Review Modalku 2021 – P2P lending Asia Tenggara

Review Modalku ini pertama kali ditulis pada Januari 2019 dan terakhir diperbaharui pada 2 Juli 2021. Sudah ada review versi 2023 terbaru yang bisa anda baca disini. Review 2023 menggunakan format dan standar baru yang lebih objektif dan ringkas. Review 2021 ini tetap akan ada untuk keperluan historis dan perbandingan.

Apabila tertarik, daftar di Modalku menggunakan kode referral saya jdq73oc9

Portfolio Saya Modalku – Desember 2018 sd 2 Juli 2021

Data dibawah ini tidak termasuk pendanaan terproteksi yang mulai saya gunakan di Agustus 2021

Total disbursement: 228 pinjaman senilai 84.351.389 terakhir pada tanggal 16 Oktober 2019

Average return: 10% p.a

Total keuntungan kotor: 533.229 (sebelum dikurangi gagal bayar dan fee)

Total gagal bayar: 4 pinjaman senilai 491.493 berasal dari 1 peminjam yang sama, dengan 4 pendanaan berbeda

Siapa itu Modalku?

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

Modalku memiliki nama legal PT Mitrausaha Indonesia Grup di Indonesia, dan beroperasi di Singapura dan Malaysia dengan nama Funding Societies.

Mereka berdiri di Singapura pada tahun 2016, dan didirikan oleh orang Singapura dan Indonesia. Jadi jangan heran bila Modalku memiliki suntikan dana yang kebanyakan berasal dari luar negeri seperti Sequoia India, Alpha JWC Ventures, Softbank Group, Golden Gate Ventures, Venture Capitalists Qualgro dan LINE Ventures. Melihat banyaknya jumlah penyuntik dana di Modalku, tentu kekuatan dari struktur perusahaannya sudah tidak perlu diragukan lagi.

Staff mereka berjumlah lebih dari 120 orang, namun saya tidak yakin jumlah ini hanya untuk kantor di Indonesia atau juga kantor mereka diluar Indonesia. Bos utama mereka bernama Reynold dan beliau sebenarnya tinggal di dekat rumah saya, yang juga dekat dengan kantor Modalku. Pak Reynold ini orang tuanya adalah pemilik dari Unifam, sehingga wajar saja Modalku berkantor di gedung Unifam.

Produk Pinjaman Modalku

Kuantitas Pinjaman

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

Dulu sangat sulit mendapatkan jatah pendanaan di Modalku, karena lender yang kelewat banyak dan tidak sebanding dengan jumlah borrowernya. Namun sekarang, setelah Modalku meningkatkan disbursement secara massal dan ekspansi produk, serta banyaknya lender lama yang kabur setelah porto rugi (termasuk sama), maka semakin mudah mendapatkan jatah pendanaan di Modalku.

Modalku dulu hanya fokus pada invoice financing perusahaan, tapi sekarang juga menyalurkan ke UMKM seperti warung. Sayangnya, penyaluran ke segmen baru ini bisa dibilang meningkatkan kualitas risiko Modalku, sehingga bukannya makin ‘aman’ tapi malah makin mengkhawatirkan. Apalagi, ada laporan bahwa Modalku mulai ditargetkan oleh kaum “sengaja gagal bayar” di grup Facebook (cek komentar pembaca dibawah).

Modalku sudah mencoba memitigasi risiko dengan cara bekerjasama dengan asuransi kredit, namun sayangnya belum semua jenis produk diproteksi oleh asuransi ini.

Kesimpulannya, saya rasa Modalku setelah 2 tahun belum banyak belajar dan kualitas keseluruhannya tidak bertambah baik.

Oh iya, sebagai referensi, retur disini berkisar 10 sampai 17 persen per tahun, dengan tenor satu sampai 12 bulan.

Jumlah Minimal Investasi Modalku

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

Minimal investasi di Modalku ada Rp100 ribu, yang merupakan jumlah standar di website lainnya. Investasi anda harus kelipatan Rp100ribu sehingga anda tidak bisa dengan mudah menginvestasikan kembali uang hasil return anda.

Perlu diketahui juga bahwa Modalku juga telah menerapkan nominal MAKSIMAL investasi untuk mengontrol keseimbangan antara pendana dan peminjam.

Dampak Sosial Modalku

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

Modalku fokus pada pendanaan di tingkat perusahaan. Misalnya membeli barang dan dana talangan. Sepenglihatan saya, perusahaan-perusahaan yang meminjam ke Modalku tergolong sudah mapan, sehingga pendanaan anda tidak terlalu berdampak.

Memang mereka punya kategori pinjaman UMKM, namun sangat jarang muncul dan bahkan saya rasa sebenarnya tidak pernah ada.

Fitur dan Aksesibilitas Modalku

Berkaitan dengan kemudahan penggunaan website, aplikasi, design tata muka dan minimal nya masalah teknis.

Desain website Modalku terlalu ramai dan sulit dipahami. Saya tidak pernah pakai aplikasi smartphone nya karena sudah terlanjur berhenti menggunakan sebelum aplikasinya dirilis. Fitur autolending yang dulu ada entah kenapa sekarang tidak ada lagi.

Apakah Modalku Aman?

Ya, Modalku telah terdaftar berizin dan diawasi oleh OJK (Otoritas Jasa Keuangan)

Apakah Modalku penipu?

Belum pernah ada laporan, berita, atau keluhan tentang pelanggaran serius yang diakibatkan oleh Modalku. Saya sebagai pengguna Modalku yang sudah cukup lama bergabung juga belum menemukan masalah yang serius tentang mereka. Kerugian investasi saya (yang saya ceritakan dibawah artikel ini) tentu merupakan risiko dasar P2P lending sehingga bukan merupakan bukti bahwa Modalku melakukan kegiatan ilegal.

Apabila anda membaca komentar negatif tentang proyek gagal atau pembayaran yang telat di Modalku, hal tersebut sangatlah wajar karena dalam investasi P2P lending, risiko telat bayar dan gagal bayar memang ada sehingga bukan murni merupakan kesalahan Modalku.

Jadi, meskipun Modalku memang telah membuat saya rugi, namun Modalku bukan penipu (maaf, saya hanya curi SEO disini)

Untuk memahami risiko dan keamanan dalam P2P lending, baca artikel ini

RM dan Customer Service Modalku

Dinilai dari kecepatan membalas dan kualitas balasannya – apakah sesuai pertanyaan? Apakah punya empati dan ingin mengenal pemodal lebih lanjut?

Modalku melayani pertanyaan dan keluhan lewat chat langsung di website mereka. Namun respons mereka cukup lambat layaknya e-mail. Untungnya respons mereka tidak terkesan otomatis. Mereka menjelaskan secara jujur perihal pinjaman saya yang bermasalah. Meskipun tidak ada solusi memuaskan yang mereka tawarkan, saya cukup menghargai kejujuran dan transparansi mereka dalam komunikasi.

Persentase Non Performing Loan (NPL) Modalku

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

0.9 persen per Januari 2019, dan tim Modalku menginformasikan saya bahwa untuk Invoice Financing tidak ada yang gagal bayar.

Hal tersebut jelas-jelas bohong, karena ada pinjaman Invoice Financing saya yang gagal bayar.

Di November 2018 KPMG melaporkan angka 0.5 persen, jadi cukup mengkhawatirkan bahwa persentase gagal bayarnya malah meningkat dari waktu ke waktu.

Modalku 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, Modalku menunjukan DUA JENIS ANGKA sebagai berikut:

• MK TKB Total :98,76% / MK TKB 90 : 94,10%

Anda perlu mewaspadai dua angka tersebut. Angka yang wajib dijadikan patokan anda merupakan TKB90, yang juga dipakai oleh semua website P2P lending di Indonesia. Modalku menyajikan angka satunya lagi untuk mengecohkan anda bahwa kondisi pinjaman mereka cukup aman, padahal kenyataannya jumlah pinjaman gagal meningkat dari waktu ke waktu.

Jadi, mengacu pada TKB90, ada sekitar 6 persen pinjaman Modalku yang bermasalah, berarti jumlah bermasalahnya lumayan tinggi!

Perlindungan Modal Investor Modalku

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

Modalku tidak bisa menjamin bahwa dana anda aman 100%. Apabila terjadi gagal bayar mereka hanya akan berusaha menagih tanpa berjanji apa-apa.

Saya sudah merasakan gagal bayar di Modalku yang benar-benar mengikis keuntungan saya.

Di tahun 2021 Modalku sudah mencoba memitigasi risiko dengan cara bekerjasama dengan asuransi kredit, namun sayangnya belum semua jenis produk diproteksi oleh asuransi ini.

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

Modalku Syariah atau Tidak?

Modalku pernah mengeluarkan pernyataan bahwa mereka berminat masuk kategori syariah, tapi belum terwujud sampai saat ini.

Promosi dan Program Referral Modalku

Sampai sekarang saya sulit menilai nya karena tidak ada informasi yang jelas. Bahkan kita tidak bisa melihat siapa saja yang sudah kita refer. Untuk mengetahuinya harus menghubungi tim mereka untuk di cek manual.

Terakhir kali saya menghubungi mereka di Desember 2018, mereka berkata sudah tidak lagi melakukan program referral.

Catatan Lain

Modalku adalah satu satunya P2P lending yang membuat saya rugi, karena saya menyebarkan uang saya di empat produk pendanaan yang ternyata memiliki debitur sama. Debitur tersebut masuk daftar hitam sehingga empat pinjaman saya tersebut semuanya dinilai gagal bayar meskipun memiliki grade A.

Lucunya, keempat pendanaan tersebut disebarkan otomatis oleh mesin mereka yang semestinya malah meminimalkan risiko saya, bukan menaruh seluruh uang saya di satu keranjang!

Semenjak saat itu saya tidak lagi percaya pada Modalku untuk investasi P2P lending, meskipun saya masih menggunakan Modalku untuk membeli obligasi negara karena promonya yang menarik.

Modalku nampaknya tidak terlalu peduli dengan keluhan lender retail, karena memang lender institusi mereka sudah cukup kuat. Untuk apa peduli dengan teriakan lender retail yang memiliki uang receh apabila lender institusi jauh lebih mudah diajak bekerjasama.

Kesimpulan

Kelebihan Modalku:

  • Pilihan pinjaman tenor pendek beragam (mulai dari satu bulan), serta pinjaman umumnya terdanai penuh dalam waktu yang relatif singkat (dibawah satu minggu).
  • Website memberikan informasi yang komprehensif dan User Interface pada mobile apps mudah untuk dipahami.

Kekurangan Modalku:

  • 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.
  • Asuransi hanya melindungi pinjaman tertentu
  • Kuantitas dan variasi pinjaman yang semakin sedikit
  • Terlalu banyak informasi di website

Rekomendasi

Saya kapok dengan Modalku, dan banyak lender lain juga kapok dengan Modalku. Cek saja komentar-komentar pembaca dibawah. Agak disayangkan sih, padahal latar belakang Modalku sangat kuat sampai ke mancanegara. Tapi ya sepertinya Modalku memang tidak tertarik membangun reputasi diantara lender retail, karena bahkan sampai sekarang tidak ada klarifikasi soal review ini.

Siapa yang Cocok Berinvestasi di Modalku?

  • Investor yang mau sport jantung mendanai pinjaman dengan risiko tinggi

Bagaimana dengan Saya?

Apabila anda membaca halaman ini dengan seksama tentu anda sudah tahu, kesimpulannya saya tidak lagi memakai Modalku untuk mendanai P2P lending karena dari semua P2P lending yang saya coba, disini satu-satunya yang membuat saya rugi. Namun saya masih menggunakan Modalku untuk membeli SBN.

Apabila tertarik, daftar di Modalku menggunakan kode referral saya jdq73oc9 meskipun saya tidak mendapatkan bonus apa-apa.

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

Adrian Siaril
Adrian Siaril

The boss

Articles: 591

506 Comments

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  1. Ini juga satu-satunya P2P yang membuat saya rugi. Saya coba dengan 2jt, hanya kembali sekitar 1.2jt di akhir. Tidak ada asuransi seperti di Amartha, jaminan yg bisa dicairkan, atau jaminan dari platform seperti di Asetku. Hati-hati saja jika borrower sudah mulai telat dan stop bayar karena benar-benar tidak ada pengamanan lajn dari platform. Saya lihat dari hari ke hari TKB90 nya juga tidak kunjung membaik bahkan per hari ini hanya di kisaran 92%!

  2. Modalku ini sudah cukup tua dan berizin tapi kok tidak membuat terobosan untuk jaminan dana ya misalnya dengan kerja sama asuransi atau penjaminan apa gitu. Kalau cuma mengandalkan diversifikasi ya sama saja kayak macan ompong berarti kita pasrah pada keadaan

  3. Entah kenapa sejak terbiasa dengan p2p berasuransi (bawaan atau beli tambahan) saya jadi takut masuk ke p2p tidak berasuransi sama sekali. Karena pengalaman default juga udah lumayan di Koinworks, Modalku, Amartha

  4. Saya investasi dari tahun 2017an di modalku, amartha dan investree. Satu-satunya investasi yang rugi hanya di modalku, padahal yang lain bisa untung sesuai harapan (>10%). Sangat mengecewakan – sebaiknya customer lebih hati-hati dalam memilih P2P lending

    • Sama dong gan kalo gitu hehehe. Menariknya, Modalku malah sekarang statusnya sudah berizin OJK. Entah bagaimana caranya padahal di sisi pengguna banyak yang mengeluhkan kerugian di Modalku

  5. Saya sejak tahun 2017 menjadi lender di Modalku sampai dengan akhir tahun 2019 saya menarik dana saya. Dari 105 pinjaman yang saya danai, 14 pinjaman default dan modal/pokok saya yang unrecoverable adalah sebesar 4,4 juta.
    Bahkan ada borrower type UKM yang tenor pinjaman di atas 1 tahun, baru mencicil 3 bulan sudah stop, entah borrower tidak beritikad tidak baik atau pihak Modalku yang kurang ketat dan teliti dalam menseleksi borrower.
    Per hari ini 19 Juli 2020, TKB90 Modalku hanya 90.21%.
    Saya jadi rugi opportunity cost selama 2 tahun, kalau tahu seperti ini mendingan dana saya investkan ke instrumen high risk saja sekalian misalnya di saham.

    Tulisan ini saya buat hanya sebagai tujuan mereview pengalaman pribadi saya di Modalku tanpa ada niat menjelek-jelekkan Modalku. Semoga membantu.

    • Terimakasih sudah berbagi pengalaman kak Tri, memang banyak kejadian seperti itu di Modalku. TKB90 90.21% berarti dalam 90 hari kebelakang ada 10% pinjamannya gagal bayar. Rasio ini hampir setara dengan persentase pinjaman macet di portfolio kak Tri (14/105). Saya waktu itu pun rugi opportunity cost selama setahun. Saya harap pengalaman buruk kak Tri di Modalku tidak membuat kak Tri kapok dengan p2p lending, karena banyak p2p lending lain yang mitigasi risikonya lebih bagus, misalnya dengan memberlakukan asuransi kredit atau dana provisi. Salam cuan kak

  6. Terima kasih ulasannya.

    Saya mulai Invest di P2P sejak 2018 dengan 4 platform yaitu Amartha, Investree, Modalku, dan DanaIN. Seperti pengalaman-pengalaman di atas, memang Modalku yang mengalami kerugian. Investree sempat terlambat bayar, tapi sudah lunas. Namun di Modalku sampai saat ini masih ada 3 akun borrower yang default sejak 2019! Sejak itu, sisa uang saya tarik semua dari Modalku, menyisakan 3 ini. Hingga kini hanya memantau laporan upaya penarikan yang entah sampai kapan, hiks…

    Semoga jadi pengalaman untuk yang lain.

    • Sy mulai berkenalan dgn p2p adalah dgn modalku, sejujurnya atau mungkin sy sedikit lebih beruntung karena sy msh bisa menikmati sedikit keuntungan sbg lender di modalku.
      Saat ini sy smtr tidak lagi aktif dimodalku lebih banyak dikarenakan
      1. Tidak ada jaminan apapun jika terjadi gagal bayar di modalku, beda dgn bbrp klub sebelah he..
      2. Biaya adm yg dibebankan ke lender sgt besar, sy pernah berhitung sdri dari profit yg dihasilkan setelah dikurangi biaya2 yg muncul, hasil akhirnya bunganya hny plus minus 5pct net, tidak sebanding dengan resiko yg ditanggung.( Sekali lagi hny hitung2an pribadi)
      3. Borowers sering melakukan pembayaran yg dipercepat, dimana cukup merugikan lender dr sisi waktu, misal dr planing 2 bulan, tahu2 dlm seminggu sdh di bayar, dan hasil yg diterima lender sgt sedikit, lender hrs mencari lagi borowers yg baru yg spt disampaikan diatas kayak rebutan sembako.
      Sy setuju bahwa dg status seniority di p2p bisnis, modalku harus berani berubah dgn memberikan nilai lebih berupa keamanan ke lender, apalagi disokong dana oleh investor2 tajir.

        • lebih baik dibikin forum telegram/wa group nya pak nanti kita ramai2 bikin surat ke modalku atau kita samperin saja agar investasi pokok kita kembali 80%.

  7. SETUJU SEKALI MODALKU paling merugikan investor !! tidak ada solusi konkrit untuk modal yang telah di investasikan, bisa hilang 100 % !!! kalau ada yang mau investasi hindari p2p ini !!!!

  8. Saya juga sudah gak menggunakan ini p2p , rugi 2.1 jt gak tercover dan lucu nya sudah bertahun2 gak bisa balik

    Mending koinworks masih untung dan dijamin

  9. Saya juga rugi besar di modalku. Sejak 2018, jauh sebelum covid.
    Data NPL/TKB90 sih bisa diotak-atik. Kredit bermasalah kan di-restrukturisasi, setelah direstrukturisasi berubah lancar. Padahal ya ujung2nya tetap saja macet. Selain itu saya pernah mendapati ada peminjam yang nunggak ratusan juta selama beberapa bulan, dicicil 500 ribu saja, statusnya langsung berubah jadi lancar.
    Dan yang bikin sakit hati, fee modalku palign besar sendiri diantara p2p lain di indonesia, fee nya 3% dari P+I

  10. Wait, kenapa borrower yg udah masuk dftr hitam bisa lolos untuk didanai? Memangnya tidak ada BI checking ya di Modalku?

    • ini review menceritakan pengalaman saya 2018-2019 silam. saat itu belum ada FDC dan Pusdafil yang terhubung SLIK BI. Sekarang Modalku sudah jauh lebih baik, namun karena saya tidak pakai lagi, maka saya gabisa update review ini untuk menggambarkan situasi terkini.

  11. Posisi saya per hari ini sejak jadi pendana di Modalku sekitar 2 tahun yang lalu adalah: Keuntungan sekitar 7jt rupiah, namun kerugian sekitar 11jt rupiah dengan komposisi 5jt tidak bisa dipulihkan dan 6jt dalam masa pemulihan. Semoga saja 6jt ini bisa berubah menjadi pengembalian.

    • Amiin pak Dave, semoga bisa pulih ya. Kalau info dari pak Doddy Bicara Investasi, pinjaman terbaru di Modalku sekarang sudah di cover insurance. Sangat disayangkan ga daridulu kaya gitu

  12. hati2 om yang mendanai di MODALKU
    saya main2 ke GRUP AKSI GAGAL BAYAR PINJOL di facebook
    udah rame bahas GAGAL BAYAR di MODALKU
    bahkan ada yang dapat kredit senilai 21 juta,, terus langsung dicarin duitnya lewat bukalapak dll
    yang lebih mengangetkan…pinjaman tersebut adalah PINJAMAN PRODUKTIF, kayak warung gitu … nggak ada itikad baiknya mereka mah
    bikin sakit hati dehh

    sumpah saya nggak boong….
    makanya saya kasian ajah liat investor2 di modalku yang bakal kehilangan uangnya
    mohon diapprove mas adrian siaril

    pokoknya selalu hindari PINJAMAN p2p lending yang tanpa ASURANSI dan AGUNAN dech
    bahaya…bahaya

    utk fotonya saja SS in aja ini cuman 1
    kalo ga percaya terserah, ane mau ngasih tau ajahh

    https://www.imagebam.com/view/ME1LH4Z

    • Saya ga pernah reject comment kok pak, semua komentar saya terima. Justru komen seperti ini sangat berharga dan saya akan share juga ke grup Telegram kami. Terimakasih informasinya ya pak sudah dibagikan kesini.

  13. Wah, ternyata banyak juga yang bernasib sama. Selama periode saya bergabung, saya untung 9jt dan rugi 15jt. Artinya ada kerugian sekitar 6jt. Dana yang masih tertahan karena default sekitar 29jt.

    Kesalahan saya adalah menggunakan robot untuk mencari pinjaman yang akan didanai. Rupanya si robot ini secara otomatis bisa memberikan pinjaman lebih dari sekali untuk satu peminjam yang sama yang memecah hutangnya ke dalam lebih dari satu pinjaman.

    Anehnya lagi, saya sudah buka semua fact sheet dari peminjam yang default ini dan semuanya diatas kertas terlihat sehat dengan track record yang sempurna. Kesimpulan saya ada dua: (1) ada pembiaran di sini karena memang debitur tidak dilindungi oleh asuransi, (2) ada kelalaian dari pihak Modalku yang bisa jadi disengaja.

    Kita tidak pernah tahu bagaimana akuntabilitas Modalku karena tidak pernah ada audit yang pernah dilakukan.

    Semoga ada penasihat hukum yang membaca ini dan bisa mengambil tindakan.

    • kalau kak Dave berharap ada intervensi hukum maka sulit sih karena OJk menganggap kerugian kita di P2P itu risiko sendiri, kecuali ada tindak pidana dari p2p nya seperti borrower fiktif

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