Review Uangme 2021 – P2P Konsumtif dengan Program Referral Terbaik

Review ini pertama dibuat pada 2 Oktober 2019 dan terakhir diperbaharui pada 9 Juli 2021. Review ini sudah dibaca dan ditanggapi langsung oleh Mr. Muxin selaku tim produk dari Uangme serta ibu Martha sebagai RM. Penulisan review ini dibantu oleh rekan saya Andreas Paskalis (@paskalis_analytics) dan Pak Goku (@gokumasterultrainstinct) Kriteria penilaian yang digunakan untuk mengulas Uangme 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.

Mencari kode referral Uangme? Gunakan kode ini –> 7627 

Portofolio Saya di Uangme

Total disburse: 91.300.000 rupiah

Total Return: 1.022.626 rupiah

Total dana bermasalah: 0 rupiah

Latar Belakang Perusahaan

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

Latar belakang Uangme cukup sulit ditelaah lewat internet. Berkat bantuan rekan-rekan saya, kita mengetahui bahwa Uangme sebenarnya dimiliki oleh PT Intidana Wijaya, yang merupakan pemegang saham (holding) bank ICBC sebesar 1.3%. Direktur utama Uangme merupakan komisaris di PT Supra Boga Lestari, yang produknya kita kenal sebagai outlet Ranch Market.

Namun Uangme sendiri lebih suka menggunakan nama SuperAtom sebagai induk perusahaan mereka. SuperAtom sendiri berbasis di Indonesia namun ‘dilahirkan’ oleh perusahaan Cheetah mobile yang berbasis di Tiongkok. Saat ini SuperAtom sudah memiliki suntikan dana dari Gobi Partners.

Setelah mengetahui latar belakang Uangme, saya sedikit yakin akan kredibilitas latar belakang mereka, namun saya berharap Uangme bisa menjabarkan fakta-fakta tersebut secara transparan dalam promosi mereka, agar banyak investor yang langsung percaya terhadap kredibilitas P2P lending ini.

Produk Pendanaan Uangme

Kuantitas Pinjaman

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

Secara teori, sama seperti P2P lending model konsumtif lainnya, jumlah pinjaman di Uangme bisa dibilang tak terbatas, karena dana dari lender secara terus menerus disebarkan ke berbagai peminjam yang tidak diketahui jumlahnya (dialokasikan otomatis oleh sistem).

Namun secara kenyataan, nyatanya jumlah uang di sisi peminjam tentu ada nominalnya, terbukti karena belakangan ini Asetku, yang merupakan ‘senior’ dari Uangme, mulai menerapkan kuota pendanaan untuk mencapai keseimbangan antara peminjam dan pendana.

Saat ini kita bisa berbahagia menikmati Uangme karena belum menerapkan sistem kuota tersebut, namun seiring berjalannya waktu saya rasa Uangme juga akan melakukan hal tersebut bila jumlah lender terus berkembang melebihi ekspektasi.

Uangme lebih suka untuk menaikkan dan menurunkan rate pendanaan untuk menyeimbangkan dana lender dan pengajuan borrower. Jadi jangan kaget bila anda melihat teman anda dapat rate yang lebih tinggi disini daripada anda.

Variasi Pinjaman

Karena memiliki model konsumtif, tentu saja variasi pinjaman di Uangme sangatlah sempit, alias hanya sebatas tenor saja yang berbeda.

Hal ini membuat diversifikasi kategori mustahil, namun investor pemula tidak akan pusing memilih produk di Uangme karena hanya tinggal memilih tenor saja.

Saat ini tenor di Uangme berkisar antara 21 hari sampai 4 bulan. Tenor yang lebih lama tentu memiliki bunga yang lebih tinggi. Ada tenor 7 hari yang hanya bisa diambil satu kali saja saat baru mendaftar.

Retur tertinggi di Uangme berkisar di 23% per tahun untuk tenor 4 bulan. Angka tersebut menjadikan Uangme P2P lending konsumtif dengan retur tertinggi, yang hanya bisa dikalahkan oleh P2P lending kategori lending produktif dengan risiko besar – misalnya produk dari Akseleran dengan penilaian kelas C atau produk dari Koinworks dengan penilaian kelas E yang bisa mencapai yang bisa mencapai bunga 30% pertahun.

Likuiditas

Mengingat tenor terendah adalah 21 hari, serta uang kembali otomatis ke rekening dalam maksimal 2 hari kerja tanpa dipotong biaya apapun, maka dapat dipastikan likuiditas di Uangme sangatlah baik.

Bagi yang menginginkan investasi jangka menengah, Uangme juga menyediakan tenor 4 bulan. Tenor ini cocok apabila anda memiliki sebongkah uang yang tidak akan digunakan dalam waktu singkat.

Jumlah Minimal Investasi

Per 14 Oktober 2019, jumlah pendanaan minimal Uangme naik menjadi 1 juta rupiah.

Kecuali untuk penggunaan menggunakan kupon tertentu, modal minimal mungkin lebih tinggi.

Karena Uangme tidak memiliki wallet, pendanaan langsung dikembalikan ke rekening anda secara langsung.

Dampak Sosial

Sejauh ini dampak sosial kelihatannya buruk karena dalam lending konsumtif, orang yang anda danai bukan menggunakan uang tersebut untuk kegiatan yang produktif seperti modal usaha atau ekspansi bisnis, namun menggunakannya untuk keperluan pribadi yang bersifat konsumsi (misalnya beli pulsa, keperluan mendadak, sampai barang mewah seperti HP)

Perlu juga diketahui bahwa Uangme mengenakan bunga sebesar 0.79% per hari kepada peminjam. Bunga ini sangat tipis dibawah ambang batas maksimum yang diperbolehkan OJK di angka 0.8%. Hal ini boleh dipertimbangkan apabila anda tidak mau dijuluki ‘lintah darah online’ oleh kaum kaum konservatif.

Apakah Uangme Aman?

Ya, Uangme terdaftar dan diawasi oleh OJK (Otoritas Jasa Keuangan), namun Uangme belum mencapai tahap izin oleh OJK. “Terdaftar dan Diawasi” bisa saja diartikan seperti “lolos tahap administrasi, namun belum lolos tahap ujian”.

Apakah Uangme penipu?

Belum pernah ada laporan, berita, atau keluhan tentang pelanggaran serius yang diakibatkan oleh Uangme. Saya sebagai pengguna yang sudah bergabung selama 1 bulan juga belum menemukan masalah yang serius tentang mereka.

Apabila anda membaca komentar negatif tentang pembayaran yang telat di Uangme, hal tersebut nampaknya hampir dapat dipastikan hoax, karena P2P lending konsumtif seperti Uangme tidak memiliki risiko gagal panen seperti Crowde atau risiko kredit macet seperti Modalku.

Jadi, sampai detik ini saya berani berkata bahwa Uangme bukan penipu

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

RM dan Customer Service

Saya belum secara pribadi menghubungi tim mereka, namun banyak informasi yang ditulis dalam artikel ini merupakan hasil dialog antara rekan saya dengan tim CS mereka, sehingga kesan saya bahwa tim CS mereka cukup responsif dan tidak sembunyi sembunyi dalam menjawab pertanyaan lender.

Saya juga mengenal RM mereka yang bernama bu Martha meskipun belum pernah bertemu secara langsung. Beliau sangat sigap dalam menjawab pertanyaan saya.

Persentase Non Performing Loan (NPL)

Saat ini nilai TKB90 adalah 100%, yang berarti dalam 90 hari kebelakang tidak ada pinjaman yang bermasalah. Ini adalah salah satu indikasi baik bahwa meskipun Uangme memiliki model konsumtif dengan risiko yang lebih tinggi, namun manajemen risiko mereka cukup baik.

Saya tidak akan memperbaharui bagian ini secara berkala karena untuk melihat TKB90 terbaru anda bisa mengecek di website Uangme dan aplikasi mereka.

Perlindungan Modal Investor

Bila terjadi wanprestasi, Pokok dan Bunga tetap kembali 100% karena pokok telah dijamin oleh Asuransi Sinarmas Insurtech sebesar 80%. Uangme sudah membayar premi untuk fasilitas itu. Hal ini sudah dikonfirmasi oleh CS mereka, meskipun Sinarmas Insurtech menolak memberikan konfirmasi kepada saya.

Lalu bagaimana dengan sisa 20 persen dan bunga yang tidak dicover asuransi? Menurut rekan saya Pak Adi Surya (komentar beliau bisa dilihat dibagian bawah), sisanya tersebut berasal dari kantong Uangme pribadi, dipotong dari penghasilan operasional mereka.

Dulu Uangme memitigasi risiko dengan memberikan retur variable – misalnya terjadi gagal bayar, mungkin bunga yang anda terima lebih rendah karena kerugiannya ditanggung renteng oleh banyak investor. Namun hal tersebut tidak berlaku lagi sekarang.

Seringkali banyak orang bertanya di blog saya melalui email maupun komentar: kalau memang gagal bayar dijamin, mana pasalnya? Mana janji tertulisnya?

Perlu saya informasikan bahwa aturan OJK mewajibkan seluruh P2P lending untuk menyatakan “risiko gagal bayar sepenuhnya ditanggung pendana” jadi kalau kita cek secara legal memang tidak ada tulisan nya bahwa modal dilindungi. Hal ini juga berlaku untuk Koinworks, Danain, Amartha, etc – Perlindungan modal murni inisiatif setiap P2P lending dan tidak bersifat wajib sehingga tidak bisa ditulis dalam dokumen legal.

OJK juga melarang P2P lending melindungi modal pendana melalui dana himpunan sendiri (harus dilindungi pihak lain).

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

Syariah atau Tidak?

Tidak.

Promo dan Program Referral

Uangme memperbaharui program referral mereka sejak April 2020 untuk mengenalkan komisi ganda yang mirip dengan skema multilevel marketing sampai dengan April 2021. Tidak ada p2p lending lain yang memiliki skema ganda seperti ini.

Dengan skema ini, referrer atau pengundang menjadi semakin untung bila mengundang temannya untuk turut berinvestasi. Kita bahas dulu apa yang masih tidak berubah, yakni apabila ada yang mendaftar menggunakan kode referral anda, anda mendapatkan 5 ribu rupiah.

Perbedaannya terletak dari komisi pendanaannya. Sebelumnya, komisi hanya diberikan untuk pendanaan pertama teman anda, dimana anda akan mendapat 1% dari dana yang ia taruh (dulu hanya 0.5%). Sekarang dengan skema baru, komisi ini berlaku tidak hanya untuk pendanaan pertama melainkan semua pendapatan teman anda sampai program ini berakhir!

Selain itu, apabila teman yang anda undang tadi mengundang temannya yang lain, anda juga menerima 2000 rupiah tanpa mengurangi hak 5000 rupiah milik teman anda yang diundang pertama kali! Dan pendanaan dari temannya teman anda ini (yang tidak anda undang) juga memberikan anda komisi sebesar 0.5% dari setiap pendanaan dia, gila kan!

Tapi anda perlu ingat, dengan skema baru ini Uangme juga menyisipkan rumus baru dalam perhitungan komisi, yakni tenor pinjaman. Semakin pendek tenor pendanaan teman anda, semakin kecil pula bonus referralnya. Mereka menggunakan rumus “Nominal pendanaan / 360 * tenor * 1%”, jadi pendanaan 1.8 Milyar di tenor 22 hari menghasilkan komisi 1 juta rupiah.

Uangme juga menghilangkan nominal maksimal bonus, jadi secara teori komisi maksimal anda unlimited alias tidak terbatas. Uangme secara resmi menjadi p2p lending yang memiliki program referral terbaik, bahkan menurut saya bisa dijadikan kerja sampingan anda. Tidak perlu mengeluarkan modal, cukup mempromosikan saja Uangme kepada teman-teman anda untuk mendapat passive income dari investasi mereka.

Anda bisa menarik komisi referral anda kapan saja tanpa perlu menunggu komisinya mencapai nominal tertentu. Pencairan komisi juga sama seperti pengembalian pinjaman yang hanya memakan maksimal 1 hari kerja, serta TIDAK dipotong biaya admin maupun biaya transfer. Mantap pol!

Untuk promosi selain referral, Uangme juga kerap memberikan kupon potongan yang nilainya lumayan besar (sampai jutaan). Namun tentu kupon potongan tersebut hanya mengurangi modal yang perlu anda investasikan untuk mencapai retur tertentu, dan ketika pendanaan sudah jatuh tempo nilai kupon tersebut tidak anda dapatkan sebagai uang tunai.

Kesimpulan

Kelebihan

  • Jumlah pinjaman yang saat ini ‘tidak ada habisnya’.
  • Menyediakan tenor lengkap, dari pendek sampai menengah.
  • Bunga yang disajikan cukup kompetitif.
  • Skema referral yang menarik.

Kekurangan

  • Tidak adanya relationship manager yang bisa membimbing investor baru.
  • Minimal investasi 1 juta rupiah, cukup besar dibanding pemain lainnya.
  • Latar belakang perusahaan yang cukup tertutup dan belum dikenal baik oleh saya maupun publik.

Uangme adalah pemain baru yang mendadak eksis karena mengambil momentum yang tepat – ia hadir sebagai alternatif terbaik Asetku sejak Asetku menerapkan kuota pendanaan yang membuat pusing semua orang.

Saya tetap lebih percaya Asetku dibandingkan Uangme karena sudah mengenal Asetku luar dalam. Namun, tidak bisa dipungkiri bahwa saat ini Uangme layak dicoba karena sayapun malas berebutan pendanaan di Asetku yang mengharuskan saya memantau hp di waktu tertentu seperti ketika saya mengikuti Flash Sale.

Siapa yang Cocok Berinvestasi di Sini?

  • Orang orang yang dibuat pusing oleh Asetku
  • Pemain baru P2P lending yang baru mau mencoba coba dengan komitmen minim

Mencari kode referral Uangme? Gunakan kode ini –> 7627 

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

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

436 Comments

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    • Menurut pernyataan tim mereka, begitu ya. Harap dibaca penjelasan saya mengapa semua p2p lending tidak bisa menuliskan perlindungan modal dalam disclaimer mereka.

      • saya pernah tanya2 sama Investor Relationnya ( sebutannya di uangme : RM )

        memperoleh informasi sbb
        – asuransi sinarmas insurtech ini hanya mengcover 80% dari pokok pinjaman (jadi bukan 100%)
        – saat ini (awal oktober) jumlah NPL yg sesungguhnya masih dibawah 3%

        Tetapi terus mengapa uangme ini bisa mengembalikan dana lender 100% ?
        hitung2annya sbb (ini semua cuma asumsi pribadi)

        bunga pinjaman = 0.8% x 30 hari = 24% per bulan

        biaya bunga investor/lender = 2% per bulan (perkiraan)
        biaya NPL / kredit macet = 3% per bulan (perkiraan)
        biaya premi asuransi = 0.5% per bulan (perkiraan)

        Laba kotor(sblm operasional )= 24 – 2 – 3 – 0.5 = 18.5% per bulan

        dengan laba kotor 18% per bulan maka masih bisa mengembalikan pokok dari uang investornya
        cuma hitung2an ini belum dikonfirmasi oleh pihak uangme
        hanya asumsi saya saja

        Lalu dengan laba kotor 18%
        bagaimana dengan laba bersih apakah mereka profit atau tidak ?

        saya juga belum mendapatkan jawaban dari IR karena
        1. laporan keuangan tidak publish
        2. IR juga tidak mengetahui komponen biaya operasional yang lain seperti
        -biaya marketing , biaya operasional kantor, biaya jasa debt collector, biaya pajak, biaya regulasi,dll
        sehingga 18% ini sisanya berapa juga ga tahu. yang tahu ya direksi yg levelnya lebih atas

          • boleh pak
            ini ada secuil informasi pak
            ini ada fintech p2p lain (komunal) juga memakai jasa sinarmas insurtech
            https://ibb.co/mvzCVFJ
            disitu tertulis asuransi kredit mengcover 80% dari nilai pinjaman yang tidak terbayar setelah 90 hari

            cuma bedanya
            – kalau di p2p-komunal ini, memang dituliskan sinarmas insurtechnya di website
            VS
            – kalau di p2p uangme, sinarmas insurtech ini tidak dituliskan di website , cuma Lisan saja
            tentu saja para lender lebih suka kalau dituliskan di website (tidak cuma lisan)

          • mantap jadi pak asiaril tanya ke simas insurtech
            untuk konfirmasi bahwa uangme memang klien mereka ya pak. hehe
            pak berikut ini adalah
            perhitungan bunga pinjaman VS biaya NPL
            https://ibb.co/9h0JsSW
            jika diasuransi 80% pokok memang diperlukan NPL 55% baru rugi lebih
            tetapi perlu diingat pada tabel tersebut
            hanya dicantumkan biaya NPL dan fitur asuransi
            belum dicantumkan
            – biaya Lender
            – biaya premi asuransi
            – biaya desk collection (sebutan debt collector versi fintech)
            – biaya marketing
            – biaya gaji karyawan
            – biaya operasional (listrik,dst)
            – biaya regulasi, pajak
            – biaya lainnya

          • Noted pak. Saya memang pernah dapat info bahwa NPL 10persen atau bahkan sd 20 persen itu “ga berasa” untuk p2p lending karena tertutup oleh keuntungan bunga mereka yang cukup tinggi. Perhitungan pak Adi memberikan gambaran yang lebih jelas terutama untuk p2p konsumtif seperti uangme.

            Benar pak namun tidak ada klarifikasi sampai sekarang meskipun saya kejar terus. Saya curiga kerjasamanya belum rampung

  1. Besok per tg 22 Okt 19 Asetku akan turun lagi bunganya.. UangMe bakal makin naik daun
    Pake kode 7627 ya utk UangMe referal
    Maaf spam. . ?

    • Saya rasa tidak tepat bilang masa senja. Mungkin mereka memang sedang adaptasi model bisnis dan memenuhi regulasi. Uangme juga turun terus kok bunganya. Btw, terimakasih sudah turut mempromosikan kode referral saya.

      • oke , sebab kalau (beneran) kita dapat 1% dari nilai pendanaan dgn syarat 1 teman ini kan tinggi

        hitungannya 1% langsung didapat dalam waktu 1 hari
        (ekuivalen 365% per tahun)

        • https://ibb.co/52n5rPQ setelah dibaca2 lagi
          Poin nomor 8 ini paling membingungkan

          – soalnya kan pendanaan 7 hari sudah tidak ada bila kita sudah lender lama, trus bgmn cara makai kuponnya ?

          – mislakan kupon dipakai, setelah itu kita terima pokok+bunga atau bunga saja ?

    • Kalau kita melakukan pendanaan senilai X, maka ada potensi bonus kupon senilai 5% dari X. Bonus kupon bisa diambil dengan syarat mengundang beberapa teman dengan menge share link dan link nya dibuka dan di klik tombol bantu teman oleh teman yang diundang. Kupon yang didapat tergantung jumlah teman yang diundang. Maximum senilai 5% dari X.

      • Kupon hanya untuk pendanaan saja, dengan minimal pendanaan senilai X. Bunga dari kupon yang bisa diambil, Kupon nya tidak bisa dicairkan.

        • Terima kasih tanggapannya pak Muslim
          langsung ke contoh kasus saja ya pak

          (1)
          Kalau kita melakukan pendanaan senilai 100 juta,
          maka ada potensi maximum bonus kupon senilai 5% dari 100 juta = 5 juta

          (2)
          Kupon hanya untuk pendanaan saja,
          Bunga dari kupon 5 juta yang bisa diambil, Kupon nya 5 juta tidak bisa dicairkan.
          kupon dimasukkan ke yang pendanaan 1 bulan = 1.75% x 5 juta = 87.500

          bearti dari pendanaan 100 juta
          potensi bonus maksimumnya adalah 0.1% dari pendanaan (87.500 / 100.000.000)

          ternyata cuma 0.1% saja
          sangat kecil sekali

          • Betul Pak Adi
            Kecil sekali memang. Untuk memaximalkan bunga kupon sekali pakai, dimasukkan ke pendanaan 4 bulan.

            Kupon 5 juta itu maximumnya. Kupon Yang didapat, bisa dibawah 5jt, atau tidak dapat sama sekali, kalau teman yang diundang tidak membuka linknya dan tidak mengeklik tombol bantu teman.

            Salam

          • trims infonya ya pak Muslim. Kalau gitu sebenarnya mirip dengan Asetku referral, saya sering dapat kupon bunga tambahan 1 persen yang bilamana modal saya hanya 10 juta berarti hanya dapat tambahan 4rb sd 8rb

          • iya pak asiaril. memang referal asetku ekuivalen 1% per tahun

            kalau dimasukkan ke pendanaan 1 bulan,
            otomatis tinggal 0.08% per bulan

            dimana angka 0.08% per bulan ini
            sudah mirip dengan milik uangme potensi maksimum 5 referal

            kesimpulannya
            ———————
            bonus asetku cukup 1 referal sudah setara di uangme 5 referal

          • Namun perlu dipertimbangkan juga pak di uangme ada dua skema referral. Untuk yang referral standar menurut saya lumayan, orang daftar langsung dapat 5rb dan kita dapat bonus progressive up to 1 juta per orang

          • Untuk program referal,

            Uangme : Jika yang diundang berhasil mendaftar dan melakukan pendanaan, maka kita dapat 0,5% dari nilai pendanaan pertama dari pengguna baru yang diundang. Jadi bonus kita tergantung nilai pendanaan pertama yang diundang. Biasanya pendanaan pertama, sangat kecil : misalnya 1jt, maka bonus yang kita terima hanya 5 ribu rupiah.

            Asetku : Jika yang diundang mendaftar dan melakukan pendanaan pertama, maka kita dapat kupon bunga 1%. Kupon bunga bisa kita gunakan untuk menambah bunga pendanaan kita ( misalnya 21% menjadi 22%). Nilai rupiah bonus yang akan kita terima tergantung besaran nilai pendanaan kita ( seperti yang pernah ditulis pak Adrian di Review asetku )

          • Ngga pak Muslim. Di uangme kalau daftar saja otomatis langsung dapat 5rb. Jadi total yang bisa anda dapatkan dari seorang teman bergabung itu 1.005.000

          • Kalau dimasukkan ke 1 bulan maka dapat bonus 0.1% saja
            bearti
            Kalau dimasukkan ke 4 bulan maka dapat bonus 0.4% saja

            sebetulnya bonus ini ekuivalen 1.2% per tahun sudah lumayan

            cuma ya tetap 1.2% ini masih sangat kecil
            kalau dibandingkan bunganya sendiri yg berkisar 20-23%

  2. Tergantung kita mau pilih yang mana, mau yang auto cair atau mau pilih yang diinvestasikan kembali pokoknya atau mau pilih yang diinvestasikan kembali pokok dan bunganya

  3. Saya dapet informasi tambahan dari RM uangme bahwa kalau penarikan di Uangme kemungkinan akan dibagi per 25jt kalau kita sekali pendanaan di jumlahan 25jt-100jt. Ini karena ada batasan jumlah transfer dari payment gatewaynya. Jadi jangan kaget kalau seharusnya ada pengembalian dana 50jt tapi diterimanya 2x25jt. Trus menurut info dia juga, kalau di atas 100jt ini lebih ribet lagi karena proses transfernya bisa di atas 1 hari. Jadi saran dari dia kalau mau order pendanaan jangan sekali langsung besar, dibagi-bagi aja di bawah 25 jt.

    • Masuk akal pak. Rek bca saya juga max 25jt sekali transfer. Untuk metode transfer online max 100jt jadi untuk pengembalian 100jt pasti mereka harus pakai kliring atau llg yang memang memakan max 1 hari kerja

  4. Pernah baca ga di asetku ada user yang tiba2 kaget dananya 100jt kok ditransfernya per 50jt dan beda lagi waktunya. Dia sangat ketakutan dan merasa asetku bermasalah. Memang sih keterlambatan pembayaran bisa jadi sinyal ketidak beresan tapi apa pernah kepikir kalau mungkin pemecahan itu karena limit dari payment gateway? Trus dia mempertanyakan juga wah kalo pendanaannya 1M gimana kembaliinnya sampai berapa kali transfer itu? Kalo dipikir iya juga ya kalo yg investor kelas paus gimana ya pendanaan sampai M M an

    • untuk asetku,
      info terakhir yg saya terima
      asetku memakai payment gateway Xendit https://www.xendit.co/id/

      dimana xendit ini sudah “terdaftar di BI” namun belum berizin BI
      cuma posisi terakhir hari ini bagaimana ? saya belum mengikuti

    • Saya ada pengalaman baru2 ini ada pendanaan saya yg 10jt dan 50jtan, yg 10jtan cair di H+1 jam 1 pagi, tp yg 50 jtan cairnya H+1 jam 7 pagi, sempet panik juga sih. Kalo Uangme sy selalu cair H+0 bukan besoknya, tapi sy blom masuk yg nominal diatas 50 jt di Uangme

      • Berarti sudah sesuai dengan systemnya.

        Di Asetku : H+0 adalah periode untuk menentukan pilihan perpanjang atau atau tidak. Kalau tidak diperpanjang, maka pencairannya : H+1
        Produk pinjaman 30 hari : kalau dihitung dari tanggal pendanaan sampai tgl jatuh tempo = 31 hari.
        Riil Periode pencairan = 32 hari dari tanggal pendanaan

        Di Uangme : Perpanjang atau cair, bisa dipilih kapan saja sebelum H+0
        Maka Pencairannya di H+0
        Produk pinjaman 30 hari : kalau dihitung dari tanggal pendanaan sampai tgl jatuh tempo = 31 hari.
        Riil Periode pencairan = 31 hari dari tanggal pendanaan.

    • Respon dari RM Asetku sbb :
      Mungkin mereka pakai bank dan jenis tabungan yang memiliki limit ketika withdraw. Jadi dana akan di transfer sesuai limit maximal dari bank/tabungan lenders.
      Berikut daftar/infonya :

      BCA, Mandiri, BNI/BNI Syariah, BRI, Sinarmas, CIMB, Permata ; No limit

      Other banks : Max 50jt

      BII Maybank, Danamon, Panin, KEB Hana ; 25 mio

      Respon dari RM Uangme juga sama : tergantung limit tabungan/bank yang dipakai lenders

  5. Pak saya ingin bertanya apakah di uangme hanya tersedia 1 opsi transfer dana hanya melalui vitual acc bank permata saja tidak ada bank lainnya?

  6. Tanya pak, kalau saya mau invest di uangme, apakah bisa transfer dana ke VirtualAccount bank bca atau cimb niaga? Atau hanya ke VA bank bni? Krn saya lihat di website mrk ada logo bank bca dan cimb niaga (jg beberapa bank lain). Terima kasih.

      • Oh berarti mrk enga punya VA bank bca dan cimb niaga. Kalau saya join uangme berarti akan kena biaya transfer (krn saya bukan pengguna bank bni).

        Buat apa ya mereka pasang logo bank bca, cimb niaga dan mandiri di website mereka kalau tidak punya VA bank tersebut.

        Kalau di asetku kan banyak tuh pilihan bank untuk VAnya jd bisa bebeas biaya transfer.

        Terima kasih.

  7. Terima kasih atas reviewnya
    Saya bermaksud mendaftar uangme sbg Lender ,tapi krn terburu2 saya justru mendaftar di aplikasi uangme yang untuk borrower…
    Saya sudah mengajukan permintaan penghapusan akun / data di aplikasi tersebut dan mendapat balasan utk mengisi nama, no ktp, no hp, dan alasan penghapusan data /akun.
    Note : saya blm pnh pinjam / terdaftar sbg borrower di manapun.
    Tak berapa lama saya mendapat balasan bahwa akun yang sudah terverifikasi tak bisa di hapus.
    Lalu apa gunanya saya di suruh mengisi formulir penghapusan data / akun ?

  8. Iya mas asiaril , soalnya ketika saya search nama platformnya yg muncul paling atas adalah app borrowernya , lagi pula saya terfokus pada tulisan TKB90 jadi saya yakin ini yg buat lender he he…jadi skrg akun saya ada 2 ,sbg lender & akun borrower…dgn data yg sama , mudah2an yg borrower segera di hapus / non aktifkan. Krn smp waktu ini saya login masih bisa masuk.

    • P2P lending yang mengenakan pajak setau saya cuma Investree dan Avantee. Untuk p2p lending lain termasuk Uangme itu penghasilan bunga nya belum dipotong pajak, jadi harus dilaporkan di SPT tahunan sebagai pendapatan lain2 dan dikenakan pajak progresif. semoga membantu mbak Nidy

  9. Saya kurang tertarik kalau cm bisa di aplikasi dan nggak ada pilihan transaksi di web, krn hp sy bisa penuh kalau kebanyakan apps. Moga2 komen sy ini dibaca uangme atau akulaku dll. Atau ada yg berkenan menyampaikan ke mereka? Atau abang adrian bisa buat tulisan sendiri ttg fintech yg cuma bisa di apps atau website?

    • Sebenarnya dalam setiap ulasan saya sudah menuliskan tentang akses p2p lending tersebut apakah bisa dari web, apps, atau keduanya. Sejauh ini yang hanya bisa dari apps memang hanya asetku, easycash, uangme, dan kebanyakan p2p konsumtif lainnya. Sedangkan untuk p2p lending produktif hampir semuanya bisa diakses dari website. Semoga membantu

  10. sebaiknya diulas pada bab sendiri apakah aplikasi itu berupa crowdfunding atau satu per satu lendingnya… soalnya ada potensi uang kita mandeg bbrp hari kalau harus nunggu crowdfunding terkumpul… Atau maukah Bapak bikin artkel sendiri mana yang p2p crwdfunding dan mana yg p2p lending satu per satu?

  11. Hari ini 24-04-2020 saya dapat email dari Uangme tentang jaminan. Uangme mengatakan jaminan yang diberi cuma 80% dari pokok. Yang menjamin 80% dari pokok adalah asuransi Simas Insurtech.

    Yang 20% pokok dan bunga tidak dijamin.

    Saya belum menghubungi Simas Insurtech tentang plafon asuransinya.

    Kalau Asetku dijamin oleh STACO mandiri yang menyisihkan dana liquid 10M untuk menjamin 100% dari Pokok. 10M itu kecil. Di website Asetku per 24-04-2020 menginformasikan outstanding loans 868M. Dengan 10M STACO mandiri cuma bisa menjamin 1,15% gagal bayar dari total outstanding loans. Kalau Asetku melebihi 1,15% paling yang kena pendana dengan tidak akan terima 100% dari pokok yang dijamin.

  12. Ya wajar kl dana lender di cover 100%
    Soalnya mereka memberi bunga 0.79% per hari = 16,59% selama 21hari sedangkan lender dapetnya 19% p.a untuk 21hari.

  13. assalamualaiku,

    Dapatkan pinjaman segera anda pada kadar rendah 2.5% dengan KONSULTAN PINJAMAN NORTION, MUDAH, CEPAT dan SELAMAT

    MAKLUMAT PERHUBUNGAN

    E-mel: nortionloanconsultant@gmail.com

    TELEFON: +17815611941 (SAHAJA TEKS)

    INSTAGRAM: Nort Loan

    TWITTER: @LoanNortion

    LINKEDIN: Perunding pinjaman pengguguran

    Hubungi kami sekarang untuk mendapatkan pinjaman dengan KEPENTINGAN TERBAIK anda..

  14. Pak Asiaril boleh tny apakah pernah fitur expected yesterday economic benefit tidak update di sabtu-minggu? Ini sudah syaa tanyakan ke CS blm dijwb juga

  15. halo, kak kemarin tgl 15 Januari 2022 pendanaan saya ada yang harusnya jatuh tempo. Saya memilih untuk mencairkan bunganya saja. namun sampai skrg, hari senin 17 Januari 2022, bunganya belum cair juga. Apakah dari antara teman-teman ada yang mengalami hal yang sama? saya sudah coba menghubungi CS Uangme namun belum juga diresponse.

  16. Kami dari PT Fintegra Homido Indonesia merupakan Perusahaan yang bergerak di bidang platform Layanan pendanaan Bersama Berbasis Teknologi Informasi yang mempertemukan peminjam (pelaku usaha UMKM) dengan pemberi pinjaman (Perorangan maupun Badan Usaha). FINTAG pun merupakan salah satu penyelenggara P2P lending yang kini telah melakukan adaptasi teknologi digital secara proper dengan memiliki beberapa fitur antara lain :
    o E-KYC (Fitur untuk memvalidasi setiap pengguna dengan tepat)
    o Credit Scoring (Fitur untuk mengukur tingkat resiko kredit yang melekat)
    o Ringkasan Digital (Fitur informasi usaha yang dapat menjadi pertimbangan saat memberikan kredit)
    o TTD digital (Fitur keabsahaan tanda tangan setiap pengguna)
    o E-Contract (Fitur kepastian hukum dalam memberikan dan melakukan pinjaman kredit)
    o Proteksi Asuransi Kredit Bagi Pemberi Pinjaman

    Melalui Email ini, Kami bermaksud untuk menawarkan proposal Kerjasama kepada Bapak/Ibu sebagai Lender dan juga beberapa Kerjasama lain nya. Adapun proposal Kerjasama dan Penawaran kami lampirkan di dalam ini sebagai bahan pertimbangan. Bapak/Ibu juga dapat mengakses Website kita di https://fintag.id/. Hubungi Kami jika ada pertanyaan lebih lanjut.

    Atas Perhatian dan Kerjasama nya Saya ucapkan Terima Kasih,

    Regards,

    Dea
    0896-1090-2062 (WA)
    0857-1056-6165 (Tlp)

    PT Fintegra Homido Indonesia
    Gd. Tifa Arum Realty Lt. 7. Jakarta Selatan
    (021) 270-85000

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