Review Gradana – P2P Properti Konsumtif+Produktif
Review ini pertama dibuat tanggal 21 Februari 2019 dan terakhir diperbaharui pada 7 Juli 2021. Saat ini saya masih aktif menggunakan Gradana meskipun dengan nominal portfolio yang kecil. Kriteria penilaian yang digunakan untuk mengulas Gradana dibahas lengkap di tulisan BAGAIMANA MENGEVALUASI P2P LENDING. Sebelum membaca review ini, saya merekomendasikan anda membaca tulisan tersebut supaya bisa memahami jelas kriteria yang digunakan dalam review ini. Daftar di Gradana menggunakan kode referral saya ADRIANXGRADANA dan dapatkan bonus.
Portofolio Saya
Total disbursement: 5.938.810 rupiah atas 5 pinjaman
Total bunga: 347.240 rupiah
Total gagal bayar/ telat bayar: 5.000.000 rupiah dari satu pinjaman
Latar Belakang Perusahaan Gradana
Latar belakang perusahaan meningkatkan kredibilitas terhadap pihak yang mengelola uang anda, semakin transparan, semakin baik nilainya.
Gradana adalah pemain baru yang didirikan tahun 2017 oleh enterpreneur Indonesia yaitu William Susilo Yunior, juga memiliki bisnis startup Persegi, Gorry Holdings dan Velospace & Co, bersama dengan Angela Oetama yang sebelumnya bekerja di Sinarmas Land serta berbagai perusahaan real estate lainnya.
Staf mereka hanya sekitar belasan orang namun sudah menjadi top 10 P2P lending Indonesia menurut laporan KPMG bulan November 2018. Gradana pada tahun 2019 akhirnya menerima suntikan dana pra-A series dari TryB. Meskipun merupakan hal bagus, tapi bila dibandingkan dengan P2P lending lain yang sudah menerima seri A dan bahkan B, jelas Gradana ketinggalan jauh.
Produk Pendanaan Gradana
Kuantitas Pinjaman Gradana
Kuantitas pinjaman penting agar dana anda tidak nganggur (tidak berbunga) serta mempermudah proses diversifikasi untuk meminimalkan risiko.
Gradana adalah salah satu website P2P lending dengan jumlah pinjaman paling sedikit yang pernah saya temui, bahkan lebih sedikit daripada iGrow dan Growpal yang berbasis musiman. Pinjaman baru juga muncul secara tidak konsisten. Selama berbulan-bulan terdaftar, baru satu buah pinjaman yang saya lihat.
Jadi jangan berharap bisa daftar di Gradana dan langsung investasi besar-besaran.
Variasi Pinjaman Gradana
Variasi pinjaman penting untuk meminimalkan risiko, serta membantu lender/investor menyusun perencanaan keuangan yang baik terhadap likuiditas uangnya.
Gradana memang berdiri untuk fokus menjadi P2P lending yang berfokus pada pendanaan properti seperti sewa ruko, renovasi, dan financing jasa arsitek/kontraktor. Jadi wajar saja semua pendanaannya memang benar-benar hanya berkaitan dengan properti. Dari segi retur, sumber pihak ketiga mengacu pada angka 15-24%.
Dulu tenor gradana hampir semuanya 12 bulan keatas, namun sejak ulasan ini diperbaharui, mereka mulai menyajikan tenor singkat di sekitar 3 bulan dalam bentuk invoicing. Mereka biasanya menggunakan nama ‘Grakarya’ untuk merujuk pada jenis pinjaman modal kerja, nama ‘Grasewa’ untuk jenis pinjaman personal dimana sang peminjam menggalang dana untuk mencicil sewa properti, dan nama ‘Grastrata’ untuk merujuk pada jenis pinjaman personal untuk pembelian properti.
- Grastrata umumnya memiliki return 11.8% pa dengan tenor 7 bulan
- Grakarya umumnya memiliki return 24% pa dengan tenor dibawah 3 bulan
- Grasewa umumnya memiliki return 17.5% pa dengan tenor 12 bulan atau lebih
Jadi variasi pinjaman di Gradana cukup oke namun sulit diversifikasi karena keterbatasan pinjaman yang tersedia.
Likuiditas Gradana
Seberapa cepat uang yang anda pinjamkan bisa kembali ke tangan anda. Apabila likuiditas cukup buruk biasa dikarenakan tenor pinjamannya panjang-panjang.
Tergantung jenis pinjaman yang anda danai, tenornya pendek atau panjang. Meskipun jarang pinjaman tersedia, namun penggalangan dana di Gradana cukup memakan waktu sekitar 1 sampai 2 minggu, jadi bila anda mendanai suatu pinjaman namun pinjaman tersebut belum terpenuhi, uang anda mandek tidak berkembang sehingga turut menurunkan likuiditas.
Namun kebanyakan pinjaman Gradana memberikan pengembalian bulanan yang akan membantu cashflow anda.
Jumlah Minimal Investasi Gradana
Jumlah minimal investasi yang kecil/murah membuka peluang bagi lebih banyak orang karena tidak perlu mengeluarkan banyak uang untuk belajar investasi.
Nominal minimal investasi cukup unik yaitu dihitung berdasarkan lot prorata. Harga lot terendah yang pernah saya lihat adalah 20rb rupiah jadi nominal investasi di Gradana sangat rendah!
Dampak Sosial Gradana
Beberapa investasi di P2P lending mempunyai dampak sosial baik, dan beberapa tidak.
Gradana cukup membawa dampak sosial yang cukup baik karena pendanaan anda bisa membantu masalah properti yang makin parah di Indonesia (misalnya ruko kosong, pembangunan macet, kurang lahan, dll). Dampak sosial anda juga tergantung jenis pinjaman yang anda danai. Menurut saya, pinjaman Grastrata dan Grasewa jelas bukan pinjaman produktif, namun kita tidak bisa memungkiri bahwa tempat tinggal adalah salah satu kebutuhan dasar yang manusia harus punya, jadi kita membantu orang lain memenuhi kebutuhan dasar tersebut. Untuk Grakarya tentu masuk kategori pinjaman produktif yang dampak sosialnya biasa-biasa saja (sama dengan working capital).
Mitigasi Risiko Gradana
Beberapa website P2P lending memiliki perlindungan atau jaminan terhadap nilai modal anda sehingga kerugian anda terbatasi bila terjadi gagal bayar.
Sekarang Gradana memiliki asuransi yang melindungi 80 persen modal lender, namun tidak jelas pinjaman jenis apa saja yang dilindungi asuransi tersebut. Ingat, Gradana punya beberapa jenis produk pinjaman.
Informasi lebih lanjut tentang penanganan gagal bayar, baca artikel ini.
Apakah Gradana Investasi Bodong?
Gradana terdaftar dan diawasi oleh OJK.
Belum ada laporan, keluhan publik, atau tuntutan formal yang mempermasalahkan kerugian finansial yang diakibatkan oleh Gradana. Saya sendiri sebagai pengguna Gradana yang sudah lama mendaftar disini tidak pernah menemui masalah yang serius. Gradana bukan investasi bodong yang membawa kabur uang anda. Mungkin anda membaca komentar tentang dana macet atau gagal bayar di Gradana, namun hal itu merupakan risiko dasar p2p lending, bukan indikasi ilegal.
Untuk memahami peran OJK serta makna kata ‘diawasi’, baca artikel ini di poin ketiga.
RM dan Customer Service Gradana
Dinilai dari kecepatan membalas dan kualitas balasannya – apakah sesuai pertanyaan? Apakah punya empati dan ingin mengenal pemodal lebih lanjut?
Mereka bisa dihubungi lewat Whatsapp dan sangat responsif dalam menjawab pertanyaan saya: +628111899188.
Persentase Non Performing Loan (NPL) Gradana
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 bulan November 2018 mengatakan 0% yang berarti tidak pernah terjadi gagal bayar.
Gradana 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, Gradana menunjukan angka 0% untuk kredit macet mereka. Berarti dari awal sampai sekarang belum ada kredit macet sama sekali. Keren!
Saya tidak akan memperbaharui bagian ini lagi karena anda bisa mengecek sendiri angka TKB90 terbaru di website mereka.
Gradana Syariah atau Tidak?
Belum dikelola secara syariah, namun dalam suatu wawancara, pemimpin Gradana berkata mereka ‘mirip syariah’ karena menjunjung kebaikan peminjam dan transparansi.
Gradana Kualitas Program Referral
Referral dan referee dua-duanya mendapatkan Rp100 ribu, tapi tidak dijelaskan secara detail persyaratan yang harus dipenuhi keduanya (misalnya harus investasi dulu).
Menurut konfirmasi tim mereka, saldo referral ini bisa dicairkan dan tidak hangus.
Kesimpulan
Kelebihan Gradana:
- Satu-satunya P2P lending berbasis properti di Indonesia.
- Retur cukup tinggi
Kekurangan Gradana
- Benar-benar jarang tersedia pinjaman disini.
- Tenor cenderung panjang.
Rekomendasi
Gradana memiliki preposisi unik dengan menyediakan pinjaman berbasis propertiserta mengandung pinjaman produktif maupun konsumtif didalamnya. Sayangnya, jumlah pendanaan di Gradana masih tergolong sedikit sekali, dan Gradana kelihatan kurang engage dengan khalayak publik sehingga kurang eksis di kalangan lender.
Siapa yang Cocok Berinvestasi di Sini?
- Investor yang punya kepedulian di sektor properti.
- Investor yang melihat P2P lending sebagai investasi jangka panjang.
Tertarik? Daftar di Gradana menggunakan kode referral saya ADRIANXGRADANA dan dapatkan bonus.
Demikian ulasan/review saya tentang Gradana. Semoga bisa memberi anda gambaran tentang kelebihan dan kekurangan Gradana, serta membantu anda menentukan apakah Gradana aman untuk profil risiko anda. Jangan lupa untuk membandingkan website P2P lending lainnya.
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