Review Komunal 2021 – P2P Lending yang Menjangkau

Review ini pertama dibuat pada tanggal 18 Februari 2020 dan terakhir diperbaharui pada 7 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 mendaftar, gunakan kode referral saya: 1CE8460 dan tuliskan ADRIAN SIARIL di kolom “catatan” yang ada di halaman pendaftaran.

Portofolio Saya di Komunal

Total disbursement: 273.458.462 rupiah

Total return: 5.088.123 rupiah

Total dana bermasalah: 0 rupiah

Latar Belakang Perusahaan Komunal

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

Anda mungkin tertarik membaca wawancara dengan CEO Komunal untuk mengenal Komunal lebih jauh.

Saya kenal Komunal dari komunitas Lender P2P di Telegram, dimana seorang staf komunal meminta saya menulis review tentang Komunal. Karena saya menjunjung tinggi asas transparansi, saya menginformasikan anda bahwa Komunal memberikan saya modal 1 juta rupiah untuk mencoba pendanaan, namun review ini tetap akan ditulis seobjektif mungkin. Silakan meninggalkan komentar bila anda merasa ‘sumbangan’ tersebut mempengaruhi objektifitas saya.

Untuk tahu siapa saja orang-orang dibelakang Komunal anda bisa melihat website mereka yang memajang tampang-tampang segar anak muda. Kebanyakan manajemen mereka diiklankan sebagai orang yang memiliki latar belakang di bidang keuangan/perbankan. Semoga saja hal ini berkontribusi positif terhadap kemampuan manajemen risiko kredit dan analisa keuangan ketika menyeleksi lender, sebab banyak P2P lending lain yang seringkali tidak beres dalam menilai borrower karena memang staf nya tidak berpengalaman di bidang analisa risiko.

Pada Desember 2019 Komunal sudah mendapatkan pendanaan dari East Ventures dan Skystar Capital. Keduanya merupakan investor besar yang memang suka nyicip-nyicip startup Indonesia, meskipun menurut data Pitchbook.com keduanya hanya memiliki saham minoritas di Komunal. Sebelum meraih pendanaan ini Komunal hanya bergantung dari ayahnya pemimpin komunal. Saya tidak bisa menemukan banyak latar belakang para Angel Investor ini selain data bahwa beliau aktif di organisasi masyarakat.

Komunal beroperasi di luar Jabodetabek. Meskipun ini berarti kantor Komunal ‘sulit dijangkau’ bila lender mau survei langsung, nyatanya OJK sangat mendukung P2P lending yang beroperasi di luar Jabodetabek karena dinilai lebih bisa menjangkau perusahaan-perusahaan di luar daerah Jabodetabek.

Produk Pendanaan Komunal

Kuantitas Pinjaman Komunal

Komunal menginformasikan saya bahwa mereka merilis pinjaman setiap Kamis pagi, jadi bagi investor yang mau memiliki pilihan sebanyak-banyaknya mungkin bisa standby di waktu tersebut. Saya mencoba pendanaan Komunal di hari Selasa pagi, berarti sekitar 5 hari setelah batch pendanaan sebelumnya muncul, dan saat itu tersedia 3 pinjaman dengan grade dan klasifikasi yang berbeda-beda semua (pembahasan variasi pinjaman di bagian selanjutnya)

Jadi menurut saya nominalnya cukup ideal, ‘asal ada’, dan tidak terlalu banyak sampai memusingkan investor baru. Plafon yang ditawarkan juga cukup tinggi yaitu sampai dengan ratusan juta rupiah, sehingga harusnya tidak terlalu cepat kehabisan.

Variasi Pinjaman Komunal

Ada satu hal yang unik di komunal. Sebagai P2P lending produktif non-UMKM saya menduga Komunal akan mengikuti jejak pendahulu-pendahulunya untuk fokus ke pendanaan invoice financing yang memang sudah menjadi jodoh alami P2P lending.

Namun Komunal ternyata juga memiliki pendanaan working capital (modal kerja) serta inventory financing (modal pengadaan barang). Secara analisa kualitatif, kedua jenis tersebut memiliki risiko sedikit lebih tinggi dan tenor yang lebih panjang. Bahkan, Crowdo yang dulu menyediakan pendanaan working capital malah mundur sekarang beralih ke invoice financing saja.

Mungkin anda bertanya kenapa working capital dan inventory financing lebih berisiko? Karena dalam kasus invoice financing ada tagihan ke pihak ketiga yang dijadikan sebagai “jaminan piutang” yang nilainya sudah jelas, sedangkan inventory financing dan working capital tidak ada jaminan bahwa pengerjaan/barang tersebut akan dibayar dengan nilai tertentu. Invoice financing juga sebenarnya punya risiko macet kalau pihak ketiganya bermasalah, namun analisa risikonya lebih mudah karena tinggal melihat siapa pihak payor atau pembayarnya.

Namun sisi positifnya, lender-lender aneh yang suka pendanaan jangka panjang menjadi punya pilihan untuk diversifikasi dana mereka, meskipun saya sebagai investor pemula tidak tahu apakah memungkinkan melakukan diversifikasi ke working capital dan inventory financing? Karena tujuan diversifikasi itu menurunkan risiko, bukan menambahkannya. Kita juga perlu ingat working capital dan inventory financing memiliki bunga yang lebih tinggi daripada invoice financing, sehingga investor yang suka high risk tentu tertarik dengan opsi ini.

Likuiditas Komunal

Dari segi tenor pinjaman berkisar antara 2 sampai 8 bulan, jadi likuiditas disini tergantung pinjaman yang anda pilih. Dari segi penggalangan dana tergolong cepat, pantauan saya suatu pinjaman bernilai ratusan juta bisa penuh dalam hitungan satu sampai 3 hari. Saya belum mengetes kecepatan disburse (pencairan dana) ke peminjam karena pinjaman yang saya coba saat ini masih dalam proses penggalangan dana.

Intinya, likuiditas tidak buruk, sejajar dengan P2P lending produktif lainnya. Tentu tidak bisa dibandingkan dengan P2P lending konsumtif seperti Asetku karena memiliki model bisnis berbeda.

Ada satu hal yang menarik di Komunal, yaitu tidak adanya ‘wallet‘ atau saldo mengambang. Ketika anda mendanai anda langsung transfer untuk pendanaan tersebut, dan ketika pendanaan anda jatuh tempo, uang anda juga langsung dikembalikan ke rekening yang tentunya membuat likuiditas sedikit lebih cepat.

Komunal juga menyatakan di halaman FAQ mereka bahwa mereka memiliki fasilitas pasar sekunder dimana anda bisa mengalihkan pendanaan anda kepada pendana lain. Ini adalah satu-satunya P2P lending yang saya tahu memiliki fitur sejenis ini (biasa fitur ini umumnya ada di equity crowdfunding). Ketika saya berhasil mencoba fitur ini akan saya ceritakan disini.

Jumlah Minimal Investasi Komunal

Jumlah minimal investasi di Komunal adalah 200 ribu rupiah. Meskipun ini kelihatan receh untuk beberapa investor, tersebut sebenarnya berada di sisi ‘tinggi’, mengingat alternatif P2P lending dan investasi lainnya menerima modal minimal Rp100 ribu dan bahkan puluhan ribu rupiah.

Tidak jadi masalah, mungkin memang mempersulit diversifikasi bagi lender dengan dana terbatas, namun sisi positifnya adalah pinjaman makin cepat terdanai, sehingga meningkatkan likuiditas. Ingat, meskipun sudah mendanai, uang anda tidak akan berkembang sampai suatu pendanaan terdanai penuh dan uangnya diserahkan ke peminjam.

Perlu anda ingat, saat ini Komunal belum punya rekening dana lender sehingga pengembalian pendanaan anda ditransfer langsung ke rekening anda. Apabila rekening anda bukan CIMB Niaga, maka secara otomatis dipotong 3500. Jadi bila anda investasi receh hanya 200rb per pendanaan, mungkin retur anda akan tergerus habis oleh potongan ini. Mitigasikan dengan cara meningkatkan modal pendanaan anda atau tidak terlalu banyak menyebarkan dana ke banyak pinjaman.

Dampak Sosial Komunal

Sama seperti P2P lending produktif non-UMKM lainnya, dampak sosial Komunal biasa saja. Tidak keren-keren amat, tidak buruk-buruk amat. Ada bonus poin karena mereka beroperasi di Surabaya (luar Jabodetabek). Menurut OJK kebanyakan P2P lending hanya fokus di Jabodetabek sehingga daerah lainnya terlalaikan.

Legalitas Komunal

Ya, terdaftar dan diawasi oleh OJK (Otoritas Jasa Keuangan). Selain itu Komunal juga telah tergabung bersama AFPI yang berarti Komunal pasti sudah dalam proses untuk bisa mencapai tahap perizinan OJK.

Apakah Komunal penipu?

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

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

Jadi, jelas Komunal bukan penipu ataupun investasi bodong

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

RM dan Customer Service Komunal

Ada live chat di website mereka, ketika saya coba bertanya disana mendapatkan jawaban dalam waktu sekitar 5 menit. Jawabannya singkat padat jelas dan menjawab pertanyaan. Saya yakin tidak sedang berbicara dengan robot.

Saya lebih puas dengan layanan RM (Relationship Manager) mereka yang bisa dengan mudah dihubungi via Telegram (beliau juga yang mengundang saya mengulas Komunal ini). Mereka juga sudah aktif di grup Whatsapp sehingga sangat mudah untuk menjalin komuniaksi dengan mereka.

Persentase Non Performing Loan (NPL) Komunal

Karena P2P lending sekarang semuanya sudah memajang angka ini di website maka saya sedang mempertimbangkan menghapus bagian ini dari ulasan saya. Per 18 Februari 2020 Komunal menunjukkan TKB90 sebesar 99.73% yang berarti baik sekali.

Namun ingat, saya pribadi tidak mempercayai TKB90. Bukan berarti Komunal yang tidak jujur, namun TKB90 merupakan indikator yang sangat ambigu. Saya tentu berharap Komunal merupakan golongan P2P lending yang tidak mendandani angka TKB90 ini.

Berita baiknya adalah, Komunal menginformasikan saya bahwa mereka sudah mendapatkan sertifikasi FDC (Fintech Data Center), yakni sebuah inisiatif OJK untuk meningkatkan transparansi P2P lending. Dengan adanya FDC ini maka TKB90 bisa divalidasi dengan data. Mantap!

Perlindungan Modal Investor Komunal

Komunal menyatakan tidak lagi memberlakukan dana proteksi sejak sudah bekerjasama dengan asuransi Simas Insurtech.

Sedangkan untuk perlindungan asuransi bersifat opsional dimana anda bisa membayar ekstra saat melakukan pendanaan untuk melindungi modal anda sampai dengan 80%. Perlu dicatat bahwa asuransi hanya akan cair apabila upaya recovery gagal selama 90 hari (aturan OJK).

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

Komunal Syariah atau Tidak?

Tidak.

Promosi dan Program Referral Komunal

Program referral Komunal akhirnya telah hadir dimana kita bisa mendapatkan kupon tunai 200rb dari setiap teman yang diundang. Sedangkan pihak yang diundang mendapatkan kupon tunai 100rb. Kupon tunai ini bisa digunakan untuk memotong pendanaan, namun ketika pendanaan sudah jatuh tempo maka nilai kupon akan dikembalikan ke kita sebagai uang tunai. Mantap! Potongan 200rb berlaku untuk minimum pendanaan 2 juta, sedangkan potongan 100rb berlaku untuk minimum pendanaan 300rb.

Sayangnya, ada batasan terhadap pihak pengundang, yakni hanya bisa mendapatkan kupon 1x setiap bulannya, dan maksimal mendapatkan 3x secara total. Jadi untuk memaksimalkan program referral ini kita harus mengundang hanya 1 orang setiap bulannya selama 3 bulan. Saya harap ketentuan ini bisa diubah karena cukup merugikan pihak pengundang.

Untuk promo, Komunal sering sekali memberikan potongan hard cash saat melakukan pendanaan. Nominalnya memang tidak besar, namun perlu dicatat bahwa potongan yang diberikan ini berbentuk uang tunai yang bisa diterima seutuhnya ketika pendanaan sudah jatuh tempo, berbeda dengan p2p lending lain dimana potongannya bersifat ‘uang semu’.

Catatan Lain

Komunal mengenakan biaya komisi 2% per tahun yang dihitung prorata dari tenor pinjaman anda. Biaya ini diperhitungkan langsung ketika anda akan mendanai pinjaman sehingga anda bisa melihat sendiri berapa return yang akan anda terima secara bersih. P2P lending umumnya memiliki dua model penghasilan yaitu melalui komisi flat rate seperti Komunal ini atau ‘spread’ (perbedaan selisih) antara bunga peminjam dan pendana.

Kesimpulan

Kelebihan

  • Masih menawarkan working capital, inventory financing, dan project financing. Merupakan suatu kelangkaan di P2P lending lainnya, hal ini mempermudah diversifikasi.
  • Desain antarmuka yang sangat mudah digunakan dan menyenangkan.
  • Ada fitur pasar sekunder yang membantu likuiditas, meskipun patut dipertanyakan apakah ada yang akan menggunakannya?
  • Menuruti anjuran OJK untuk beroperasi diluar Jabodetabek, sehingga potensi growth nya lebih tinggi karena ‘menghindari persaingan.

Kekurangan

  • Asuransi bersifat opsional dan anda harus membayar ekstra untuk hal tersebut.
  • Fact sheet yang disajikan tergolong kualitas standar ala kadarnya.
  • Minimal investasi tergolong cukup besar.

Komunal adalah pendatang baru yang membuat pilihan P2P lending produktif non-UMKM semakin banyak. Saat ini saya belum menemukan hal yang bisa membuat Komunal ”stand out” atau menjadi berbeda sendiri, selain daripada lokasinya yang bertempat di luar Jabodetabek. Kendati demikian Komunal juga belum punya kekurangan signifikan yang bisa saya kata-katain.

Siapa yang Cocok Berinvestasi di Komunal?

  • Investor yang tinggal di Surabaya dan sekitarnya, ayo dukung UMKM dan fintech lokal!
  • Investor yang baru mau coba P2P lending produktif. Memang banyak yang lebih senior daripada Komunal, tapi rata-rata sudah sulit kebagian pinjaman,
  • Investor aneh yang suka tenor panjang dan diversifikasi melalui risiko tinggi,

Bagaimana dengan Saya?

Kesan pertama saya dengan Komunal cukup baik, namun saat ini saya belum yakin apakah akan memindahkan dana dari P2P lending lain ke Komunal, mengingat portfolio P2P lending saya saat ini cukup memuaskan sehingga sulit pindah hati. Apabila anda baru mulai di dunia p2p lending, Komunal mungkin sangat menarik untuk anda karena masih menjalin hubungan baik dengan seluruh lender mereka (p2p lending yang sudah mapan cenderung lalai dalam hal ini karena sudah kebanyakan lender.

Bandingkan website P2P lending lain?

Apabila tertarik mendaftar, gunakan kode referral saya: 1CE8460 dan tuliskan ADRIAN SIARIL di kolom “catatan” yang ada di halaman pendaftaran.

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

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

414 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.

  1. Nanya pak: Komunal ini p2p lending yang membiayai peminjam dengan sistem patungan seperti modal rakyat dan asetku, ya? Bukan membiayai 1 per 1 seperti contohnya Danain?

  2. trims pak. ada plus dan minusnya sih pak, patungan atau 1 per satu lending. Ada artikel ttg yg mana keroyokan dan mana yg 1 per satu lending pak?

      • trims. khusus utk asetku yg saya dengar dia sistemnya keroyokan juga? Yg saya tahu, dana kita disalurkan ke 30 peminjam di Asetku, tapi memang sistem Asetku ini unik, jadi bisa instan, tdk spt p2p yang sistemnya keroyokan spt yg lain. Mungkin saya salah mengerti, bisa dikasih pencerahannya pak?

        • Pemahaman bapak sudah benar. Pada esensinya asetku menyebarkan uang bapak ke berbagai peminjam tergantung modal yang bapak setorkan. Misalnya bapak setorkan 10jt maka akan dicarikan beberapa peminjam yang kalau ditotalkan pinjamannya 10jt juga. Skrg asetku butuh proses 1 hari untuk pencocokan tersebut

  3. Have you ever thought about creating an e-book or guest authoring on other blogs? I have a blog centered on the same information you discuss and would really like to have you share some stories/information. I know my readers would appreciate your work. If you are even remotely interested, feel free to send me an e-mail.|

  4. This is very interesting, You are a very skilled blogger. I have joined your rss feed and look forward to seeking more of your wonderful post. Also, I have shared your website in my social networks!|

  5. Hello, Neat post. There is an issue with your web site in internet explorer, may test this? IE still is the marketplace leader and a huge portion of folks will omit your fantastic writing due to this problem.|

  6. Hey just wanted to give you a quick heads up and let you know a few of the images aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same results.|

  7. Oh my goodness! Impressive article dude! Thank you so much, However I am going through issues with your RSS. I don’t understand the reason why I am unable to join it. Is there anyone else having identical RSS problems? Anybody who knows the solution will you kindly respond? Thanx!!|

  8. 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.

  9. 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.

  10. This web site is really a walk-through for all of the info you wanted about this and didn’t know who to ask. Glimpse here, and you’ll definitely discover it.

  11. whoah this weblog is magnificent i like reading your posts. Stay up the good work! You know, lots of persons are searching round for this info, you can help them greatly. |

  12. Very good blog you have here but I was curious if you knew of any community forums that cover the same topics discussed in this article? I’d really like to be a part of online community where I can get advice from other knowledgeable people that share the same interest. If you have any recommendations, please let me know. Many thanks!|

  13. 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.

  14. Hi there! I could have sworn I’ve been to this blog before but after browsing through some of the post I realized it’s new to me. Nonetheless, I’m definitely glad I found it and I’ll be bookmarking and checking back often!

  15. 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/

  16. 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/

  17. 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/

  18. 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/

  19. 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/

  20. 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/

  21. Excellent blog here! Also your web site loads up very fast! What web host are you using? Can I get your affiliate link to your host? I wish my website loaded up as quickly as yours lol|

  22. Please let me know if you’re looking for a article writer for your weblog. You have some really great articles and I think I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some articles for your blog in exchange for a link back to mine. Please blast me an email if interested. Cheers!|

  23. Today, while I was at work, my sister stole my iphone and tested to see if it can survive a 25 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is entirely off topic but I had to share it with someone!|

  24. Thoroughly enjoyed your article! The insights are valuable, and I’m curious if you plan to add more images in your upcoming pieces. It could make the content even more captivating for readers.

  25. Fantastic goods from you, man. I’ve understand your stuff previous to and you are just too magnificent. I actually like what you’ve acquired here, certainly like what you’re saying and the way in which you say it. You make it entertaining and you still take care of to keep it wise. I cant wait to read far more from you. This is actually a great site.|

  26. 🚀 Wow, blog ini seperti petualangan fantastis meluncur ke galaksi dari kemungkinan tak terbatas! 🎢 Konten yang menegangkan di sini adalah perjalanan rollercoaster yang mendebarkan bagi pikiran, memicu ketertarikan setiap saat. 🌟 Baik itu teknologi, blog ini adalah harta karun wawasan yang menarik! #KemungkinanTanpaBatas 🚀 ke dalam petualangan mendebarkan ini dari pengetahuan dan biarkan imajinasi Anda melayang! ✨ Jangan hanya mengeksplorasi, alami kegembiraan ini! #MelampauiBiasa Pikiran Anda akan berterima kasih untuk perjalanan mendebarkan ini melalui ranah keajaiban yang penuh penemuan! 🚀

  27. What’s Taking place i’m new to this, I stumbled upon this I have discovered It absolutely helpful and it has helped me out loads. I hope to contribute & aid other customers like its aided me. Good job.

  28. Hello, i read your blog occasionally and i own a similar one and i was just wondering if you get a lot of spam feedback? If so how do you reduce it, any plugin or anything you can advise? I get so much lately it’s driving me mad so any support is very much appreciated.|

  29. 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/

  30. After looking over a handful of the blog posts on your web page, I really appreciate your technique of writing a blog. I saved as a favorite it to my bookmark webpage list and will be checking back soon. Please visit my website too and tell me how you feel.|

  31. I engaged on this gambling website and managed a substantial amount, but after some time, my mother fell sick, and I needed to take out some funds from my balance. Unfortunately, I experienced difficulties and couldn’t withdraw the funds. Tragically, my mom died due to the online casino. I implore for your support in bringing attention to this site. Please support me in seeking justice, so that others won’t have to experience the hardship I am going through today, and prevent them from crying tears like mine. 😭😭😭😭

  32. I engaged on this gambling website and won a significant sum of money, but after some time, my mother fell sick, and I needed to take out some earnings from my account. Unfortunately, I experienced difficulties and was unable to withdraw the funds. Tragically, my mother passed away due to such online casino. I implore for your support in bringing attention to this website. Please help me in seeking justice, so that others won’t have to face the pain I am going through today, and prevent them from shedding tears like mine. 😭😭😭�

  33. I played on this casino platform and succeeded a substantial amount, but after some time, my mom fell sick, and I needed to withdraw some funds from my casino account. Unfortunately, I faced problems and could not finalize the cashout. Tragically, my mother passed away due to the online casino. I implore for your support in bringing attention to this website. Please support me in seeking justice, so that others won’t have to experience the hardship I am going through today, and prevent them from crying tears like mine. 😭😭😭�

  34. Yesterday, while I was at work, my cousin stole my iphone and tested to see if it can survive a 30 foot drop, just so she can be a youtube sensation. My iPad is now destroyed and she has 83 views. I know this is entirely off topic but I had to share it with someone!|

  35. I was wondering if you ever considered changing the layout of your website? Its very well written; I love what youve got to say. But maybe you could a little more in the way of content so people could connect with it better. Youve got an awful lot of text for only having one or two images. Maybe you could space it out better?|

  36. I think that what you said was actually very logical. However, what about this? what if you were to create a awesome headline? I mean, I don’t wish to tell you how to run your website, however suppose you added something that grabbed a person’s attention? I mean BLOG_TITLE is a little boring. You should peek at Yahoo’s home page and note how they create news headlines to get viewers to click. You might try adding a video or a related picture or two to grab people interested about what you’ve written. Just my opinion, it would make your website a little livelier.|

  37. Very nice post. I just stumbled upon your weblog and wished to say that I’ve really enjoyed browsing your blog posts. After all I will be subscribing to your rss feed and I hope you write again very soon!|

  38. I participated on this gambling website and won a significant cash, but eventually, my mother fell ill, and I wanted to withdraw some money from my casino account. Unfortunately, I faced issues and could not finalize the cashout. Tragically, my mother died due to this gambling platform. I plead for your assistance in bringing attention to this website. Please support me in seeking justice, so that others do not face the suffering I am going through today, and prevent them from shedding tears like mine. 😭😭😭�

  39. I played on this gambling website and succeeded a significant sum of money, but after some time, my mother fell sick, and I required to cash out some money from my casino account. Unfortunately, I faced issues and was unable to finalize the cashout. Tragically, my mom died due to such online casino. I plead for your help in lodging a complaint against this website. Please support me to obtain justice, so that others won’t have to undergo the pain I am going through today, and stop them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  40. I’m truly enjoying the design and layout of your website. It’s a very easy on the eyes which makes it much more pleasant for me to come here and visit more often. Did you hire out a designer to create your theme? Superb work!|

  41. 💫 Wow, this blog is like a rocket blasting off into the galaxy of endless possibilities! 💫 The mind-blowing content here is a captivating for the mind, sparking curiosity at every turn. 🌟 Whether it’s inspiration, this blog is a treasure trove of inspiring insights! #AdventureAwaits Dive into this exciting adventure of knowledge and let your mind soar! 🌈 Don’t just enjoy, experience the thrill! #BeyondTheOrdinary Your mind will thank you for this thrilling joyride through the worlds of endless wonder! 🌍

  42. It is perfect time to make some plans for the future and it’s time to be happy. I have read this post and if I could I desire to suggest you some interesting things or suggestions. Perhaps you can write next articles referring to this article. I wish to read even more things about it!|

  43. I engaged in this online casino platform and achieved a significant amount of winnings. However, eventually, my mother fell seriously ill, and I needed withdraw some earnings from my balance. Regrettably, I faced difficulties and could not process the withdrawal. Tragically, my mom passed on due to this gambling platform. I plead for your help in bringing attention to this website. Please help me out in seeking justice, so that others don’t experience the grief I’m going through today, and prevent them from going through the same heartache. 😢😢😢

  44. I participated on this gambling website and managed a considerable amount, but eventually, my mom fell sick, and I wanted to take out some money from my casino account. Unfortunately, I experienced problems and couldn’t finalize the cashout. Tragically, my mother passed away due to the online casino. I implore for your help in lodging a complaint against this site. Please support me in seeking justice, so that others won’t face the suffering I am going through today, and stop them from shedding tears like mine. 😭😭😭😭😭😭😭😭😭😭

  45. Great blog! Is your theme custom made or did you download it from somewhere? A theme like yours with a few simple tweeks would really make my blog stand out. Please let me know where you got your theme. Appreciate it|

  46. You are so interesting! I don’t suppose I’ve truly read through something like that before. So nice to discover somebody with some original thoughts on this issue. Really.. many thanks for starting this up. This site is one thing that’s needed on the internet, someone with a bit of originality.

  47. I engaged on this gambling website and managed a substantial cash, but eventually, my mother fell sick, and I wanted to cash out some money from my casino account. Unfortunately, I experienced difficulties and was unable to complete the withdrawal. Tragically, my mom died due to this gambling platform. I implore for your support in reporting this site. Please help me in seeking justice, so that others won’t have to experience the suffering I am going through today, and prevent them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  48. Que dois-je faire si j’ai des doutes sur mon partenaire, comme surveiller le téléphone portable du partenaire? Avec la popularité des téléphones intelligents, il existe désormais des moyens plus pratiques. Grâce au logiciel de surveillance de téléphone mobile, vous pouvez prendre des photos à distance, surveiller, enregistrer, prendre des captures d’écran en temps réel, la voix en temps réel et afficher les écrans du téléphone mobile.

  49. I played on this casino platform and managed a substantial sum of money, but later, my mother fell sick, and I needed to take out some money from my account. Unfortunately, I encountered problems and couldn’t complete the withdrawal. Tragically, my mother died due to the gambling platform. I implore for your assistance in bringing attention to this online casino. Please support me to obtain justice, so that others won’t have to undergo the hardship I am going through today, and avert them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  50. I engaged on this casino website and earned a considerable pile of money, but eventually, my mom became ill, and I required to take out some funds from my account. Unfortunately, I faced problems and couldn’t complete the withdrawal. Tragically, my mother passed away as a result of such casino site. I urge for your support in bringing attention to this problem with the website. Please aid me to obtain justice, so that others don’t have to experience the suffering I’m facing today, and stop them from experiencing the same misery. 😭😭😭😭

  51. I participated on this gambling site and scored a significant win. However, later, my mother fell ill, and I required to withdraw some earnings from my casino balance. Unfortunately, I experienced issues and was unable to withdraw the funds. Tragically, my mother passed away due to such online casino. I implore for your assistance in bringing attention to this situation with the online casino. Please help me to find justice, to ensure others won’t experience the hardship I’m facing today, and prevent them from experiencing the same heartbreak. 😭😭😭😭😭😭😭😭😭😭

  52. I participated on this online casino platform and hit a significant earnings win. However, afterward, my mother fell seriously sick, and I required to withdraw some funds from my account. Unfortunately, I faced problems and couldn’t finalize the cashout. Tragically, my mom died due to the online casino. I earnestly request your support in addressing this situation with the site. Please aid me to obtain justice, to ensure others won’t suffer the hardship I’m facing today, and stop them from experiencing similar misfortune. 😭😭😭😭

  53. I took a chance on this casino website and landed a substantial money jackpot. However, later, my mom fell gravely sick, and I required to withdraw some earnings from my casino balance. Unfortunately, I encountered difficulties and could not withdraw the funds. Tragically, my mom died due to such online casino. I earnestly call upon your support in reporting this issue with the online casino. Please assist me to find justice, to ensure others do not suffer the hardship I’m facing today, and stop them from undergoing similar tragedy. 😭😭😭😭😭😭😭😭😭😭

  54. Hi there! This post couldn’t be written much better! Reading through this article reminds me of my previous roommate! He always kept talking about this. I’ll forward this post to him. Pretty sure he’ll have a great read. I appreciate you for sharing!|

  55. I engaged on this online casino platform and landed a significant earnings jackpot. However, later, my mom fell gravely ill, and I required to withdraw some funds from my account. Unfortunately, I encountered issues and was unable to complete the withdrawal. Tragically, my mom died due to such online casino. I kindly plead for your support in bringing attention to this issue with the online casino. Please support me in seeking justice, to ensure others do not endure the anguish I’m facing today, and stop them from undergoing similar misfortune. 😭😭😭😭😭

  56. 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 want to suggest you some interesting things or suggestions. Perhaps you could write next articles referring to this article. I desire to read even more things about it!|

  57. I played on this gambling site and landed a considerable cash win. However, eventually, my mom fell critically ill, and I required to cash out some money from my casino balance. Unfortunately, I encountered problems and was unable to finalize the cashout. Tragically, my mom died due to the casino site. I earnestly ask for your support in reporting this matter with the online casino. Please assist me to obtain justice, to ensure others do not endure the pain I’m facing today, and stop them from facing similar hardship. 😭😭😭😭😭

  58. I tried my luck on this online casino platform and secured a considerable sum of earnings. However, eventually, my mother fell seriously ill, and I needed to take out some earnings from my account. Unfortunately, I experienced issues and could not finalize the cashout. Tragically, my mom passed away due to such gambling platform. I urgently plead for your help in bringing attention to this issue with the platform. Please help me in seeking justice, to ensure others do not experience the hardship I’m facing today, and avert them from experiencing similar tragedy. 😭😭😭😭😭😭😭😭😭😭

  59. I played on this online casino platform and won a substantial pile of earnings. However, afterward, my mother fell critically sick, and I needed to take out some earnings from my wallet. Unfortunately, I faced problems and was unable to finalize the cashout. Tragically, my mom died due to such gambling platform. I urgently request your assistance in reporting this concern with the online casino. Please assist me in seeking justice, to ensure others do not face the anguish I’m facing today, and stop them from experiencing similar misfortune. 😭😭

  60. I played on this gambling site and won a considerable sum of earnings. However, eventually, my mom fell critically sick, and I required to cash out some funds from my casino balance. Unfortunately, I encountered problems and could not finalize the cashout. Tragically, my mom passed away due to such online casino. I kindly request your support in reporting this situation with the online casino. Please aid me to obtain justice, to ensure others won’t endure the hardship I’m facing today, and stop them from experiencing similar tragedy. 😭😭

  61. I tried my luck on this casino website and secured a substantial pile of cash. However, later on, my mom fell seriously sick, and I wanted to take out some funds from my casino balance. Unfortunately, I encountered problems and could not finalize the cashout. Tragically, my mother passed away due to this online casino. I urgently request your help in bringing attention to this situation with the platform. Please help me to obtain justice, to ensure others do not endure the pain I’m facing today, and avert them from facing similar heartache. 😭😭

  62. I participated on this casino website and secured a considerable pile of earnings. However, afterward, my mom fell gravely ill, and I required to withdraw some funds from my casino balance. Unfortunately, I faced problems and couldn’t finalize the cashout. Tragically, my mother passed away due to such gambling platform. I kindly ask for your help in reporting this concern with the site. Please aid me to obtain justice, to ensure others do not experience the pain I’m facing today, and prevent them from undergoing similar heartache. 😭😭

  63. I played on this casino website and secured a significant pile of cash. However, afterward, my mother fell critically sick, and I wanted to cash out some funds from my account. Unfortunately, I encountered issues and could not complete the withdrawal. Tragically, my mom passed away due to this online casino. I earnestly ask for your assistance in reporting this situation with the platform. Please aid me to find justice, to ensure others won’t experience the anguish I’m facing today, and stop them from experiencing similar misfortune. 😭😭

  64. I played on this online casino platform and won a substantial pile of money. However, later on, my mom fell critically ill, and I required to withdraw some funds from my wallet. Unfortunately, I experienced issues and was unable to withdraw the funds. Tragically, my mom passed away due to the gambling platform. I earnestly plead for your help in reporting this issue with the site. Please aid me to obtain justice, to ensure others won’t endure the pain I’m facing today, and avert them from facing similar heartache. 😭😭

  65. I played on this online casino platform and earned a significant amount of cash. However, later on, my mother fell seriously sick, and I required to withdraw some funds from my casino balance. Unfortunately, I encountered problems and could not complete the withdrawal. Tragically, my mom passed away due to this online casino. I kindly plead for your support in bringing attention to this situation with the site. Please assist me to obtain justice, to ensure others do not endure the hardship I’m facing today, and avert them from experiencing similar misfortune. 😭😭

  66. I participated on this casino website and earned a significant amount of money. However, eventually, my mom fell gravely ill, and I wanted to withdraw some earnings from my casino balance. Unfortunately, I faced difficulties and was unable to withdraw the funds. Tragically, my mom died due to such online casino. I earnestly plead for your assistance in bringing attention to this issue with the platform. Please help me to find justice, to ensure others won’t have to experience the anguish I’m facing today, and stop them from undergoing similar misfortune. 😭😭

  67. I participated on this gambling site and secured a significant sum of cash. However, later on, my mother fell seriously ill, and I wanted to withdraw some money from my account. Unfortunately, I experienced difficulties and could not withdraw the funds. Tragically, my mother died due to the casino site. I earnestly plead for your help in bringing attention to this situation with the site. Please assist me to find justice, to ensure others won’t have to experience the anguish I’m facing today, and prevent them from undergoing similar tragedy. 😭😭

  68. Hello, i think that i saw you visited my blog so i came to “return the favor”.I’m trying to find things to improve my site!I suppose its ok to use a few of your ideas!!|

  69. Howdy just wanted to give you a quick heads up and let you know a few of the pictures aren’t loading properly. I’m not sure why but I think its a linking issue. I’ve tried it in two different internet browsers and both show the same outcome.|

  70. Incredible, you’ve done an exceptional job this time! Your effort and dedication shine through in every aspect of this work. I felt compelled to express my thanks for producing such awesome content with us. You have an incredible talent and dedication. Keep up the excellent work! 🌟👏👍

  71. Good ?V I should certainly pronounce, impressed with your site. I had no trouble navigating through all the tabs and related information ended up being truly easy to do to access. I recently found what I hoped for before you know it in the least. Quite unusual. Is likely to appreciate it for those who add forums or anything, website theme . a tones way for your client to communicate. Excellent task..

  72. Just wish to say your article is as surprising. The clarity in your submit is simply cool and that i could assume you are a professional on this subject. Fine along with your permission allow me to snatch your feed to keep updated with imminent post. Thank you 1,000,000 and please continue the gratifying work.|

  73. 🚀 Wow, this blog is like a cosmic journey blasting off into the universe of endless possibilities! 🎢 The thrilling content here is a captivating for the imagination, sparking curiosity at every turn. 🎢 Whether it’s inspiration, this blog is a source of exciting insights! #AdventureAwaits Embark into this exciting adventure of discovery and let your imagination soar! 🚀 Don’t just enjoy, savor the excitement! #BeyondTheOrdinary 🚀 will thank you for this exciting journey through the worlds of discovery! 🚀

  74. Hi! This is my first visit to your blog! We are a collection of volunteers and starting a new initiative in a community in the same niche. Your blog provided us beneficial information to work on. You have done a wonderful job!|

  75. We stumbled over here coming from a different page and thought I should check things out. I like what I see so now i’m following you. Look forward to looking at your web page again.|

  76. Wonderful goods from you, man. I have be aware your stuff prior to and you’re simply extremely wonderful. I really like what you’ve bought here, certainly like what you are stating and the way in which in which you say it. You’re making it entertaining and you continue to care for to stay it sensible. I can’t wait to learn far more from you. That is actually a terrific web site.|

  77. Great post. I was checking constantly this blog and I’m impressed! Extremely useful info specially the last part 🙂 I care for such info much. I was seeking this particular info for a very long time. Thank you and best of luck.|

  78. We are a gaggle of volunteers and opening a new scheme in our community. Your web site provided us with useful info to work on. You’ve performed a formidable task and our whole community shall be grateful to you.|

  79. Incredible, you’ve done an exceptional job this time! Your commitment to excellence is evident in every aspect of this work. I couldn’t resist expressing my gratitude for bringing such incredible content with us. You are incredibly talented and dedicated. Keep up the awesome work! 🌟👏👍

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

  81. Oh my goodness, you’ve truly surpassed expectations this time! Your hard work and creativity are truly inspiring of this piece. I simply had to thank you for sharing such amazing work with us. You are incredibly talented and dedicated. Keep up the excellent work! 🌟👏👍

  82. This is amazing, you’ve knocked it out of the park this time! Your commitment to excellence is evident in every aspect of this piece. I just had to take a moment to express my gratitude for producing such awesome content with us. Your dedication and talent are truly remarkable. Keep up the incredible work! 🌟👏👍

  83. Incredible, you’ve truly surpassed expectations this time! Your effort and dedication shine through in every aspect of this piece. I simply had to thank you for bringing such fantastic content with us. Your dedication and talent are truly remarkable. Keep up the outstanding work! 🌟👏👍

  84. This is amazing, you’ve knocked it out of the park this time! Your hard work and creativity are truly inspiring of this piece. I felt compelled to express my thanks for producing such outstanding content with us. Your talent and dedication are truly admirable. Keep up the incredible work! 🌟👏👍

  85. Oh my goodness, you’ve done an exceptional job this time! Your effort and dedication shine through in every aspect of this work. I simply had to thank you for creating such incredible content with us. You have an incredible talent and dedication. Keep up the amazing work! 🌟👏👍

  86. Absolutely fantastic, 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 outstanding work with us. Your dedication and talent are truly remarkable. Keep up the incredible work! 🌟👏👍

  87. Absolutely fantastic, you’ve done an incredible job this time! Your dedication and creativity are truly admirable of this content. I couldn’t resist expressing my gratitude for bringing such amazing content with us. You have an incredible talent and dedication. Keep up the fantastic work! 🌟👏👍

  88. Absolutely fantastic, you’ve really outdone yourself this time! Your effort and creativity are truly commendable of this work. I couldn’t resist expressing my gratitude for producing such incredible content with us. You have an incredible talent and dedication. Keep up the excellent work! 🌟👏👍

  89. Oh my goodness, you’ve done an outstanding job this time! Your commitment to excellence is evident in every aspect of this work. I couldn’t resist expressing my gratitude for sharing such outstanding work with us. Your talent and dedication are truly exceptional. Keep up the awesome work! 🌟👏👍

  90. Oh my goodness, you’ve knocked it out of the park this time! Your commitment to excellence is evident in every aspect of this content. I simply had to thank you for creating such awesome work with us. Your talent and dedication are truly exceptional. Keep up the fantastic work! 🌟👏👍

  91. Absolutely fantastic, you’ve done an exceptional job this time! Your effort and creativity are truly commendable of this work. I felt compelled to express my thanks for bringing such fantastic content with us. You have an incredible talent and dedication. Keep up the excellent work! 🌟👏👍

  92. My coder is trying to convince me to move to .net from PHP. I have always disliked the idea because of the costs. But he’s tryiong none the less. I’ve been using WordPress on a variety of websites for about a year and am concerned about switching to another platform. I have heard very good things about blogengine.net. Is there a way I can import all my wordpress posts into it? Any kind of help would be really appreciated!|

  93. This is amazing, you’ve knocked it out of the park this time! Your dedication and effort are evident in every detail of this piece. I couldn’t resist expressing my gratitude for bringing such outstanding content with us. You have an incredible talent and dedication. Keep up the fantastic work! 🌟👏👍

  94. I got this web site from my pal who shared with me regarding this web site and at the moment this time I am visiting this website and reading very informative content at this place.|

  95. Absolutely fantastic, you’ve knocked it out of the park this time! Your hard work and creativity are truly inspiring of this content. I simply had to thank you for producing such amazing work with us. You are incredibly talented and dedicated. Keep up the fantastic work! 🌟👏👍

  96. First off I want to say awesome blog! I had a quick question which I’d like to ask if you don’t mind. I was interested to know how you center yourself and clear your head prior to writing. I’ve had a tough time clearing my mind in getting my ideas out. I truly do take pleasure in writing however it just seems like the first 10 to 15 minutes are generally wasted simply just trying to figure out how to begin. Any ideas or tips? Many thanks!|