Review ALAMI 2021, P2P Produktif Syariah, Berizin, TKB90 100%

Tulisan ini dipublikasi Oktober 2020 dan diperbaharui 7 Juli 2021, serta sudah dibaca dan ditanggapi oleh tim ALAMI sendiri. Tulisan ini membahas Alami dari pandangan seorang lender/investor dan tidak membahas sisi borrower sama sekali. Sampai saat ini saya masih aktif menggunakan ALAMI, dan bila anda pertama kali kesini, sebaiknya baca dulu BAGAIMANA MENGEVALUASI P2P LENDING. 

Apabila tertarik menggunakan ALAMI, anda bisa mendukung blog ini dengan menggunakan kode referral saya ASIARI

Portofolio Saya di ALAMI

Total disbursement: 67.000.173 rupiah atas 35 pinjaman

Total bunga: 668.395 rupiah

Total dana bermasalah: 0 rupiah

Siapa sih ALAMI Syariah?

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

PT Alami Fintek Sharia adalah fintech syariah berizin, yang belum memiliki banyak pesaing di segmen ini. CEO ALAMI yang bernama Pak Dima Djani sebelumnya memiliki pengalaman di dunia banking (seperti founder p2p lainnya) serta pernah menjadi perwakilan region Indonesia untuk sebuah institusi finansial internasional. Sedangkan untuk co-founder nya pak Bembi Triawan Juniar dan pak Harza Sandityo memiliki lebih banyak pengalaman di banking maupun leasing.

ALAMI mulanya berdiri tahun 2018 sebagai agregator pinjaman syariah, yang berarti mereka memasarkan produk pinjaman perbankan kepada pihak yang membutuhkan. Namun melihat pesatnya pertumbuhan industri p2p lending dan adanya kebutuhan di segmen syariah, justru mereka berganti menjadi p2p lending berbasis syariah di tahun 2019.

Per 1 Oktober ALAMI sudah menyalurkan pinjaman sebesar 200 milyar, yang sebenarnya lumayan kecil dibanding p2p lainnya. Namun perlu diingat ALAMI baru menjadi p2p selama kurang lebih setahun, jadi wajar saja.

ALAMI sudah menerima beberapa suntikan dana:

  • Preseed: Angel Investor dan TryB group
  • Seed: Agaeti Venture dan Golden Gate venture
  • Series A: Golden gate, Bukalapak, AC Ventures

Produk Pendanaan ALAMI

Ketersediaan Pendanaan di ALAMI

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

Kuantitas peminjam di ALAMI cukup bersifat musiman. Dalam beberapa hari sangat sulit mendapatkan pinjaman apapun, namun di hari lainnya tersedia satu sampai empat pinjaman. Anda harus sedikit berebutan untuk mendapatkan pinjaman disini, terutama untuk tenor pendek dan repeat borrower. ALAMI mengirimkan notifikasi lewat email, grup Whatsapp, maupun grup Telegram, jadi pastika

Kebanyakan peminjam di ALAMI adalah repeat borrower yang memiliki beberapa pinjaman sekaligus. Hal ini bisa jadi pisau bermata dua. Sisi positifnya adalah ALAMI jadi punya peminjam setia yang tentunya punya rekam jejak pembayaran baik (kalau rekam jejaknya buruk tidak akan diberikan pinjaman lagi). Namun sisi negatifnya, bila satu peminjam bermasalah, maka semua pinjaman yang diajukan cenderung ikut bermasalah.

Variasi Pinjaman

Variasi pinjaman penting untuk meminimalkan risiko, serta membantu lender/investor menyusun perencanaan keuangan yang baik terhadap likuiditas uangnya.

Semua pinjaman yang tersedia di ALAMI adalah invoice financing untuk UKM (usaha kecil menengah), sesuai dengan visi perusahaan. Untuk industri peminjam sangat bervariasi: jasa IT, telekomunikasi, kesehatan, transportasi, makanan, distributor, dan lain-lain. Hal ini tentu merupakan nilai positif bagi lender rewel yang suka memilih industri untuk dampak sosial dan menganalisa ‘dampak covid-19’.

Meskipun hanya ada sedikit, namun ALAMI juga menyediakan produk pendanaan order (order financing) dan community financing, yang bekerjasama dengan efishery untuk pembiayaan peternak ikan. Produk ini hanya terbuka untuk VIP lender karena belum matang secara teknis. Skema produk ini lebih kompleks daripada invoice financing, karena melibatkan mitra pihak ketiga yang berfungsi sebagai pialang (pengantara) antara ALAMI dan borrower di tingkat akhir.

Plafon pinjaman disini sangat variatif, mulai dari 8 juta sampai 2 milyar. Retur yang bisa diterima lender ada di angka 13% p.a sampai 16% p.a. Untuk grade risiko tentu sangat subjektif sehingga tidak terlalu penting kita bahas, namun hal unik adalah ALAMI tidak menggunakan huruf sebagai satuan penilaian namun menggunakan 5 bintang.

Berbeda dengan p2p lending lain yang menjabarkan ‘tenor’, ALAMI menginformasikan bulan jatuh tempo sehingga kita perlu ‘menghitung’ tenor secara manual. Berdasarkan pantauan saya, tenor disini antara 1 sampai 4 bulan.

Ada satu hal yang saya sangat suka di ALAMI, yaitu penilaian ‘metriks’ yang tidak pernah ada di p2p lending lainnya. Meskipun metriks ini cenderung subjektif juga, namun bisa memberikan gambaran cepat tentang cara ALAMI menilai si peminjam ini. Lihat contohnya dibawah:

Likuiditas ALAMI

Seberapa cepat uang yang anda pinjamkan bisa kembali ke tangan anda. Apabila likuiditas cukup buruk biasa dikarenakan tenor pinjamannya panjang-panjang.

Melihat adanya tenor satu bulan, maka likuiditas di ALAMI tidak terlalu buruk. Namun perlu diingat bahwa pendanaan disini menngadopsi sistem crowdfunding dimana dana banyak lender dikumpulkan untuk mendanai pinjaman ramai-ramai. Sehingga, ada jeda waktu antara penyetoran dana dan pengembangan dana, karena anda mungkin harus menunggu pinjaman terpenuhi lalu dicairkan ke peminjam terlebih dahulu.

Tenor satu bulan juga cenderung jarang muncul di ALAMI. Paling umum menjumpai sekitar 3 sampai 4 bulan disini. Saya bilang ‘sekitar’ karena jatuh tempo di ALAMI dihitung dalam hitungan hari, bukan BULAN.

Jumlah Minimal Investasi ALAMI

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

Mulai dari 100 ribu rupiah.

Dampak Sosial Alami

Meskipun sektor UKM memang kebanyakan unbankable, namun saya selalu menganggap sektor mikro lah yang lebih membutuhkan bantuan dari industri p2p lending. Untungnya, dengan produk community financing dampak sosial ALAMI rasanya sangat baik karena menyasar sektor mikro maupun kecil-menengah

Legalitas ALAMI

ALAMI sudah mendapatkan izin usaha oleh OJK (Otoritas Jasa Keuangan) kurang dari 1 tahun setelah mendaftar. Hal ini berarti sangat cepat sekali berizin, mengingat justru banyak p2p lain masih dalam status terdaftar dan belum berizin (terutama di segmen syariah)

Apakah ALAMI penipu?

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

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

Jadi, jelas Alami bukan penipu (maaf, saya hanya curi SEO disini)

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

RM dan Customer Service ALAMI

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

ALAMI tidak main-main dalam menjaga relasi dengan lender. Mereka mempunyai kualitas baik sebagai customer service maupun sebagai individu. Anda dapat menghubungi cs ALAMI via Whatsapp maupun salah satu perwakilan ALAMI yang tersebar secara online di grup Whatsapp maupun komunitas Telegram. Semuanya sangat responsif menjawab komunikasi anda, sekalipun anda hubungi di luar jam kerja.

Mitigasi Risiko ALAMI

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

ALAMI adalah p2p lending syariah pertama yang memberlakukan skema asuransi dari ASEI untuk melindungi 70% pokok modal. Selain itu, extra due dilligence terhadap borrower, misalnya kewajiban menyerahkan rekening koran bulanan kepada ALAMI, giro mundur diminta secara bulanan, serta meminta personal guarantee.

Promosi dan Program Referral ALAMI

Sejauh ini saya belum menemukan promosi apapun.

Catatan Lain

ALAMI mengenakan biaya layanan dengan nilai pada kisaran 2-5% dari nilai pembiayaan yang berhasil diterima. ALAMI tidak mengenakan denda keterlambatan (ta’zir) bagi pihak penerima pembiayaan, sejauh tidak terdapat penyimpangan yang dilakukan oleh penerima pembiayaan.

Saya tidak bisa menilai ALAMI dari aspek syariah karena memang bukan kompetensi saya. Saya akan perbaharui ulasan ini bila ada rekan yang membantu saya mengulas sisi syariah ALAMI.

Kesimpulan

Kelebihan

  • Sangat transparan dalam analisa kekurangan borrower
  • Satu satunya p2p syariah produktif ‘murni’ yang sudah berizin dan memiliki TKB90 100%

Kekurangan

  • Ketersediaan pinjaman yang terbatas
  • Banyak borrower yang punya beberapa pinjaman dalam waktu yang sama

Rekomendasi

Tidak banyak p2p produktif ‘murni syariah’, jadi ALAMI bisa jadi pilihan anda satu-satunya di segmen tersebut.

Siapa yang Cocok Mendanai di Alami?

  • Investor yang hanya tertarik dengan sistem syariah
  • Investor non-syariah yang menghargai transparansi akad syariah
  • Investor yang ingin memberikan dampak positif langsung kepada UMKM

Bagaimana Dengan Saya?

Portfolio saya di ALAMI masih sangat kecil karena masih dalam tahap ‘coba-coba’. Saya belum bisa melihat proposisi unik dari ALAMI karena banyak pemain di segmen yang sama (produktif UMKM), kecuali dari segi syariah berizin.

Apabila tertarik menggunakan ALAMI, anda bisa mendukung blog ini dengan menggunakan kode referral saya ASIARI

Adrian Siaril
Adrian Siaril

The boss

Articles: 591

483 Comments

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