Bagaimana P2P Lending Menangani Gagal Bayar

Penting: Artikel ini fokus pada perlakuan website P2P (Peer to Peer) lending kepada investor/pendana, bukan kepada peminjam. Yang dijelaskan disini adalah bagaimana nasib investor apabila terjadi gagal bayar, bukan bagaimana website P2P (Peer to Peer) lending melakukan penagihan kepada peminjam yang bermasalah.

Perlu anda catat bahwa risiko investasi di pinjaman adalah ‘all or nothing‘ – artinya, dalam kasus gagal bayar, modal anda bisa sebagian atau seluruhnya hilang, berbeda dengan risiko saham dan reksadana dimana nilai investasi anda bisa turun namun bisa naik lagi di lain waktu.

Dalam kasus terjadi gagal bayar, website P2P (Peer to Peer) lending punya solusi yang berbeda-beda:

1. Menggunakan tabungan ‘pribadi’ website untuk menggantikan modal

Contoh website yang menggunakan solusi ini: KoinWorks, iGrow (dulu), Akseleran

Bila terjadi gagal bayar, website akan mengeluarkan uang dari ‘saku’ mereka untuk menggantikan modal anda. Dalam kasus KoinWorks, sebagian keuntungan lender dipotong untuk ditabung kedalam dana talangan ini, yang mereka sebut sebagai ‘provision fund’.

Di Koinworks, bila terjadi gagal bayar, jumlah modal anda yang digantikan tergantung dari grade pinjaman anda. Misalnya grade A 100%, dan grade B hanya 80%, dan seterusnya.

Saya menilai solusi ini adalah yang terbaik karena memberikan kepastian kepada investor sebelum mereka memutuskan untuk berinvestasi. Anda bisa lihat sendiri bahwa solusi ini dulu memang yang paling umum digunakan oleh kebanyakan P2P (Peer to Peer) lending.

Kekurangan dari solusi ini, umumnya bunga yang ditawarkan menjadi lebih rendah karena website harus menyisihkan sebagian bunga pinjaman untuk menjadi dana cadangan ini.

Sayangnya, OJK sudah mengeluarkan aturan terbaru yang melarang solusi ini karena berisiko terlalu tinggi pada keuangan perusahaan p2p lending. Kebanyakan p2p lending beralih dari solusi ini ke solusi nomor 4 (lihat dibawah).

Solusi ini masih dapat digunakan apabila yang mengganti kerugiannya adalah perusahaan lain, sehingga Akseleran dan Koinworks masih bisa menggunakan solusi ini dengan cara membuat perusahaan baru (misalnya induk perusahaan atau anak perusahaan) yang berfungsi menjadi penutup kerugian mereka.

2. Mengandalkan pencairan agunan

Contoh website yang menggunakan solusi ini: AktivakuModalku, Investree

Bila terjadi gagal bayar, website akan mencoba negosiasi kepada peminjam untuk pelunasan pembayaran (misalnya dengan cara pencairan aset lain). Apabila pembayaran masih juga berkendala, maka website biasanya meminta pencairan agunan atau aset berharga lainnya untuk menutupi pinjaman, sesuai dengan kesepakatan yang telah terjadi dimuka.

Dalam solusi ini tidak ada jaminan bahwa modal anda kembali 100%, karena nilai agunan ketika dicairkan bisa saja berbeda dengan taksiran awal di perjanjian. Namun biasanya, sebagian besar modal anda akan kembali ketika sang peminjam telah mencairkan agunan mereka. Jangan harap uang anda kembali cepat-cepat, karena proses pencairan agunan cukup memakan waktu, belum lagi kalau website melakukan negosiasi panjang sebelum memutuskan untuk meminta pencairan agunan.

3. Bernegosiasi dengan peminjam atau pengurus proyek

Contoh website yang menggunakan solusi ini: Crowde

Mungkin juga berlaku untuk iGrow,  Growpal, Vestifarm, myAgro, dan semua jenis website agrikultural.

Saya berbincang dengan representatif Crowde perihal penanganan pinjaman yang gagal bayar karena proyek terganggu, misalnya karena bencana alam, hama, dan lain sebagainya. Solusi dari Crowde cukup unik, yakni melakukan negosiasi untuk melakukan penanaman ulang atau melakukan proyek alternatif (dimana Crowde membantu sebagian modalnya). Jumlah uang investor yang dikembalikan tergantung dari hasil negosiasi dan keberhasilan mitigasi tersebut.

Solusi ini tentunya yang terburuk diantara semua solusi lainnya karena tidak memberikan kepastian sama sekali sebelum investor memutuskan untuk memilih pinjaman. Bahkan saya pribadi yakin kalau penagihan hutang lewat debt collector lebih konsisten dibandingkan solusi ini.

Kendati demikian, dampak sosial dari solusi ini adalah yang terbaik, karena pengurus proyek/peminjam jadi bisa belajar dari kesalahan mereka dan mendapatkan bimbingan dari website untuk tidak mengulangi kesalahan yang sama.

4. Klaim Kerugian Ke Pihak Ketiga

Contoh website yang menggunakan solusi ini: Asetku, Uangme, Mekar, Danain, dan banyak lainnya.

Seperti yang saya jelaskan di poin nomor 1 diatas, OJK tidak lagi memperbolehkan penggantian kerugian modal menggunakan dana pribadi, sehingga kebanyakan p2p lending mencari asuransi atau pihak ketiga yang mau mengansuransikan kerugian mereka.

Asetku, misalnya, mengclaim kerugian ke induk perusahaan mereka Akulaku yang bertindak sebagai analis kredit dan penyedia pinjaman, meskipun satu grup usaha, namun hal ini tidak menyalahi aturan OJK. Demikian juga Danain memiliki pihak ketiga yang melindungi kerugian mereka bila terjadi gagal bayar.

Website lain, seperti Uangme, dilindungi asuransi Sinarmas Insurtech. Mekar juga mengikutsertakan Mitra mereka dalam program asuransi untuk melindungi pemodal bila terjadi gagal bayar akibat kehilangan nyawa atau wanprestasi usaha.

Kekurangan dari solusi ini, umumnya bunga yang ditawarkan menjadi lebih rendah karena website harus menyisihkan sebagian keuntungan untuk membayar premi asuransi ini. Website seperti Modal Rakyat dan Akseleran meminimalkan kerugian ini dengan cara menyediakan asuransi hanya untuk pinjaman pinjaman tertentu.

Ada juga website seperti Amartha juga membuat perlindungan ini opsional, seperti asuransi tambahan yang bisa dibeli investor namun bisa juga diabaikan, sehingga investor bisa memilih sendiri mau menyisihkan keuntungan mereka atau tidak.

5. Restrukturisasi

Solusi ini mirip dengan solusi nomor 3, namun bedanya disertai dengan komitmen tertulis ketimbang janji yang ambigu. Baik lender, penyelenggara, dan borrower sama-sama memiliki informasi yang eksak dan berisi komitmen atas restrukturisasi pinjaman yang diajukan.

Solusi ini mendadak sering digunakan banyak penyelenggara saat pandemi COVID-19 berlangsung, meskipun banyak penyelenggara sudah menerapkan solusi lainnya, namun secara mengejutkan masih melakukan restrukturisasi.

Penjelasan soal restrukturisasi sangat panjang sehingga secara khusus dipecah menjadi tulisan tersendiri. Silakan dibaca disini

Kesimpulan

Dalam setiap review yang saya tulis, saya sudah memasukkan informasi tentang bagaimana website tersebut menangani gagal bayar. Hal ini penting menjadi pertimbangan anda untuk memilih website mana yang mau anda danai, karena berhubungan dengan tingkat risiko yang bisa anda terima.

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).

Bagaimana Dengan Saya?

Saya selalu memilih p2p lending yang memiliki perlindungan gagal bayar atau asuransi. Di website seperti Akseleran, saya selalu memilih produk yang memiliki asuransi. Di Amartha, saya selalu memilih untuk membeli asuransi tambahan.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

234 Comments

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  1. masukan min,
    tolong ulas donk untuk case pengembalian modal macet seperti kasus Angon.id,
    ada potensi Fraud pada managementnya.

    • Halo Pak Arif, terimakasih informasinya. Angon memang belum saya review karena mereka belum terdaftar di OJK sehingga kurang aman. Informasi dari pak Arif akan saya masukkan ke halaman perbandingan dan artikel ini agar banyak yang tahu.

  2. Dari solusi-solusi apabila terjadi gagal bayar di atas, menurut admin, apakah OJK perlu merancang peraturan mengenai hal-hal yang wajib diselenggarakan oleh platform p2p untuk meminimalisir risiko gagal bayar?

    • Harapan pribadi saya tentu perlu. Sayangnya, OJK sudah mengambil keputusan bahwa penanganan gagal bayar sepenuhnya menjadi hak setiap penyelenggara untuk menentukan masing masing 🙁

    • Halo kak. Setau saya investree pakai metode yang sama seperti Akseleran, yaitu pencairan agunan. Investree daridulu bangga kalau pinjaman mereka selalu lancar karena mereka sangat selektif terhadap siapa yang bisa meminjam pada mereka (lebih fokus preventif daripada reaktif)

    • Tergantung kebijakan masing-masing p2p lending pak. Kebanyakan baru mengembalikan bila sudah macet 90 hari, sesuai ketentuan OJK. Harus perhatikan syarat dan ketentuan masing-masing penyelenggara

  3. Untuk dana lumayan besar 100juta ke atas, P2P apa Yang terbaik dari segi keamanan dengan adanya asuransi 100% Dan rate kompetitif (18% P. A)?

    • bila bisa komit floating dana 250jt per kuartal (total 1 milyar per tahun), saya bisa kenalkan dengan tim Danamart untuk penawaran program superlender (up to 21 p.a dengan asuransi). Untuk 500juta, Amartha juga memiliki penawaran khusus compounding tapi saya tidak join jadi tidak tahu mekanismenya.

      bila range dibawah itu, bisa coba Asetku tanpa program khusus, karena sudah memenuhi kriteria 18% pa, apalagi dengan bonus dari marketing mereka, effective returnnya bisa lebih tinggi lagi.

      semoga membantu.

      • Terima kasih atas replynya, saat saya mencari di Google tidak ketemu danamart. Apakah maksudnya Danamas?

        Lebih baik diverfikasi seperti 50/50 di Asetku dan Uangme atau 1 app saja sudah cukup?

        • Ada danamas dan ada juga danamart (bisa lihat sendiri ulasan keduanya di website ini). Sebenarnya diversifikasi makin banyak makin bagus, tapi kalaupun cuma mau 2 jangan pilih yang sektornya sama. Uangme dan asetku dua duanya kategori konsumtif

  4. Saya tertarik untuk ikut investasi P2P,
    yang saya ingin tanyakan mana yang terbaik? P2P yang paling aman (dikembalikan 100% jika gagal bayar) & bukan kategori konsumtif.

  5. Terimakasih untuk informasinya min, saya baru mempelajari bentuk investasi p2p lending. Tp setelah membaca ulasan ini jd lebih aware LG.
    Salah satu p2p lending yg saya coba adalah akseleran. Apakah admin pernah menuliskan ulasan ttg pengalaman investasi di perusahaan ini? Amankah?

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