatan pendanaan di Koinworks sekarang malah ada di tenor satu sampai tiga bulan.

Jumlah Minimal Investasi KoinWorks

Jumlah minimal investasi yang kecil/murah membuka peluang bagi lebih banyak orang karena tidak perlu mengeluarkan banyak uang untuk belajar investasi.

Sejak dulu sampai sekarang mereka konsisten di angka Rp100 ribu sebagai minimum investasi.

KoinWorks tidak menerima uang receh, jadi investasi anda harus kelipatan Rp100 ribu. Hal ini memberikan sedikit masalah karena receh hasil bunga pinjaman tidak bisa dengan mudah diinvestasikan kembali. Kendati demikian anda bisa menginvestasikan uang receh anda ke KOINGOLD.

Informasi Lain Tentang KoinWorks

Dengan fitur bernama Robolending, anda tidak perlu menunggu pinjaman terdanai penuh karena uang anda langsung dikembangkan secara otomatis, mirip dengan P2P lending model ekonomi konsumtif.

Di poin sebelumnya saya menyebutkan bahwa pinjaman di KoinWorks sangat banyak. Hal ini sebenarnya baik, namun terkadang bila terlalu banyak pinjaman tersedia, akibatnya dana dari investor menjadi tersebar-sebar dan memperlambat terpenuhnya sebuah pinjaman. Akibatnya, likuiditas bisa saja merendah karena hal ini.

Koinworks juga punya kebiasaan buruk membatalkan pinjaman atau memakan waktu terlalu lama untuk mencairkan uang ke peminjam, jadi hal tersebut perlu anda perhitungkan. Karena bila pinjaman dibatalkan, modal anda memang kembali, namun uang anda rugi waktu karena tidak berkembang sampai uang dicairkan ke peminjam.

Anda juga perlu mempertimbangkan biaya penarikan saldo ketika mencairkan dana. Jangan sampai biaya penarikan saldo tersebut nominalnya lebih besar daripada total return anda.

Fitur dari KoinWorks

Koinworks adalah salah satu p2p lending yang paling diwarnai fitur, mulai dari penawaran produk investasi lainnya sampai hal-hal kecil lain seperti laporan keuangan tahunan, estimasi/proyeksi jatuh tempo, dan virtual currency bernama Koin,

Fitur-fitur tersebut tidak semuanya penting dan bisa jadi menakutkan bagi pemula. namun mereka yang sudah mahir dalam dunia keuangan akan cukup terbantu dengan fitur-fitur tersebut.

Koinworks menargetkan diri mau menjadi superapps financial, yang berarti kedepannya aplikasi Koinworks memang bukan hanya untuk pendanaan p2p lending saja melainkan .

Dampak Sosial

Beberapa investasi di P2P lending mempunyai dampak sosial baik, dan beberapa tidak.

Tergantung dari jenis pinjaman yang anda danai, dampak sosial anda bisa jadi baik ataupun buruk. Hal ini karena pinjaman di KoinWorks sangat bermacam-macam, jadi dampak sosial investasi anda tergantung pada jenius pinjaman apa yang anda danai.

Dampak sosial paling tinggi di Koinworks adalah apabila anda mendanai pinjaman UMKM atau pinjaman studi (jarang muncul).

Mitigasi Risiko KoinWorks

Beberapa website P2P lending memiliki perlindungan atau jaminan terhadap nilai modal anda sehingga kerugian anda terbatasi bila terjadi gagal bayar.

Saya menilai perlindungan modal di KoinWorks merupakan salah satu yang terbaik, dimana modal investor dilindungi beberapa persen tergantung dari grade pinjaman yang anda danai. Pinjaman grade A dilindungi 100% yang berarti bila terjadi gagal bayar, modal anda dikembalikan seluruhnya. Persentase perlindungan menurun untuk grade pinjaman yang lebih rendah.

Seperti yang sudah saya bahas di bagian paling atas, yang menjamin modal ini adalah perusahaan bernama Lunaria Annua Kapital, sebuah perusahaan ‘tidak jelas’ yang pasti hanya didirikan untuk memenuhi ketentuan OJK. Karena OJK melarang suatu penyelenggara P2P lending untuk menalangi kerugian lender, namun memperbolehkan ‘sister company’ untuk melakukannya. Jadi Lunaria Annua Kapital ini lahir dari kebutuhan tersebut.

Koinrobo juga memberlakukan perlindungan ekstra dengan memberikan asuransi kredit dari 3 buah perusahaan asuransi berbeda. Hal ini tentu meningkatkan kredibilitas Koinworks dalam menjamin uang pendana.

Informasi lebih lanjut tentang penanganan gagal bayar, baca artikel ini.

Apakah Koinworks Aman?

Ya, KoinWorks sekarang telah memiliki izin operasi dari OJK (Otoritas Jasa Keuangan)

Apakah KoinWorks penipu?

Apabila anda membaca komentar negatif tentang proyek gagal atau pembayaran yang telat di Koinworks, hal tersebut sangatlah wajar karena dalam investasi P2P lending, risiko telat bayar dan gagal bayar memang ada sehingga bukan murni merupakan kesalahan KoinWorks. Koinworks bukanlah investasi bodong atau illegal yang menjanjikan profit tinggi lalu kabur membawa uang anda

Untuk memahami risiko dan keamanan dalam p2p lending, baca artikel ini

RM dan Customer Service KoinWorks

Saya tidak banyak berkomunikasi dengan tim CS KoinWorks karena tidak pernah menjumpai masalah di website ini. Saya hanya pernah menelepon mereka sekali karena mengeluhkan sebuah bug. Pantauan saya, tim mereka cukup mudah dihubungi lewat telepon, e-mail, maupun media sosial. Saya malah kenal beberapa orang Koinworks di bidang RnD dan partnership mereka karena pernah berpartisipasi dalam penelitian mereka dan menjadi narasumber mereka.

Pengalaman saya tersebut cenderung kontradiktif dengan cerita pembaca blog ini (lihat bagian komentar dibawah), serta testimonial jujur dari teman dekat saya di Palembang, yang mengeluhkan bahwa hampir mustahil untuk mendapatkan penjelasan soal pendanaan macet dari tim customer service. Sepertinya Koinworks kesulitan menghadapi pertanyaan terkait pendanaan dari existing lender, namun bisa sigap menghadapi pertanyaan umum dari calon lender. Saya dulu pernah bekerja sebagai customer service, dan menurut saya hal ini sebenarnya cukup wajar. Setiap anggota CS punya template jawaban untuk pertanyaan umum, namun untuk pertanyaan spesifik soal pendanaan tentu mereka harus bertanya pada divisi lainnya (misalnya collection untuk pinjaman macet, tim IT untuk bugs, tim marketing untuk promo)

Koinworks juga memiliki tim RM untuk melayani kebutuhan lender secara personal, dan menurut saya RM mereka cukup tanggap dan sigap kok, baik dihubungi melalui grup Telegram maupun chat personal. Saran saya, kalau memang butuh komunikasi dengan tim Koinworks, harusnya melalui RM saja tidak perlu melalui CS.

Persentase Non Performing Loan (NPL) KoinWorks

Non Performing Loan (NPL) adalah pinjaman yang gagal bayar sehingga anda tidak mendapat bunga sama sekali atau bahkan kehilangan sebagian atau seluruh modal anda.

Laporan KPMG di November 2018 menuliskan NPL mereka 0.13 persen.

KoinWorks menuruti peraturan terbaru OJK yang mengharuskan setiap P2P lending memajang persentase pinjaman lancar mereka secara realtime di halaman depan website mereka. Semakin rendah angka ini, berarti semakin buruk kinerja pinjamannya (banyak yang gagal bayar) Per 30 April 2019, KoinWorks menunjukan angka 99.39% yang berarti hanya ada sedikit sekali pinjaman yang bermasalah.

Bagian ini tidak akan pernah diperbaharui lagi karena sudah tidak berguna. Anda bisa mengecek TKB90 terbaru Koinworks di halaman depan website mereka.

KoinWorks Syariah atau Tidak?

Saat ini belum menawarkan pinjaman syariah.

Promosi dan Program Referral KoinWorks

350.000 KOIN untuk pengguna baru dan referrer nya. Namun KOIN tersebut hanya bisa digunakan untuk menambahkan bunga, berbeda dengan program referral lain dimana komisi referral bisa dicairkan menjadi uang sesungguhnya.

Artinya? Kualitas program ini cukup buruk. Saran saya apabila anda punya KOIN, taruh di pinjaman dengan risiko tertinggi yang tenornya sepanjang mungkin, supaya anda dapat keuntungan maksimal dari bunga KOIN tersebut. Apabila pinjaman tersebut gagal bayar, toh anda tidak rugi modal. Sebab jika KOIN anda taruh di pinjaman pendek yang aman, tentu bunganya akan miris sekali.

Koinworks lumayan sering melakukan promo cashback Gopay 1% dari investasi total anda selama periode tertentu. Seringkali nominal tersebut dihitung dari autolending atau robolending yang pinjamannya tidak bisa anda pilih sendiri. Apabila anda ikut acara Koinworks maka anda juga akan diberikan saldo gratis.

Catatan Lain

KoinWorks merupakan website P2P lending kedua yang saya coba. Saya tertarik karena melihat iklan mereka di Instagram. Dulu saya merekomendasikan KoinWorks sebagai website lending terbaik secara keseluruhan.

Ada salah satu masalah KoinWorks yang tidak ada di website lainnya, yaitu seringkali pinjaman dibatalkan “karena masalah administrasi”.


KoinWorks sepertinya memulai penggalangan dana SEBELUM legalitas dan administrasi sang peminjam dilengkapi. Hal ini sebenarnya baik karena meringankan syarat peminjam serta memastikan pinjaman baru lebih cepat hadir, namun masalahnya apabila pinjaman yang anda danai dibatalkan, uang tersebut dikembalikan ke wallet anda dan akhirnya menjadi ‘uang mati’ untuk waktu yang cukup lama (selama penggalangan, dan sebelum anda menginvestasikannya kembali).

Selain itu, Koinworks juga menuai banyak kritik karena melakukan restrukturisasi massal pada banyak pinjaman yang bermasalah pada pandemi. Alih-alih melakukan klaim asuransi atau dana provisi, Koinworks menunda kewajiban pembayaran sehingga banyak lender merasa dirugikan (rugi opportunity cost karena tenor jadi panjang sekali). Baca analisa saya soal restrukturisasi disini.

Kesimpulan

Kelebihan KoinWorks:

  • Menawarkan jenis pinjaman dengan variasi yang beragam; mulai dari pinjaman personalinvoice financingrefinancing, pembelian barang, edukasi, permodalan, dan lain-lainnya.
  • 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 mobile apps.
  • Memiliki fitur robolending yang cocok untuk pemula yang malas memilih atau sedang belajar mendiversifikasi.
  • Memberlakukan ‘asuransi’ yang melindungi modal investor apabila terjadi gagal bayar.
  • Bisa membeli produk investasi lain dari satu aplikasi

Kekurangan KoinWorks:

  • Karena tingginya jumlah investor, seringkali investor harus berebut untuk memilih jenis pinjaman tertentu (hanya tersisa yang kurang baik).
  • Pinjaman muncul secara fluktuatif, terjadi sejak paska pandemi
  • Interface-nya cukup menakutkan untuk pemula.
  • Kualitas CS yang buruk, meskipun dimitigasi oleh RM yang oke
  • Melakukan restrukturisasi pada pinjaman pra-pandemi yang bermasalah

Rekomendasi

Meskipun banyak pembaca blog ini kesal dengan Koinworks, saya rasa Koinworks masih layak direkomendasikan terutama untuk produk KOINROBO. Apabila mau memilih produk investasi sendiri di KoinWorks, Investor pemula perlu sedikit belajar untuk memahami tentang grading serta perlindungan yang diberikan oleh KoinWorks.

Siapa yang Cocok Berinvestasi di KoinWorks?

  • Investor pemula maupun investor yang datang dari produk investasi lain.
  • Investor yang tidak mau kehilangan modal.
  • Investor yang mau memilih sendiri mendanai pinjaman apa.
  • Investor yang suka diversifikasi.

Bagaimana dengan Saya?

Saya masih ada sisa uang receh di KoinWorks, yang tentu terus menerus masih saya gunakan untuk pendanaan. Uang receh tersebut akibat banyaknya KOIN yang saya terima dari program referral. Namun saya sudah 1 tahun lebih tidak topup (tambah alokasi dana) di Koinworks. Alasannya? Bukan karena KoinWorks jelek, namun karena P2P lending serupa lainnya memiliki personalia yang jauh lebih akrab dengan saya, sehingga saya lebih suka mendanai produk mereka (faktor akrab).

Update: Bulan Mei 2020 saya pertama kalinya mencoba program ROBO VIP karena penawarannya cukup menarik.

Apabila tertarik, daftar di KoinWorks menggunakan kode referral saya 62507 untuk mendapatkan bonus.

Demikian ulasan/review saya tentang KoinWorks. Semoga bisa memberi anda gambaran tentang kelebihan dan kekurangan KoinWorks, serta membantu anda menentukan apakah KoinWorks aman untuk profil risiko anda. Jangan lupa untuk membandingkan website P2P lending lainnya.

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

441 Comments

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    • Jangan invest di koinworka. Kinerjanya sangat buruk. Uang kita bisa ketahan sampai SEBULAN LEBIH tanpa mendapatkan imbalan bunga.
      Ini pengalaman pribadi saya
      ID TRANSAKSI : 21201926c6
      BRAND : AKC
      Uang sy ketahan dari tgl 19 juni 2019 dan sampai hari ini tgl 24 juli 2019. (sebulan lebih )Masih ketahan. Dgn alasan msh dalam proses. Silahkan cek aja no id diatas ke koinworks jika anda tidak percaya.

        • Kapok invest di koinworks. Keluhan ke team supportnya isinya hanya kata maaf dan mohon menunggu berulang ulang.

          • Ikut serta berbagi pengalaman, KoinWorks menarik untuk investasi karna dengan satu aplikasi platform ada banyak sekali produk, layak jika disebut sebuah restoran yang menyediakan berbagai menu makanan. 5 bulan berjalan berinvestasi di KoinWorks tidak ada masalah. Tapi mulai bulan September 2021 pendanaan ada beberapa yang telat bayar, walaupun itu maklum dalam dunia invest tapi saya berharap KoinWorks untuk bisa lebih teliti. Yang kedua entah apa yang terjadi dana tertahan lebih dari satu bulan tanpa ada status dana dibatalkan atau diteruskan ke peminjam. Yang jelas telat bayar ataupun di bayar sebagian apalagi gagal bayar itu adalah berita paling buruk bagi para investor.

          • untuk telat dan gagal bayar – apakah dana provisi sudah dicairkan tepat waktu?
            untuk disbursement – memang koinworks terkenal banget disbursementnya lambat kaya semut

  1. Sekarang koinworks udah menurun kwalitasnya dari pinjaman yg pending sampai 15 hari lebih,respon yg lambat,pernah uang saya hilang tiba tiba sampai harus komplain jd was was juga walau udah di kembalikan,dan fitur autopurchasenya yg gak langsung mendanain..saya lihat koinworks lebih mementingkan penambah jumlah lender dari mengurusin perusahaanya banyak pinjaman yg telat bayar tp gak ada info sama sekali sampai pinjaman yg melakukan rentruksisasi gak bayar juga selama berbulan bulan gak di anggap gagal bayar juga,

    • Terimakasih sharingnya kak Yasa. Saya juga merasa Koinworks belakangan ini tidak sebaik dulu. Autopurchase tidak langsung mendanai itu, sepengetahuan saya karena sang autopurchase kakak bersaing dengan autopurchase lender lainnya untuk mendanai pinjaman yang sama (rep MODALKU pernah menjelaskan tentang hal ini kepada saya). Perihal restrukturisasi namun tidak dianggap gagal bayar, kakak jangan khawatir sebab aturan OJK sekarang mengharuskan kalau ada pinjaman yang telat lebih dari 90 hari maka dianggap gagal bayar.

    • PutraYasa menulis : ” Sekarang koinworks udah menurun kwalitasnya dari pinjaman yg pending sampai 15 hari lebih ”

      iya setuju. saya juga mengalami sbb
      pendanaan sudah 100% tanggal 18/05/2019
      namun dana disalurkan tanggal 31/05/2019

      artinya koinworks butuh 13 hari untuk menyalurkan ke peminjam.
      dan ini ternyata menurunkan IRR cukup banyak

      contoh perhitungan IRR di kasus saya
      * modal 1.000.000 , tenor 2 bulan , bunga 15%

      A) bunga yg didapat di akhir periode
      = 1.000.000 x 15% x (2 bulan / 12 bulan )
      = 25.000
      lalu ada potongan komisi koinworks 5% setiap bunga yg dibayar
      = 25.000 – 1250
      = 23.750

      B) waktu sebenarnya yg dibutuhkan
      = tenor pinjaman + waktu yg dibutuhkan koinworks utk menyalurkan
      = 2 bulan + 15 hari
      = 2.5 bulan

      C) IRR (initial rate of return)
      = 23.750 / 2.5 bulan x 12 bulan / 1.000.000
      = 11.4%

      jadi terdapat perbedaan yg cukup signifikan gara2 lamanya menyalurkan pinjaman tersebut

      cara hitungnya versi website koinworks adalah 15%
      = 25.000 / 2 bulan x 12 bulan / 1.000.000 = 15%

      padahal IRR yg kita terima
      = 23.750 / 2.5 bulan x 12 bulan / 1.000.000 = 11.4%

      Kesimpulan
      ————
      Pada pinjaman bunga 15% dgn tenor 2 bulan
      apabila diperlukan waktu 0.5 bulan

      maka

      IRR turun sebesar 3.6% ( dari 15% menjadi 11.4% )

    • Lebih lambat, tapi daripada gagal bayar.
      Mau tanya, berapa % dari total pinjaman yang gagal bayar? Kalau saya sih tidak sampai 1% dari total transaksi saya.

      Kalaupun ada gagal bayar, ditalangin sama Koinworksnya kok. Total saya sih puas banget jadi pendana di Koinworks.

      • Saya pribadi juga dibawah 2 persen, karena hanya memilih grade A dan B. Tentu setiap orang beda beda persentasenya karena mungkin memilih yang kelas C kebawah.

      • Ini sih saran aja ya : Kalo tetanga ada yg lebih cepat dan juga dijamin. . Secara tkb90 juga lebih ok, NPL juga lebih ok. Ngapain pilih yang lambat ini ? Namanya investasi kan time is money. ?.

  2. Saya jg udh mulai narik perlahan modal saya dr koinworks. Dana saya banyak yg tertahan sampai jutaan karena telat bayar sejak bulan maret tp jika ditanya kejelasannya ke cs hanya dijawab “sedang kami lakukan upaya penagihan”. Kalau memang punya historis buruk setidaknya ditandai red flag ato apa gitu biar ga didanai lagi sama yg lain trus biar kapok pinjem dana kalo emang ga bs bayar. Buruk kualitas koinworks utk pemula ato bukan. Saya tdk rekomendasikan sama sekali.

    • Terimakasih sharingnya mbak Dhia. Saya sudah tarik seluruh dana dari Koinworks 3 bulan yang lalu, sekarang hanya sisa pinjaman pinjaman jangka panjang yang masih berjalan saja. Memang melihat situasi saat ini, ulasan saya perlu saya update karena sudah tidak sesuai ekspektasi

    • Tak lupa juga bro, seringkali ketika sudah beberapa hari nunggu funding complete, tiba tiba pinjamannya dibatalkan dengan alasan borrower tidak kooperatif. Balik jadi dana nganggur lagi deh

      • Brp lama itu biasa nya pak? Sy udh 3 minggu blm jalan jg. Udh telp 3x bilang nya masih di proses terus. Dia blg tunggu 14 hari kalo ga duit nya akan di balikin. Sampe ini hari jg blm dibalik2in. Udh gitu ga ada notifikasi lg.

  3. Saya invest pertama kali P2P di KoinWork awal 2018,
    Pengalaman saya dengan KoinWorks
    1. Ada yang gagal bayar
    2. Deposit tidak masuk, dan setelah komplain via WA diminta bukti transfer setelah saya kirim jawabannya 3-5 hari kerja baru di debet ke Saldo saya. Kejadian 2 kali.
    3. Saya WD sekitar 50%, dari pihak koinwork langsung kirim WA, katanya sudah telepon ke no saya tetapi tidak nyambung. Mereka meminta informasi data alamat e-mail, ID pendana, no HP, Bank penerima dll. Padahal sebelumnya sy sudah pernah WD tidak pernah ditanya ini itu, mungkin karena nominalnya sedikit kali.

    Sekarang saya masih tetap invest di KoinWorks tapi yang Robolending, mudah-mudahan lancar semua.

    • Terimakasih sharingnya pak Geo. Itu cerita nomor 1 sd 3 kejadian baru baru ini pak? Saya terus terang sudah lama sekali tidak withdraw Koinworks, terakhir kali memang tahun lalu juga dan ttidak sampai ditelepon minta konfirmasi seperti itu.

  4. Koinworks ini penyaluran pendanaannya sangat lambat dan itu pasti menurunkan efektif prosentase bunga yg kita dapat. Kemudian untuk penarikan di Koinworks juga dikenakan biaya 5.000 padahal di P2P lain selalu ada cara penarikan gratis (dengan bank yang direkomendasikan). Nilai 5.000 ini meskipun kecil tapi bisa mempengaruhi pendapatan kita dengan signifikan kalau kita menarik dana rutin. Untuk sisi TKB90 nya sekarang juga sudah di bawah 99% semoga tidak bertambah buruk terus seperti di Modalku. Tapi setidaknya dibanding Modalku, Koinworks ini ada jaminan default dari platform jadi lebih nyaman buat investor.

    • setuju dengan semua yang pak albert katakan. Memang koinworks secara tidak langsung menurunkan bunga efektif karena prosesnya yang serba lama, ditambah lagi bila terjadi pembatalan pinjaman.

      • Saking lamanya kecepatan penyaluran (Dr pengalamanku 2 mingguan)

        sampai bikin curiga

        Jangan2 uang lender diputar di RDPU dulu sebelum disalurkan ke borrower

        • fyi pak, aturan ojk sebenarnya memang memperbolehkan p2p lending untuk memutarkan uang lender sementara di RDPU. Info ini saya terima dari rep Akseleran beberapa bulan lalu, entah masih berlaku atau tidak peraturannya.

  5. Saya baca di website koinworks dana kita tidak dijamin, tapi koq info anda dana kita dijamin koinworks seluruhnya?

  6. Itu yang orang sering salah artikan dengan dana dijamin itu adalah penyisihan keuntungan yang akan dialokasikan untuk talangan dana kalau ada default (persentase per grade pinjaman). Misalnya nih operasional koinworks sangat memburuk sampai dana talangannya habis ya meskipun grade A juga mereka gak akan ditalangin/bayar pokoknya. Kalau dari sisi asuransi malah saya lebih suka yang seperti Amartha, kita beli, kita bayar asuransi. Semua clear, aturan claim juga clear. Cuma emang harga agak kemahalan di Amartha. Saya pernah dinyinyirin orang di forum lain yang katanya di Koinworks pasti aman karena semua dijamin. Lebih enak daripada di Amartha yang dijamin 75% saja. Saya hanya bisa tertawa sendiri karena di Koinworks belum tentu terjamin, dan yang terjamin semua itu hanya grade A yang bunganya kecil sekali belum dipotong biaya layanan, biaya transfer, lama waktu penyaluran kredit, lama dana masuk ke rekening, dll

    • Melindungi melalui dana provisi seperti ini juga sebenernya dilarang ojk pak. Koinworks sebenernya sudah sempat berpikir kearah asuransi namun belum kesampaian sampai skrg

  7. Barusan saya penarikan dari Koinworks lagi. Sekarang saya tinggal sisa 300.000 disana yang pendanaan salah pilih dapetnya 24 bulan meskipun grade A. Nyesek sekali tiap penarikan di Koinworks kena 5.000. Mau narik berapa ratus ribu udah kepotong 2% untuk biaya. Lah bunga padahal saya itung2 aja dapetnya cuma paling 12-13% bersih kalau grade A. Tapi masak saya suruh nunggu sampe semua dana kembali 24 bulan lagi. Mending saya cepet2 alihin ke P2P lain. Seturun2nya bunga Asetku masih lebih bagus dari bunga Koinworks.

  8. Ada yang buat nyesek lagi di Koinworks, saya punya pendanaan yang dana terkumpul 3 juli, berhasil disalurkan 22 juli, kembali 9 agustus. Saya dapet bunga 655,89 per 100.000 pendanaan saya. Berarti dari sudut pandang dana keluar di saya sampai kembali lagi saya cuma dapet 7.87%

    • lebih tepatnya 6.47% pak Albert (jadi tidak sampai 7.87%)

      terkumpul 3 juli,
      berhasil disalurkan 22 juli,
      kembali 9 agustus.

      bearti waktu yg dihabiskan katakanlah 3 juli – 9 agustus = 37 hari

      bunga = 655.89
      modal = 100.000

      IRR (sudut pandang dana keluar di saya sampai kembali lagi = IRR , initial rate of return)
      = 655.89 / 37 x 365 / 100.000
      = 6.47%

      —-
      jika dihitung lagi : 100.000 x 6.47% x 37 hari / 365 hari = 655.8

      masalah terbesar dari koinworks ini adalah
      penyaluran dana ke borrower membutuhkan waktu 2 minggu (bahkan lebih)

      dimana di fintech yg lain
      rata2 hanya membutuhkan waktu kurang dari 1 minggu

      Jadi dalam hal kecepatan penyaluran dana terkumpul ke borrower maka bisa dibilang
      Koinworks adalah yang paling lelet pak

  9. Iya pak, I was being generous dalam perhitungannya jadi ya korting2 dikit la naikin bunganya. Padahal di portfolio pendanaannya tulisannya 14 koma sekian %. Terlihat sangat menarik … Nyatanya …. Terus kok mereka charge lagi 5.000 ya kalau kita tarik duit. Sekarang transfer antar bank aja cuma berapa sih, 3.500 kalo ga salah

  10. Menurut saya yg bagus di koinworks hanya detail borrower nya yg bisa di download itu, cukup komplit. Untuk hal2 lain saya nilai BAD dan VERY BAD

  11. Duit saya nyantol di coinwork !eberapa bulan tanpa pembayaran dan penjelasan minta update teus ga bisa tarik dana
    Aplikasi sampah memang

  12. KW jadi daftar blacklist saya, karena CSnya payah, Pertanyaan saya gak dijawab,, ya goodbye aja deh, drpd dicuekkin gitu.

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