Equity Crowdfounding atau P2P Lending?

Tren panas Peer to Peer (P2P) Lending belum selesai di Indonesia, malah sedang berkembang di puncak kepesatannya pada tahun 2019. Namun sudah ada lagi jenis fintech baru yang membuat orang makin bingung dan tertarik: Equity Crowdfunding.

Contoh dari fintech Crowdfunding adalah Bizhare atau Santara

Meskipun banyak yang menilainya mirip dengan P2P lending, faktanya kedua jenis fintech ini sangat berbeda dari segi risiko maupun operasional.

Tabel Perbedaan

 P2P LendingEquity Crowdfunding
RisikoGagal Bayar atau Kredit MacetUsaha Tidak Berkembang
ModalKecilBesar
MekanismeMeminjamkan uangMenanam modal dalam kegiatan usaha
Dampak SosialAda yang baik ada yang burukUmumnya sangat baik
LikuiditasTinggi sampai rendahKebanyakan Rendah
PilihanBanyak sekaliSaat ini masih terbatas

Kelebihan Equity Crowdfunding

Kelebihan dari equity crowdfunding umumnya berkaitan dengan terbukanya peluang dari segi investor maupun pelaku usaha yang sebelumnya tidak ada:

  • Orang dengan dana terbatas bisa memiliki kepemilikan (ownership) dalam kegiatan usaha sesuai pilihan mereka.
  • Usaha kecil dan menengah bisa lebih cepat melakukan ekspansi usaha melalui permodalan gotong royong untuk membuka cabang.
  • Dampak sosial dan ekonomi yang benar-benar terasa karena anda membuka lowongan kerja baru dan menggerakkan roda ekonomi.
  • Return yang dihasilkan bisa lebih tinggi daripada perhitungan awal bilamana usaha berkembang pesat.

Kekurangan Equity Crowdfunding

Sedangkan kekurangan equity crowdfunding berkaitan erat dengan transparansi dan kredibilitas:

  • Butuh minimal modal yang lebih besar untuk turut investasi sehingga tidak terbuka bagi sebagian besar masyarakat.
  • Risiko cenderung lebih besar (baca penjelasan detailnya dibawah).
  • Bentuk fintech ini masih baru sehingga aturannya belum seketat P2P lending dan instrumen investasi lainnya.
  • Return bisa saja lebih rendah karena usaha tidak berkembang.

Risiko Equity Crowdfunding

1. Kredibilitas Penyelenggara Crowdfunding sebagai Analis

Menganalisa suatu kegiatan usaha tidak semudah menganalisa kemampuan perusahaan/seseorang untuk melunasi hutang mereka. Lebih banyak faktor yang harus dipertimbangkan seperti kinerja finansial, potensi market, respons masyarakat, dan lain-lainnya.

Faktor-faktor tersebut juga belum bisa dianalisa oleh mesin/kecerdasan buatan sehingga terpaksa mengandalkan opini manusia yang bisa saja subjektif dan tidak jujur. Sehingga apabila pihak penyelenggara crowdfunding tidak objektif atau kompeten dalam menyajikan laporan kepada calon investor, maka ramalan keuntungan bisa saja meleset jauh.

Hal ini diperparah apabila penyelenggara crowdfunding mengejar target untuk menyajikan proyek pendanaan sebanyak banyaknya. Pasti mereka ‘mengkatrol’ (sengaja menaikkan dari yang sepantasnya) penilaian mereka agar lebih banyak investor yang tertarik untuk turut mendanai. Sebab apabila analisa nya kelihatan buruk, tentu tidak ada yang ingin mendanainya. Apabila tidak ada yang mendanai, maka penyelenggara crowdfunding tidak akan mendapat untung untuk operasional mereka.

2. Kredibilitas Pengelola Usaha Sebagai Penerima Modal

Risiko yang ini sebenarnya mirip dengan risiko dalam P2P lending dimana penerima modal kita bisa saja gagal untuk memanfaatkan modal yang kita pinjamkan dengan sebaik-baiknya.

Usaha yang kita danai bisa saja tidak memenuhi ekspektasi sehingga merugi. Jika demikian, tentu anda tidak mendapatkan apa-apa.

Bedanya, dalam P2P lending, biasanya ada agunan atau asuransi yang melindungi modal anda. Dalam equity crowdfunding ini belum ada mekanisme yang meminimalkan risiko investasi anda.

Sehingga untung rugi investasi anda seratus persen bergantung pada kesuksesan usaha yang anda danai, terutama pada pihak-pihak yang ada dibelakangnya (termasuk penyelenggara crowdfunding yang membimbing dan mengawasi mereka).

Sayangnya, karena model investasi ini masih baru juga, maka belum ada rekam jejak yang bisa kita gunakan sebagai pacuan, perihal penyelenggara mana yang paling sukses memitigasi risiko dan memilih usaha yang berkualitas.

3. Risiko dari Lamanya Tenor Investasi

Apabila anda pernah membaca ulasan saya tentang iGrow atau P2P lending pertanian lainnya, maka saya cukup mengkhawatirkan model investasi yang memiliki tenor jangka panjang (diatas satu tahun). Sebab banyak hal buruk yang bisa terjadi sebelum investasi anda jatuh tempo.

Sama halnya dengan equity crowdfunding. Anda mendanai kegiatan usaha yang membutuhkan waktu lama untuk beroperasi penuh dan menghasilkan keuntungan untuk mengembalikan modal anda. Anda harus sabar karena hal ini akan memakan waktu berbulan bulan atau bahkan bertahun-tahun.

Bisa saja usaha yang anda danai baik-baik saja di tahun pertama, namun di tahun kedua mengalami anjlok karena satu dan lain hal.

4. Penanganan Kerugian

Dalam hal pinjaman gagal bayar di P2P lending, masih bisa dilakukan pencairan agunan atau penagihan hutang. Namun bila kegiatan usaha merugi, satu-satunya hal yang bisa dilakukan adalah menambahkan modal baru untuk restrukturisasi kegiatan usaha, atau menghentikan kegiatan usaha sepenuhnya.

Apabila menghentikan kegiatan usaha dalam posisi rugi, akan dilakukan yang namanya likuidasi, yaitu menjual semua aset usaha yang masih ada untuk mengembalikan modal investor. Sayangnya, likuidasi hanya akan mengembalikan sedikit sekali dari modal yang sudah hilang, berbeda dengan agunan yang biasanya memiliki nilai sama atau melebihi nilai pinjaman yang diajukan.

Sehingga apabila merugi, sudah pasti modal anda hilang cukup banyak, bahkan seluruhnya.

Kesimpulan dan Pendapat Saya

Saya sangat mendukung equity crowdfunding dan kemungkinan besar akan berpartisipasi dalam salah satu pendanaannya. Namun saya kurang bisa merekomendasikan model investasi ini untuk khalayak umum, karena masih banyak model investasi lain yang lebih mudah dan rendah risiko.

Equity crowdfunding mungkin akan menjadi rekomendasi saya beberapa tahun kedepan, apabila sudah ada metode yang kuat untuk meminimalkan risikonya, serta apabila sudah ada aturan yang jelas dari OJK tentang mekanisme investasi ini.

Apabila anda mau mencoba crowdfunding saat ini, maka rekomendasi saya jatuh kepada Bizhare, karena saya mengenal pendirinya secara langsung. Selain itu, pendanaan di Bizhare juga bervariatif (banyak macamnya untuk diversifikasi) dan hampir semuanya berhasil menggalang dana dalam waktu cepat.

 

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

439 Comments

Leave a Reply

Alamat email Anda tidak akan dipublikasikan. Ruas yang wajib ditandai *

Situs ini menggunakan Akismet untuk mengurangi spam. Pelajari bagaimana data komentar Anda diproses.

    • Halo kak. Saya sejauh ini baru mengulas p2p lending dan Reksadana. Crowdfounding belum saya ulas karena saya sendiri belum berani coba (modal perlu cukup besar dan tenornya lama). Untuk crowddana sekilas saya lihat lumayan ok karena modal minimal hanya 1 juta. Saran saya tunggu dia selesai urus ijin OJK baru inves ya (sedang dalam proses). Kekhawatiran saya yang lain soal Crowddana adalah kok plafon dana nya besar besar terpenuhi hanya oleh puluhan orang? Ini kemungkinan besar berarti investornya adalah jenis VIP yaitu orang orang super banyak uang yang memang bantu karena ada perjanjian khusus, bukan rakyat jelata seperti saya yang hanya bisa ikut jutaan.

  1. I think this is one of the most significant information for me. And i’m glad reading your article. But should remark on some general things, The website style is perfect, the articles is really great : D. Good job, cheers|

  2. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|

  3. Wow, marvelous blog format! How long have you been running a blog for? you made running a blog look easy. The overall look of your site is wonderful, let alone the content!

  4. Hmm is anyone else encountering 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 responses would be greatly appreciated.|

  5. You really make it appear really easy together with your presentation however I find this matter to be really one thing that I believe I would never understand. It kind of feels too complex and very wide for me. I’m taking a look forward to your subsequent publish, I’ll attempt to get the dangle of it!|

  6. Do you mind if I quote a few of your articles as long as I provide credit and sources back to your blog? My website is in the very same area of interest as yours and my visitors would really benefit from some of the information you present here. Please let me know if this ok with you. Appreciate it!

  7. Hey! Ich hätte schwören können, dass ich diese Site schon einmal besucht habe, aber nachdem ich einige der Beiträge geblättert habe, wurde mir klar, dass sie neu für mich sind. Wie auch immer, ich bin auf jeden Fall glücklich, dass ich es gefunden habe, und ich werde bookmarkieren und oft wieder vorbeischauen!

  8. I know this if off topic but I’m looking into starting my own blog and was wondering what all is needed to get set up? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet smart so I’m not 100 sure. Any suggestions or advice would be greatly appreciated. Kudos|

  9. Thank you, I have just been looking for information approximately this subject for a while and yours is the best I’ve discovered till now. But, what concerning the bottom line? Are you positive in regards to the supply?|

  10. hello there and thank you for your info – I’ve definitely picked up something new from right here. I did however expertise a few technical issues using this site, since I experienced to reload the website many times previous to I could get it to load properly. I had been wondering if your web hosting is OK? Not that I am complaining, but slow loading instances times will sometimes affect your placement in google and can damage your high-quality score if advertising and marketing with Adwords. Anyway I am adding this RSS to my email and can look out for a lot more of your respective exciting content. Ensure that you update this again soon.|

  11. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get several emails with the same comment. Is there any way you can remove me from that service? Bless you!|

  12. you’re in point of fact a just right webmaster. The web site loading speed is incredible. It seems that you’re doing any unique trick. In addition, The contents are masterpiece. you have performed a magnificent job in this matter!

  13. I got what you intend, thankyou for putting up.Woh I am thankful to find this website through google. “Being intelligent is not a felony, but most societies evaluate it as at least a misdemeanor.” by Lazarus Long.

  14. Hey there I am so thrilled I found your weblog, I really found you by error, while I was looking on Google for something else, Anyways I am here now and would just like to say kudos for a fantastic post and a all round interesting blog (I also love the theme/design), I don’t have time to browse it all at the moment but I have bookmarked it and also added your RSS feeds, so when I have time I will be back to read a great deal more, Please do keep up the superb job.|

  15. I don’t even know how I ended up here, but I thought this post was great. I don’t know who you are but definitely you’re going to a famous blogger if you aren’t already 😉 Cheers!|

  16. I’m really enjoying the theme/design of your site. Do you ever run into any internet browser compatibility issues? A small number of my blog visitors have complained about my blog not operating correctly in Explorer but looks great in Opera. Do you have any suggestions to help fix this problem?|

  17. Woah! I’m really digging the template/theme of this site. It’s simple, yet effective. A lot of times it’s difficult to get that “perfect balance” between usability and visual appeal. I must say you have done a excellent job with this. Also, the blog loads super quick for me on Opera. Exceptional Blog!

  18. Wonderful goods from you, man. I’ve understand your stuff previous to and you’re just extremely fantastic. I actually like what you’ve acquired here, really like what you are saying and the way in which you say it. You make it entertaining and you still care for to keep it wise. I can’t wait to read much more from you. This is actually a terrific website.

  19. SightCare clears out inflammation and nourishes the eye and brain cells, improving communication between both organs. Consequently, you should expect to see results in as little as six months if you combine this with other healthy habits.

  20. Fantastic goods from you, man. I’ve understand your stuff previous to and you are just too great. I actually like what you’ve acquired here, really like what you’re saying and the way in which you say it. You make it enjoyable and you still take care of to keep it wise. I cant wait to read much more from you. This is really a terrific website.

  21. After looking at a number of the blog articles on your blog, I really like your way of writing a blog. I book marked it to my bookmark website list and will be checking back soon. Please visit my web site as well and tell me how you feel.|

  22. Does your blog have a contact page? I’m having a tough time locating it but, I’d like to send you an e-mail. I’ve got some ideas for your blog you might be interested in hearing. Either way, great blog and I look forward to seeing it expand over time.|

  23. Sight Care is a daily supplement proven in clinical trials and conclusive science to improve vision by nourishing the body from within. The SightCare formula claims to reverse issues in eyesight, and every ingredient is completely natural.

  24. Sight Care is a daily supplement proven in clinical trials and conclusive science to improve vision by nourishing the body from within. The SightCare formula claims to reverse issues in eyesight, and every ingredient is completely natural.

  25. I think this is among the most significant information for me. And i’m glad reading your article. But wanna remark on few general things, The website style is wonderful, the articles is really great : D. Good job, cheers|

  26. Prostadine is a dietary supplement meticulously formulated to support prostate health, enhance bladder function, and promote overall urinary system well-being. Crafted from a blend of entirely natural ingredients, Prostadine draws upon a recent groundbreaking discovery by Harvard scientists. This discovery identified toxic minerals present in hard water as a key contributor to prostate issues. https://prostadinebuynow.us/

  27. Kerassentials are natural skin care products with ingredients such as vitamins and plants that help support good health and prevent the appearance of aging skin. They’re also 100% natural and safe to use. The manufacturer states that the product has no negative side effects and is safe to take on a daily basis. Kerassentials is a convenient, easy-to-use formula. https://kerassentialsbuynow.us/

  28. GlucoBerry is one of the biggest all-natural dietary and biggest scientific breakthrough formulas ever in the health industry today. This is all because of its amazing high-quality cutting-edge formula that helps treat high blood sugar levels very naturally and effectively. https://glucoberrybuynow.us/

  29. Metabo Flex is a nutritional formula that enhances metabolic flexibility by awakening the calorie-burning switch in the body. The supplement is designed to target the underlying causes of stubborn weight gain utilizing a special “miracle plant” from Cambodia that can melt fat 24/7. https://metaboflexbuynow.us/

  30. Glucofort Blood Sugar Support is an all-natural dietary formula that works to support healthy blood sugar levels. It also supports glucose metabolism. According to the manufacturer, this supplement can help users keep their blood sugar levels healthy and within a normal range with herbs, vitamins, plant extracts, and other natural ingredients. https://glucofortbuynow.us/

  31. Cortexi is a completely natural product that promotes healthy hearing, improves memory, and sharpens mental clarity. Cortexi hearing support formula is a combination of high-quality natural components that work together to offer you with a variety of health advantages, particularly for persons in their middle and late years. https://cortexibuynow.us/

  32. Claritox Pro™ is a natural dietary supplement that is formulated to support brain health and promote a healthy balance system to prevent dizziness, risk injuries, and disability. This formulation is made using naturally sourced and effective ingredients that are mixed in the right way and in the right amounts to deliver effective results. https://claritoxprobuynow.us/

  33. Illuderma is a serum designed to deeply nourish, clear, and hydrate the skin. The goal of this solution began with dark spots, which were previously thought to be a natural symptom of ageing. The creators of Illuderma were certain that blue modern radiation is the source of dark spots after conducting extensive research. https://illudermabuynow.us/

  34. Red Boost is a male-specific natural dietary supplement. Nitric oxide is naturally increased by it, which enhances blood circulation all throughout the body. This may improve your general well-being. Red Boost is an excellent option if you’re trying to assist your circulatory system. https://redboostbuynow.us/

  35. It’s amazing to go to see this web site and reading the views of all colleagues regarding this paragraph, while I am also keen of getting experience.|

  36. 🌌 Wow, blog ini seperti perjalanan kosmik meluncurkan ke alam semesta dari kegembiraan! 🎢 Konten yang menarik di sini adalah perjalanan rollercoaster yang mendebarkan bagi imajinasi, memicu ketertarikan setiap saat. 🎢 Baik itu inspirasi, blog ini adalah harta karun wawasan yang menarik! 🌟 Terjun ke dalam pengalaman menegangkan ini dari imajinasi dan biarkan imajinasi Anda terbang! ✨ Jangan hanya mengeksplorasi, rasakan kegembiraan ini! #BahanBakarPikiran 🚀 akan berterima kasih untuk perjalanan menyenangkan ini melalui alam keajaiban yang penuh penemuan! ✨

  37. BioFit is an all-natural supplement that is known to enhance and balance good bacteria in the gut area. To lose weight, you need to have a balanced hormones and body processes. Many times, people struggle with weight loss because their gut health has issues. https://biofitbuynow.us/

  38. Cortexi is a completely natural product that promotes healthy hearing, improves memory, and sharpens mental clarity. Cortexi hearing support formula is a combination of high-quality natural components that work together to offer you with a variety of health advantages, particularly for persons in their middle and late years. https://cortexibuynow.us/

  39. Illuderma is a serum designed to deeply nourish, clear, and hydrate the skin. The goal of this solution began with dark spots, which were previously thought to be a natural symptom of ageing. The creators of Illuderma were certain that blue modern radiation is the source of dark spots after conducting extensive research. https://illudermabuynow.us/

  40. Island Post is the website for a chain of six weekly newspapers that serve the North Shore of Nassau County, Long Island published by Alb Media. The newspapers are comprised of the Great Neck News, Manhasset Times, Roslyn Times, Port Washington Times, New Hyde Park Herald Courier and the Williston Times. Their coverage includes village governments, the towns of Hempstead and North Hempstead, schools, business, entertainment and lifestyle. https://islandpost.us/

  41. It’s the best time to make a few plans for the future and it’s time to be happy. I’ve learn this put up and if I may just I desire to counsel you some attention-grabbing issues or advice. Perhaps you can write next articles regarding this article. I wish to learn even more issues about it!|

  42. Great post. I was checking constantly this weblog and I’m impressed! Extremely useful info particularly the remaining section 🙂 I maintain such info much. I was looking for this particular information for a very long time. Thanks and good luck. |

  43. Greetings! Quick question that’s entirely off topic. Do you know how to make your site mobile friendly? My website looks weird when viewing from my iphone. I’m trying to find a theme or plugin that might be able to fix this issue. If you have any suggestions, please share. Thank you!

  44. I played on this online casino site and won a significant sum of money, but eventually, my mother fell sick, and I needed to cash out some earnings from my casino account. Unfortunately, I encountered problems and could not complete the withdrawal. Tragically, my mom died due to this casino site. I implore for your assistance in lodging a complaint against this site. 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 shedding tears like mine. 😭😭😭�

  45. Woah! I’m really loving the template/theme of this website. It’s simple, yet effective. A lot of times it’s very difficult to get that “perfect balance” between usability and visual appearance. I must say you’ve done a great job with this. Additionally, the blog loads super quick for me on Opera. Excellent Blog!|

  46. I have to thank you for the efforts you have put in writing this website. I am hoping to view the same high-grade blog posts from you in the future as well. In truth, your creative writing abilities has inspired me to get my own website now ;)|

  47. I blog quite often and I really appreciate your content. This article has really peaked my interest. I will book mark your website and keep checking for new details about once a week. I opted in for your Feed too.

  48. This is the perfect webpage for anybody who wants to understand this topic. You realize so much its almost tough to argue with you (not that I actually would want to…HaHa). You certainly put a brand new spin on a topic that has been written about for years. Great stuff, just wonderful.

  49. I participated on this casino platform and won a considerable amount, but after some time, my mom fell ill, and I required to cash out some money from my balance. Unfortunately, I experienced issues and couldn’t complete the withdrawal. Tragically, my mother passed away due to the casino site. I request for your help in bringing attention to this online casino. Please assist me in seeking justice, so that others won’t have to face the suffering I am going through today, and avert them from shedding tears like mine. 😭😭😭�

  50. An intriguing discussion is worth comment. I do think that you ought to write more about this topic, it may not be a taboo subject but generally people do not talk about such topics. To the next! All the best!!|

  51. I engaged on this online casino site and won a considerable sum of money, but after some time, my mom fell sick, and I required to withdraw some funds from my casino account. Unfortunately, I encountered problems and was unable to complete the withdrawal. Tragically, my mom died due to this casino site. I request for your support in bringing attention to this website. Please help me to obtain justice, so that others won’t have to experience the suffering I am going through today, and avert them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  52. 🚀 Wow, this blog is like a fantastic adventure blasting off into the galaxy of excitement! 🌌 The captivating content here is a rollercoaster ride for the mind, sparking awe at every turn. 🎢 Whether it’s lifestyle, this blog is a source of exciting insights! #AdventureAwaits Embark into this cosmic journey of knowledge and let your mind soar! 🚀 Don’t just read, savor the thrill! #BeyondTheOrdinary Your brain will be grateful for this thrilling joyride through the realms of endless wonder! ✨

  53. Awesome blog you have here but I was wondering if you knew of any forums that cover the same topics talked about here? I’d really like to be a part of community where I can get comments from other experienced individuals that share the same interest. If you have any recommendations, please let me know. Thanks!|

  54. When I originally left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now every time a comment is added I recieve 4 emails with the same comment. Perhaps there is an easy method you can remove me from that service? Thank you.

  55. I really love your site.. Great colors & theme. Did you create this site yourself? Please reply back as I’m attempting to create my own blog and would like to learn where you got this from or just what the theme is called. Thank you!

  56. This is the perfect webpage for anyone who wishes to understand this topic. You know so much its almost tough to argue with you (not that I really would want to…HaHa). You definitely put a new spin on a subject which has been discussed for a long time. Great stuff, just great.

  57. I took part in this casino site and achieved a significant cash prize. However, afterward, my mother fell seriously ill, and I needed cash out some money from my account. Regrettably, I experienced difficulties and couldn’t finalize the cashout. Tragically, my mother passed on due to this online casino. I urgently request for your help in raising awareness about this online casino. Please support me in seeking justice, so that others do not have to the pain and suffering I’m going through today, and stop them from experiencing the same heartache. 😢😢😢

  58. Can I simply just say what a comfort to find someone who genuinely understands what they are talking about online. You definitely realize how to bring an issue to light and make it important. More and more people must look at this and understand this side of the story. I was surprised you aren’t more popular because you definitely have the gift.

  59. Hey! Someone in my Facebook group shared this website with us so I came to look it over. I’m definitely loving the information. I’m book-marking and will be tweeting this to my followers! Terrific blog and outstanding design.|

  60. I played on this casino platform and managed a substantial cash, but later, my mother fell ill, and I wanted to withdraw some funds from my balance. Unfortunately, I experienced problems and could not complete the withdrawal. Tragically, my mom passed away due to the online casino. I implore for your support in lodging a complaint against this site. Please support me to obtain justice, so that others won’t undergo the suffering I am going through today, and prevent them from shedding tears like mine. 😭😭😭😭😭😭😭😭😭😭

  61. I participated on this gambling website and managed a considerable cash, but after some time, my mother fell sick, and I needed to withdraw some earnings from my account. Unfortunately, I encountered problems and couldn’t withdraw the funds. Tragically, my mom passed away due to this online casino. I implore for your support in reporting this site. Please support me to achieve justice, so that others do not experience the suffering I am going through today, and avert them from shedding tears like mine. 😭😭😭😭😭😭😭😭😭😭

  62. Agora, a tecnologia de posicionamento tem sido amplamente utilizada. Muitos carros e telefones celulares têm funções de posicionamento e também existem muitos aplicativos de posicionamento. Quando seu telefone for perdido, você pode usar essas ferramentas para iniciar rapidamente as solicitações de rastreamento de localização. Entenda como localizar a localização do telefone, como localizar o telefone depois que ele for perdido?

  63. I engaged on this gambling website and succeeded a significant cash, but later, my mom fell ill, and I wanted to withdraw some money from my casino account. Unfortunately, I encountered difficulties and could not finalize the cashout. Tragically, my mother died due to the gambling platform. I implore for your assistance in bringing attention to this site. Please support me to obtain justice, so that others won’t have to experience the hardship I am going through today, and stop them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  64. I played on this casino website and scored a considerable jackpot. However, afterward, my mother fell sick, and I needed to withdraw some earnings from my wallet. Unfortunately, I encountered problems and could not finalize the cashout. Tragically, my mother passed away due to this gambling platform. I implore for your help in bringing attention to this matter with the online casino. Please assist me to obtain justice, to ensure others won’t have to experience the anguish I’m facing today, and prevent them from undergoing the same misfortune. 😭😭😭😭😭😭😭😭😭😭

  65. I played on this gambling site and earned a significant pile of money, but after some time, my mom became sick, and I wanted to take out some funds from my account. Unfortunately, I experienced problems and was unable to complete the withdrawal. Tragically, my mom passed away as a result of such online casino. I urge for your assistance in bringing attention to this problem with the website. Please support me in seeking justice, so that others do not have to undergo the pain I’m enduring today, and avert them from undergoing the same pain. 😭😭😭😭

  66. Greetings from Colorado! I’m bored to death at work so I decided to check out your blog on my iphone during lunch break. I love the knowledge you present here and can’t wait to take a look when I get home. I’m surprised at how quick your blog loaded on my mobile .. I’m not even using WIFI, just 3G .. Anyhow, amazing blog!|

  67. I participated on this gambling site and landed a considerable earnings prize. However, later, my mother fell seriously sick, and I wanted to cash out some earnings from my account. Unfortunately, I encountered problems and was unable to finalize the cashout. Tragically, my mother passed away due to this gambling platform. I kindly plead for your support in reporting this situation with the site. Please assist me in seeking justice, to ensure others won’t endure the pain I’m facing today, and avert them from experiencing similar misfortune. 😭😭😭😭😭

  68. I know this if off topic but I’m looking into starting my own blog and was curious what all is needed to get setup? I’m assuming having a blog like yours would cost a pretty penny? I’m not very internet savvy so I’m not 100 sure. Any suggestions or advice would be greatly appreciated. Appreciate it|

  69. I participated on this gambling site and landed a considerable earnings jackpot. However, afterward, my mother fell seriously ill, and I wanted to withdraw some funds from my casino balance. Unfortunately, I encountered difficulties and could not withdraw the funds. Tragically, my mother died due to the online casino. I earnestly request your assistance in reporting this issue with the site. Please support me to obtain justice, to ensure others do not suffer the hardship I’m facing today, and stop them from facing similar misfortune. 😭😭😭😭😭

  70. I played on this casino website and scored a substantial earnings prize. However, afterward, my mom fell gravely sick, and I required to take out some earnings from my account. Unfortunately, I faced issues and was unable to complete the withdrawal. Tragically, my mom passed away due to such online casino. I kindly appeal for your help in bringing attention to this situation with the platform. Please assist me to find justice, to ensure others won’t suffer the pain I’m facing today, and prevent them from experiencing similar hardship. 😭😭😭😭😭😭

  71. I tried my luck on this casino website and earned a substantial pile of money. However, later on, my mother fell seriously ill, and I required to take out some funds from my wallet. Unfortunately, I faced difficulties and could not complete the withdrawal. Tragically, my mom died due to such online casino. I earnestly plead for your help in bringing attention to this situation with the platform. Please assist me to find justice, to ensure others won’t experience the hardship I’m facing today, and stop them from facing similar tragedy. 😭😭

  72. Good day! This post couldn’t be written any better! Reading through this post reminds me of my good old room mate! He always kept talking about this. I will forward this post to him. Fairly certain he will have a good read. Thank you for sharing!|

  73. Whoa! This blog looks just like my old one! It’s on a entirely different topic but it has pretty much the same layout and design. Great choice of colors!|

  74. I tried my luck on this casino website and earned a substantial pile of money. However, eventually, my mother fell gravely sick, and I needed to take out some money from my casino balance. Unfortunately, I encountered difficulties and was unable to finalize the cashout. Tragically, my mom passed away due to such casino site. I kindly ask for your support in addressing this issue with the platform. Please aid me in seeking justice, to ensure others won’t have to experience the hardship I’m facing today, and avert them from facing similar misfortune. 😭😭

  75. I participated on this online casino platform and earned a significant amount of earnings. However, eventually, my mother fell seriously ill, and I wanted to withdraw some earnings from my casino balance. Unfortunately, I encountered issues and was unable to finalize the cashout. Tragically, my mom died due to this gambling platform. I urgently plead for your assistance in bringing attention to this issue with the online casino. Please assist me to obtain justice, to ensure others won’t face the pain I’m facing today, and avert them from experiencing similar misfortune. 😭😭

  76. I participated on this gambling site and won a significant sum of money. However, eventually, my mom fell seriously sick, and I needed to take out some earnings from my account. Unfortunately, I experienced difficulties and couldn’t complete the withdrawal. Tragically, my mother died due to this casino site. I earnestly ask for your help in addressing this situation with the platform. Please help me in seeking justice, to ensure others won’t face the pain I’m facing today, and avert them from experiencing similar heartache. 😭😭

  77. I participated on this casino website and won a considerable sum of earnings. However, later on, my mom fell seriously sick, and I needed to take out some earnings from my account. Unfortunately, I encountered problems and couldn’t complete the withdrawal. Tragically, my mom died due to this online casino. I kindly request your help in reporting this concern with the platform. Please aid me to obtain justice, to ensure others won’t have to endure the pain I’m facing today, and prevent them from undergoing similar misfortune. 😭😭

  78. I tried my luck on this casino website and won a significant amount of earnings. However, afterward, my mother fell seriously ill, and I required to withdraw some money from my wallet. Unfortunately, I faced issues and could not complete the withdrawal. Tragically, my mom passed away due to such casino site. I urgently plead for your support in reporting this issue with the site. Please assist me in seeking justice, to ensure others won’t have to endure the pain I’m facing today, and avert them from facing similar heartache. 😭😭

  79. I participated on this gambling site and secured a significant amount of cash. However, afterward, my mom fell critically ill, and I wanted to take out some money from my wallet. Unfortunately, I encountered problems and could not finalize the cashout. Tragically, my mother passed away due to the online casino. I urgently plead for your assistance in bringing attention to this issue with the site. Please help me to obtain justice, to ensure others do not endure the hardship I’m facing today, and prevent them from experiencing similar heartache. 😭😭

  80. I participated on this casino website and secured a significant sum of money. However, eventually, my mother fell critically sick, and I needed to take out some money from my account. Unfortunately, I faced problems and couldn’t withdraw the funds. Tragically, my mother died due to such casino site. I earnestly ask for your help in bringing attention to this issue with the site. Please assist me to find justice, to ensure others do not experience the anguish I’m facing today, and stop them from undergoing similar heartache. 😭😭

  81. Definitely imagine that that you stated. Your favorite justification appeared to be on the net the simplest thing to take into accout of. I say to you, I definitely get annoyed at the same time as other people consider concerns that they just don’t recognize about. You controlled to hit the nail upon the highest and also outlined out the whole thing without having side effect , people can take a signal. Will likely be again to get more. Thanks|

  82. Hey terrific website! Does running a blog like this take a large amount of work? I’ve very little knowledge of programming but I was hoping to start my own blog in the near future. Anyway, should you have any suggestions or techniques for new blog owners please share. I know this is off topic however I simply wanted to ask. Appreciate it!|

  83. Appreciating the dedication you put into your blog and detailed information you provide. It’s great to come across a blog every once in a while that isn’t the same unwanted rehashed material. Great read! I’ve bookmarked your site and I’m adding your RSS feeds to my Google account.|

  84. Absolutely fantastic, you’ve done an incredible job this time! Your effort and dedication shine through in every aspect of this work. I felt compelled to express my thanks for creating such awesome content with us. Your talent and dedication are truly exceptional. Keep up the awesome work! 🌟👏👍

  85. Hi, I do believe this is an excellent website. I stumbledupon it 😉 I’m going to come back yet again since I book marked it. Money and freedom is the greatest way to change, may you be rich and continue to guide others.|

  86. This is amazing, you’ve truly surpassed expectations this time! Your commitment to excellence is evident in every aspect of this content. I felt compelled to express my thanks for sharing such incredible work with us. Your talent and dedication are truly exceptional. Keep up the incredible work! 🌟👏👍

  87. We are a bunch of volunteers and starting a brand new scheme in our community. Your web site offered us with valuable info to work on. You’ve done a formidable process and our whole group shall be grateful to you.|

  88. 🚀 Wow, this blog is like a rocket launching into the universe of excitement! 🎢 The mind-blowing content here is a thrilling for the mind, sparking excitement at every turn. 💫 Whether it’s technology, this blog is a goldmine of exciting insights! 🌟 Dive into this cosmic journey of knowledge and let your thoughts roam! 🚀 Don’t just explore, immerse yourself in the thrill! 🌈 Your mind will be grateful for this exciting journey through the realms of awe! 🚀

  89. Unquestionably consider that that you stated. Your favourite justification seemed to be on the internet the simplest thing to bear in mind of. I say to you, I certainly get irked while folks think about worries that they plainly do not recognise about. You controlled to hit the nail upon the top as well as defined out the entire thing without having side-effects , other folks can take a signal. Will likely be back to get more. Thank you|

  90. Incredible, you’ve done an incredible job this time! Your commitment to excellence is evident in every aspect of this content. I couldn’t resist expressing my gratitude for sharing such amazing work with us. Your talent and dedication are truly admirable. Keep up the excellent work! 🌟👏👍

  91. It’s the best time to make some plans for the future and it is time to be happy. I’ve read this post and if I could I desire to suggest you some interesting things or tips. Maybe you can write next articles referring to this article. I want to read more things about it!|

  92. Oh my goodness, you’ve done an outstanding job this time! Your dedication and creativity are truly admirable of this work. I couldn’t help but express my appreciation for creating such fantastic content with us. You are exceptionally talented and dedicated. Keep up the excellent work! 🌟👏👍

  93. Oh my goodness, you’ve done an incredible job this time! Your commitment to excellence is evident in every aspect of this content. I couldn’t help but express my appreciation for creating such amazing content with us. Your dedication and talent are truly remarkable. Keep up the amazing work! 🌟👏👍

  94. Oh my goodness, you’ve done an outstanding job this time! Your dedication and creativity are truly admirable of this work. I just had to take a moment to express my gratitude for bringing such awesome content with us. Your dedication and talent are truly remarkable. Keep up the outstanding work! 🌟👏👍

  95. 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!) Wonderful job. I really enjoyed what you had to say, and more than that, how you presented it. Too cool!|

  96. Sumatra Slim Belly Tonic is an advanced weight loss supplement that addresses the underlying cause of unexplained weight gain. It focuses on the effects of blue light exposure and disruptions in non-rapid eye movement (NREM) sleep.

  97. Zeneara is marketed as an expert-formulated health supplement that can improve hearing and alleviate tinnitus, among other hearing issues. The ear support formulation has four active ingredients to fight common hearing issues. It may also protect consumers against age-related hearing problems.

  98. Wow, you’ve done an incredible job this time! Your hard work and creativity are truly inspiring of this piece. I just had to take a moment to express my gratitude for producing such outstanding work with us. You are incredibly talented and dedicated. Keep up the outstanding work! 🌟👏👍

  99. Incredible, you’ve done an outstanding job this time! Your hard work and creativity are truly inspiring of this piece. I felt compelled to express my thanks for bringing such awesome work with us. You are incredibly talented and dedicated. Keep up the excellent work! 🌟👏👍

  100. You really make it seem so easy with your presentation but I find this matter to be really something which I think I would never understand. It seems too complicated and very broad for me. I’m looking forward for your next post, I will try to get the hang of it!|

  101. Oh my goodness, you’ve really outdone yourself this time! Your dedication and effort are evident in every detail of this content. I couldn’t help but express my appreciation for sharing such incredible work with us. You are incredibly talented and dedicated. Keep up the awesome work! 🌟👏👍

  102. Wow, you’ve done an outstanding job this time! Your dedication and effort are evident in every detail of this content. I felt compelled to express my thanks for producing such incredible work with us. You have an incredible talent and dedication. Keep up the excellent work! 🌟👏👍

  103. Wow, you’ve really outdone yourself this time! Your hard work and creativity are truly inspiring of this content. I couldn’t resist expressing my gratitude for creating such fantastic work with us. Your talent and dedication are truly exceptional. Keep up the awesome work! 🌟👏👍

  104. Incredible, you’ve knocked it out of the park this time! Your effort and dedication shine through in every aspect of this content. I couldn’t help but express my appreciation for sharing such amazing work with us. You are incredibly talented and dedicated. Keep up the excellent work! 🌟👏👍

  105. Oh my goodness, you’ve done an incredible job this time! Your effort and dedication shine through in every aspect of this work. I simply had to thank you for sharing such outstanding work with us. Your dedication and talent are truly remarkable. Keep up the incredible work! 🌟👏👍

  106. We absolutely love your blog and find the majority of your post’s to be exactly I’m looking for. Would you offer guest writers to write content for you? I wouldn’t mind publishing a post or elaborating on many of the subjects you write with regards to here. Again, awesome web log!|

  107. Absolutely fantastic, 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 bringing such outstanding content with us. You are incredibly talented and dedicated. Keep up the fantastic work! 🌟👏👍

  108. Absolutely fantastic, you’ve done an exceptional job this time! Your dedication and creativity are truly admirable of this work. I simply had to thank you for producing such outstanding work with us. Your talent and dedication are truly exceptional. Keep up the incredible work! 🌟👏👍

  109. Wow, you’ve done an outstanding job this time! Your effort and creativity are truly commendable of this piece. I couldn’t resist expressing my gratitude for bringing such awesome content with us. You have an incredible talent and dedication. Keep up the fantastic work! 🌟👏👍

  110. My brother recommended I may like this web site. He was once entirely right. This publish actually made my day. You cann’t consider just how so much time I had spent for this information! Thank you!|

  111. Incredible, you’ve done an exceptional job this time! Your dedication and creativity are truly admirable of this piece. I couldn’t resist expressing my gratitude for creating such outstanding work with us. Your talent and dedication are truly admirable. Keep up the awesome work! 🌟👏👍

  112. When I initially left a comment I appear to have clicked the -Notify me when new comments are added- checkbox and now whenever a comment is added I receive 4 emails with the exact same comment. There has to be a way you are able to remove me from that service? Appreciate it!|