Gejala Masalah P2P Lending

Setelah sebuah webinar kemarin, banyak yang tanya kepada saya mengenai masalah P2P Lending.

  1. P2P apa saja yang saya berhasil exit sebelum tutup
  2. kenapa saya bisa keluar tepat waktu dari P2P Lending yang tutup.

Akan saya jawab disini. Untuk pertanyaan nomor satu yaitu Crowde, Cashwagon, dan Danalaut. Perlu saya klarifikasi bahwa:

  1. Crowde masih beroperasi sampai sekarang, namun meninggalkan banyak ‘korban‘ sehingga sekarang hanya mau berurusan dengan lender institusi saja. Saya berhasil exit sebelum menjadi salah satu ‘korban’ nya.
  2. Cashwagon masih beroperasi namun menutup akses lender. Proses pengembalian dana lender berjalan cukup lancar. Saya berhasil exit sebelum proses tersebut.
  3. Hanya Danalaut yang nasibnya ga jelas, dan saya juga berhasil exit sebelum website nya menghilang.

Untuk pertanyaan nomor dua akan kita bahas di tulisan ini.

Berhasil atau tidaknya kita ‘kabur sebelum bencana’, sebenarnya bukan cuma berdasarkan hoki saja. Kalau boleh sedikit cerita, justru ramalan kelahiran saya itu bilang kalau saya itu orangnya kurang hoki, terbukti bahwa saya di saham dan crypto juga kurang beruntung, returnnya pas-pasan dibandingkan dengan teman-teman saya yang cuan lebar dari 2 pasar tersebut.

Tapi terlepas dari hoki atau tidak, sebenarnya ada beberapa faktor yang kita bisa pakai untuk merasakan apakah suatu P2P Lending mulai bermasalah atau tidak. Nah disini saya akan jelaskan beberapa.

Yang pertama, jelas kualitas customer service.

Kalau pelayanan ke konsumen itu buruk, misalnya sulit dihubungi, balasnya lama, telfon tidak diangkat, email tidak dibalas, tidak tersedia Whatsapp atau live chat, itu sudah berarti tanda-tanda buruk, karena kalau misalnya business itu masih sustainable, masih mau pelihara customer, pasti yang namanya customer service itu diutamakan.

Faktor ini adalah yang menyelamatkan saya dari Crowde

Kedua, dari kepribadian management, entah sebagai tim atau individual

Bilamana management suatu p2p lending, entah itu pemilik, pemegang saham, komisaris, atau direksi:

  • tidak pernah muncul ke publik
  • menolak diajak diskusi atau wawancara
  • tidak pernah mengadakan webinar atau berpartisipasi pada event
  • tidak pernah melakukan press release

kemungkinan besar ada sesuatu yang disembunyikan. Namanya management pasti sibuk, tapi sibuk urus perusahaan, dan salah satu tugas mengurus perusahaan itu adalah keterbukaan informasi ke publik dan edukasi tentang perusahaannya.

Kalau memang tidak ada yang disembunyikan, pasti mereka akan welcome-welcome saja menerima komunikasi dari kita.

Tanda-tanda yang ketiga, penyesuaian rate yang tidak wajar.

Turun atau naik rate itu sebenarnya ok, karena itu dilakukan untuk menyesuaikan keseimbangan antara dana Lender dan dana yang di ajukan oleh Borrower. Seperti yang sudah saya bilang, harus terjadi keseimbangan antara keduanya.

Kalau kebanyakan Lender tidak ada Borrower, uangnya nganggur. Kalau kebanyakan Borrower tidak ada Lender itu juga repot bagi penyelenggara karena mereka harus mendanai pakai uang pribadi.

Jadi naik turun rate itu wajar, untuk “mengusir halus Lender” atau mengundang lebih banyak Lender datang. Tapi penyesuaian yang wajar itu menurut saya dibawah 5%. Kalau suatu rate naik atau turun lebih dari 5%, apalagi kalau sudah menyentuh angka 2 digit (10% keatas), itu tanda-tanda yang kurang baik.

Gejala ini adalah yang ‘menyelamatkan’ saya dari Cashwagon, dimana ratenya turun drastis sekali, dari belasan persen atau bahkan 20% turun ke 4% lalu berapa bulan kemudian setelah penurunan rate mereka berhenti beroperasi.

Lalu faktor selanjutnya adalah ketersediaan pinjaman.

Ada 2 jenis masalah atas ketersediaan pinjaman.

Yang pertama bila memang banyak pinjaman baru, namun pinjaman barunya cepat terpenuhi. Kalau ini meskipun menyebalkan untuk lender (berebutan dan kehilangan retur), namun sebenarnya gejala positif yang berarti penyelenggaranya terus bertumbuh.

atau

karena tidak pernah ada pinjaman baru yang muncul. Nah kalau yang kedua ini, ini berarti tanda-tanda yang kurang bagus. Ini adalah gejala yang menyelamatkan saya, ketika saya exit dari Danalaut.

Danalaut itu selama berbulan-bulan tidak pernah ada proyek pendanaan baru, dan saya memang perhatikan proyek terakhir yang muncul apa namanya, supaya jangan sampai saya salah mengidentifikasi gejala kedua (yang negatif) dengan gejala pertama (yang positif).

Dalam p2p lending, borrower lebih penting dari lender. Mata pencaharian penyelenggara datangnya dari borrower yang meminjam, bukan lender yang mendanai. Jadi kekurangan lender bukanlah gejala yang buruk, namun kekurangan borrower adalah gejala yang sangat buruk

P2P Lending kalau tidak ada yang meminjam, berarti tidak ada mata pencahariannya. Percuma Lender banyak yang masuk, tapi tidak aja yang meminjam.

Berarti penyelenggara tidak bisa dapat spread sama sekali, alias incomenya nol. Kalau seperti itu sudah dipastikan kurang bagus tanda-tandanya.

Promo hanya untuk konsumen baru dan program referral berlebihan

Sebenarnya ini mirip dengan karakteristik bisnis MLM, dimana uang member baru atau investor baru dipakai untuk menutupi keuntungan dan penarikan dana member lama.

Gejala ini tidak selalu menunjukan tanda-tanda yang buruk, karena ada juga P2P Lending yang masih baru, yang masih sehat, dan mengandalkan strategi ini. Tentunya untuk mengaet lebih banyak Lender, dan untuk publikasi. Hal tersebut wajar untuk dilakukan.

Tetapi kalau terus-menerus dilakukan, tidak berhenti-berhenti bahkan menawarkan hadiah atau cashback yang jumlahnya sangat besar, itu perlu diwaspadai. Apalagi kalau promo hanya untuk Lender baru saja.

Brand-brand besar meskipun sering mengadakan promo yang lebih menarik bagi pengguna baru, mereka juga mengadakan promo untuk pengguna setia (lama). Hal ini dilakukan untuk menjaga keduanya, karena meskipun customer baru penting untuk kelangsungan bisnis, namun existing customer tentu tidak kalah penting.

‘Berlebihan’ memang merupakan istilah yang ambigu, dan saya tidak bisa menyebutkan angka atau persentase sebagai batas wajar. Namun dapat dipikirkan secara sehat saja: Kita bisa cari tahu informasi mengenai berapa banyak bunga yang akan dikenakan pada Borrower dan berapa bunga yang akan anda dapat sebagai Lender. Selisih dari perhitungan bunga tersebut akan masuk ke “kantong” penyelenggara (spread and provision)

Dari situ, kita bisa mengira-ngira. Contohnya spread 7%, berapa persen yang di bagi untuk melaksanakan promosi? Misalkan 2% untuk promosi, hal tersebut masih dapat diterima. Tetapi kalau sudah mencapai 5%, hal tersebut sudah tidak wajar.

Masalah teknis yang tak kunjung diperbaiki

Selanjutnya adalah terkait masalah teknis yang tak kunjung diperbaiki. Ini juga salah satu gejala yang menyelamatkan saya dari Crowde (selain gejala customer service) dan Danalaut (selain gejala tidak adanya pendanaan).

Di layanan digital apapun, kendala teknis pasti ada dan akan terjadi. Hal tersebut karena adanya upgrade system atau pembaharuan coding. Wajar saja, tetapi kita juga harus melihat, seberapa cepat masalah dapat diselesaikan. Jika dalam 1 hari masalah dapat diselesaikan itu termasuk kategori cepat. Jika 1 minggu masalah dapat diselesaikan itu masih ok juga. Namun jika sampai berbulan-bulan tidak diperbaiki, maka itu bukanlah tanda-tanda yang bagus. Dapat dikatakan mereka sudah tidak dapat membayar tim IT, atau infrastruktur, maupun programmer untuk melakukan pembaharuan.

Dalam kasus Crowde maupun Danalaut, masalah teknis yang bermunculan saat itu adalah kendala login, penarikan dana, dan bug halaman 404.

Minim inovasi dan pengembangan produk

Untuk gejala terakhir adalah minimnya inovasi dan pengembangan produk. Sepertinya untuk kasus ini tidak hanya berlaku untuk P2P Lending tetapi untuk semua bisnis. Bisnis apapun yang stagnan, tidak pernah release produk baru, tidak ada pengembangan produk baru dan tidak pernah memberikan kejutan-kejutan untuk penggunanya bisa jadi malas berinovasi, atau memang tidak punya uang untuk inovasi.

Untuk perusahaan “malas” inovasi, ini umum ditemukan dibisnis-bisnis yang “kebarat-baratan”, contoh Whatsapp, Tinder, dan Snapchat yang selama bertahun-tahun tidak melakukan inovasi karena lebih mementingkan stabilitas. Lain halnya pada bisnis asia yang cenderung berlomba-lomba untuk mengembangkan fitur (bandingkan game Shadowverse dan Hearthstone).

Karena kita berada di Indonesia yang merupakan Asia, dan berkaca dari produk-produk lokal seperti Gojek dan Bukalapak yang setiap bulannya rilis fitur baru, maka saya rasa kultur inovasi cukup mendarah daging dalam kepemimpinan perusahaan disini.

Turnover karyawan tinggi – banyak yang keluar

Ini juga gejala penyakit yang tidak hanya berlaku untuk perusahaan p2p lending. Karyawan yang resign atau dipecat massal menandakan beberapa hal yang kurang baik:

  • Iklim kerja yang kurang kondusif sehingga menimbulkan stres
  • Kemungkinan ada hak nya yang tidak bisa dibayarkan karena perusahaan sedang kesulitan
  • Perusahaan mengurangi beban operasional dengan melakukan efisiensi
  • Banyak karyawan yang tidak bisa mencapai target – dan hal ini biasanya menandakan bahwa perusahaan mulai panik karena kehilangan penghasilan

Perlu diperhatikan, kalau setelah karyawan keluar lalu ada penggantinya, biasanya masih ok. Namun kalau justru secara total jumlah karyawannya berkurang, maka boleh jadi kekhawatiran.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

266 Comments

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  1. Hmmm, saya masih ada portfolio di MEKAR, dan dia memang masih ada pendanaan baru karena kan kerjasama dengan Koperasi. Tapi CS mereka udah ngga bisa dihubungi lagi, saya pernah email juga tidak ada jawaban. Whatsapp juga ngga centang dua. Di sisi lain, mereka kan dari group Sampoerna. Plus TKB90 masih 100% karena urusannya sama Koperasi. Menurut Mas Adrian gimana? Keep aja di sini atau mendingan cabut? Saya sih udah ngga pernah nambahin dana ya

    • Saya juga masih ada sisa dana di mekar, dan sejauh ini ga nambah lagi. Mekar ini sejak pandemi memang jadi agak kelabakan. Tapi saya ada kenalan di bank, dan mreka sedang mau jalin kerjasama dengan mekar sih. Jadi sepertinya pelayanan menurun tapi operasional masi jalan terus. Bwt perlu dibedakan ya, mekar itu milik sampoerna foundation, beda dengan hm Sampoerna yang produksi rokok

      • Iya maksudnya Sampoerna Foundation (bukan yang rokok). Hmmm, kalau bank masih mau jalin kerjasama, ya sementara masih lanjutin deh sisa dana di sana. Walau belum akan ditambah. Makasih Mas Adrian

  2. Asetku gmn bang ? Baru2 ini mrk juga menurunkan ratenya. Bahkan ada beberapa paket pendanaan yg ditiadakan.

  3. pak Adrian, tahu p2p likuidasi dari portal web mana ya ? saya cek ojk.go.id masih ada status terdaftar untuk cashwagon ya

  4. Kalo P2P konsumtif yg gak ngasih liat kuota untuk memberi pinjaman seperti Uangme & Easycash itu aman ya gk om? Kan klo Asetku seenggaknya harus berebutan buat lending. Apalagi easycash bunganya kan besar bgt tuh, saya takutnya malah jadi ponzi scheme

  5. Ternyata ini apply ke semua fintech om wkwk. Gw korban force exit Tamasia dan bener ternyata tanda-tandanya. Udh 2 mingguan gak bisa diakses, eh muncul email mereka mau tutup 🙂

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