Kamus Istilah P2P Lending

AFI: Singkatan dari Asosiasi Fintech Indonesia. Organisasi yang mewadahi (namun bukan mengawasi atau mengatur) perusahaan fintech di Indonesia. Per tahun 2019, AFI memiliki subdivisi bernama AFPI (lihat dibawah) yang khusus mewadahi fintech berjenis lending (fintech kategorinya bukan hanya lending saja).

AFPI: Singkatan dari Asosiasi Fintech Pendanaan Indonesia. Sesuai yang dijelaskan diatas, merupakan organisasi yang mewadahi fintech khusus lending. AFPI memang tidak memiliki kedudukan atau otoritas setinggi OJK, namun AFPI belakangan ini berperan penting menentukan code of conduct para fintech lending, misalnya metode penagihan yang boleh dilakukan, bunga maksimal yang boleh diterapkan, dan akses data yang diperbolehkan terhadap peminjam.

Bagi Hasil: Versi syariah dari retur (lihat definisi retur dibawah).

Credit Takeover: Salah satu jenis pinjaman dimana anda mendanai pinjaman seseorang yang sebelumnya diberikan oleh institusi lain. Jadi uang anda melunasi pinjaman dia sebelumnya, dan sekarang ia berhutang pada anda. Paling umum ditemui di Aktivaku.

Consumer Loan/Lending: Jenis pendanaan dimana sang peminjam merupakan individu yang melakukan kegiatan konsumsi menggunakan uang anda, bukan perusahaan atau pelaku usaha. Cenderung memiliki bunga dan risiko yang lebih tinggi.

Consumptive Loan/lending: Sama seperti consumer loan/lending, hanya variasi penyebutan saja.

Default: Lihat definisi gagal bayar dibawah.

Effective Return: Sistem perhitungan bunga dimana porsi bunga dihitung berdasarkan jumlah pokok utang yang tersisa dari waktu ke waktu. Kebalikan dari flat return (lihat dibawah)

Contoh metode menghitung Effective return dari Akseleran
Contoh metode menghitung Effective return dari Akseleran

Endowment Fund: Istilah yang hanya digunakan oleh iGrow. Sama saja dengan provision fund (lihat definisi dibawah).

Flat Return: Jenis return yang memperhitungkan total pengembalian dana di akhir tenor (modal+keuntungan), dikurangi modal awal, lalu disetahunkan dan diekspresikan sebagai persentasse. Kebalikan dari effective return (lihat diatas).

Contoh perhitungan dari Mekar
Contoh perhitungan dari Mekar perihal effective vs flat rate. Di pengembalian akhir tanpa memperhitungkan cashback, retur yang diterima adalah 12 juta rupiah, setara dengan 12% dari modal pokok 100 juta. Karena tenor 1 tahun maka bunga flat nya adalah 12 persen.

Fact Sheet: Dokumen yang menjabarkan informasi tentang produk pinjaman yang akan kita danai, seperti kondisi keuangan peminjam, bidang usaha peminjam, potensi keuntungan, penjabaran risiko, dan lainnya.

Fintech: Singkatan dari financial technology. Perusahaan tekfin.

Gagal Bayar: Pinjaman yang anda danai tidak bisa dilunasi oleh sang peminjam. Modal anda bisa hilang sebagian atau seluruhnya, dan bunga nya bisa saja sudah dilunasi sebagian atau seluruhnya. Ketentuan OJK saat ini mengharuskan pinjaman yang macet lebih dari 90 hari dianggap gagal bayar.

Inventory Financing: Jenis pinjaman dimana anda mendanai suatu perusahaan untuk membeli persediaan barang yang akan dijual kembali. Seringkali pembelian ini sudah memiliki pembeli pasti, namun ada kalanya belum tentu akan dibeli dalam waktu sangkat. Itu sebabnya inventory financing di P2P lending biasa memiliki tenor lebih lama dan lebih berisiko. Sekalipun suatu inventory sudah memiliki pembelian yang dijadwalkan kita juga harus ingat bahwa mungkin saja pembelinya mundur dan tidak jadi membeli.

Invoice Financing: Jenis pinjaman dimana anda mendanai pinjaman yang diajukan oleh perusahaan. Perusahaan peminjam ini memiliki piutang/tagihan kepada perusahaan lain yang belum dibayarkan kepada mereka. Tagihan/piutang tersebutlah yang menjadi jaminan pinjaman anda serta menentukan besarnya pinjaman yang bisa diajukan serta tenornya. Misalnya, perusahaan A memiliki piutang yang belum dibayarkan perusahaan B sebesar Rp50 juta. Perusahaan B akan melunasi tagihan tersebut dalam 20 hari. Perusahaan A membutuhkan uang untuk keperluan lain yang mendesak, sehingga meminjam 40 juta rupiah ke P2P lending dengan tenor satu bulan. Setelah perusahaan B melunasi tagihan perusahaan A, maka perusahaan A akan melunasi invoice financing kepada sang P2P lending. Invoice financing merupakan bentuk pinjaman yang paling umum ditemui di sektor lending produktif, serta cenderung aman dan memiliki tenor pendek. Risiko Invoice Financing adalah bila piutang perusahaan A tidak kunjung dibayarkan oleh perusahaan B.

IRR (Internal Rate of Return): Mirip dengan return, namun mempertimbangkan pergerakan uang dari saat anda mulai mendanai sampai dengan uang diterima kembali oleh anda. Biasanya IRR lebih kecil daripada retur yang tertulis karena P2P lending membutuhkan waktu untuk menggalang dana, mencairkan dana ke peminjam, dan mengembalikan dana ke anda setelah pinjaman jatuh tempo. IRR cenderung lebih berdampak ke lending produktif dibandingkan konsumtif, karena lending produktif memiliki proses pendanaan yang lebih kompleks.

Likuiditas: Tidak hanya eksklusif di P2P lending namun semua aset investasi. Seberapa cepat uang yang anda investasikan bisa digunakan kembali.

OJK: Otoritas jasa keuangan. Badan resmi di Indonesia yang ditugasi pemerintah untuk mengawasi dan mengatur berbagai institusi finansial seperti P2P lending maupun fintech lainnya.

NPL: Singkatan dari non performing loan, yaitu persentase pinjaman yang macet dan gagal bayar. Semakin besar angka NPL, semakin menghawatirkan reputasi sebuah P2P lending.

Pinjaman UMKM: Salah satu jenis pinjaman dimana uang anda digunakan oleh peminjam untuk melakukan usaha mikro atau usaha kecil, misalnya modal usaha (Mekar) atau membuka warung (Amartha). Umumnya memiliki tenor lebih panjang dan bunga yang lebih kecil, namun memiliki dampak sosial tinggi.

Productive Lending: Salah satu sektor lending dimana uang pinjaman digunakan untuk melakukan sesuatu yang produktif seperti membuka usaha.

Proteksi Modal: Suatu kebijakan yang diterapkan beberapa P2P lending untuk melindungi modal pendana apabila terjadi gagal bayar. Proteksi modal sepenuhnya menjadi kebijakan masing-masing P2P lending dan tidak diwajibkan ataupun dikontrol oleh badan apapun, berbeda dengan misalnya deposito yang dijamin oleh Lembaga Penjamin Simpanan.

Provision Fund: Sama dengan proteksi modal diatas. Namun bila tertulis metode perlindungan adalah provision fund dan endowment fund, maka P2P Lending tersebut berinisiatif menyisihkan pendapatan mereka yang dapat digunakan untuk menggantikan kerugian modal pendana. Jenis proteksi modal yang lainnya adalah dengan menggunakan asuransi.

Tenor: Jenjang waktu sampai suatu pinjaman jatuh tempo – alias uang pendanaan anda kembali bisa digunakan oleh anda

TKB90: Total pinjaman macet diatas 90 hari dibagi dengan total outstanding dikali 100, diekspresikan dalam persen. Pinjaman yang macetnya belum 90 hari tidak akan berkontribusi pada angka TKB90 ini.

TKB total: Bilamana TKB90 memperhitungkan pinjaman macet dibagi dengan outstanding, maka TKB total memperhitungkan pinjaman macet dibagi dengan total disbursement.

TKW90: TKW90 atau yang lebih dikenal oleh masyarakat dengan non performing loan (NPL) atau gagal bayar adalah ukuran tingkat wanprestasi atau kelalaian penyelesaian kewajiban di atas 90 hari sejak tanggal jatuh tempo. TKW90 dihitung dari outstanding wanprestasi di atas 90 hari dibagi dengan total outstanding, dikali 100%. (Sumber dari blog Amartha)

TWP90: TWP90 adalah ukuran tingkat wanprestasi atau kelalaian penyelesaian kewajiban yang tertera dalam perjanjian sampai dengan 90 hari sejak tanggal jatuh tempo (sumber dari Klikacc). Apabila sudah lewat 90 hari maka m

RM (Relationship Manager): Staf P2P lending yang bertugas menjaga relasi baik dengan para pendana, dengan cara menginformasikan promosi, memberi edukasi, dan memberikan apresiasi. P2P lending yang baik biasanya memiliki tim RM yang oke.

Retur/Return: Bunga pinjaman yang diterima oleh pendana, ditulis dalam bentuk persentase. Dalam pendanaan syariah, istilahnya menjadi bagi hasil. Sama saja dengan bunga bank atau dividen saham.

Adrian Siaril
Adrian Siaril

The boss

Articles: 599

365 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.

    • betul sekali pak, hanya perbedaan istilah saja, namun pada prinsipnya sama yaitu dana yang dikeluarkan p2p lending untuk menalangi kerugian lender bila terjadi gagal bayar

  1. Thank you for every other informative website. The place else may I get that type of info written in such an ideal means? I’ve a undertaking that I’m just now working on, and I have been at the glance out for such information.|

  2. Thank you for another wonderful article. The place else may anyone get that kind of information in such a perfect method of writing? I’ve a presentation subsequent week, and I’m on the look for such info.|

  3. Just desire to say your article is as amazing. The clarity to your publish is simply cool and that i could assume you’re knowledgeable on this subject. Fine with your permission let me to snatch your feed to stay updated with impending post. Thank you one million and please carry on the gratifying work.|

  4. I’m not sure where you’re getting your information, but good topic. I needs to spend some time learning much more or understanding more. Thanks for great information I was looking for this info for my mission.|

  5. I like the valuable info you provide for your articles. I’ll bookmark your blog and check once more here regularly. I am reasonably certain I will be told a lot of new stuff proper right here! Good luck for the following!|

  6. A fascinating discussion is worth comment. I do think that you need to write more on this subject, it may not be a taboo matter but usually folks don’t discuss such issues. To the next! Many thanks!!|

  7. Wow, awesome blog format! How lengthy have you ever been blogging for? you make blogging look easy. The full look of your web site is magnificent, as smartly as the content material!

  8. We’re a group of volunteers and starting a brand new scheme in our community. Your website offered us with helpful information to work on. You’ve performed an impressive process and our entire group will be grateful to you.|

  9. I was curious if you ever thought of changing the structure of your site? 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 1 or 2 pictures. Maybe you could space it out better?|

  10. You really make it appear really easy along with your presentation but I in finding this matter to be really one thing which I believe I would never understand. It kind of feels too complex and extremely large for me. I am having a look forward on your subsequent submit, I¦ll attempt to get the cling of it!

  11. That is really fascinating, You’re a very skilled blogger. I have joined your rss feed and stay up for seeking more of your excellent post. Also, I’ve shared your web site in my social networks|

  12. Good way of describing, and pleasant piece of writing to take information on the topic of my presentation topic, which i am going to deliver in university.|

  13. Hello! Do you know if they make any plugins to safeguard against hackers? I’m kinda paranoid about losing everything I’ve worked hard on. Any recommendations?|

  14. constantly i used to read smaller content which also clear their motive, and that is also happening with this article which I am reading at this time.|

  15. Unquestionably believe that which you said. Your favourite justification appeared to be on the web the easiest factor to consider of. I say to you, I certainly get annoyed whilst people think about issues that they just do not recognize about. You managed to hit the nail upon the highest as smartly as outlined out the entire thing with no need side effect , other people can take a signal. Will probably be back to get more. Thank you|

  16. After going over a few of the blog posts on your web site, I honestly like your technique of writing a blog. I saved it to my bookmark webpage list and will be checking back soon. Please check out my website too and tell me how you feel.|

  17. Wow, wonderful blog layout! How long have you been blogging for? you made blogging look easy. The overall look of your website is wonderful, let alone the content!|

  18. With havin so much written content do you ever run into any issues of plagorism or copyright infringement? My website has a lot of exclusive content I’ve either authored myself or outsourced but it appears a lot of it is popping it up all over the web without my permission. Do you know any ways to help protect against content from being stolen? I’d certainly appreciate it.|

  19. Please let me know if you’re looking for a writer for your weblog. You have some really good posts and I believe I would be a good asset. If you ever want to take some of the load off, I’d absolutely love to write some material for your blog in exchange for a link back to mine. Please shoot me an email if interested. Thanks!|

  20. I must thank you for the efforts you’ve put in writing this website. I am hoping to view the same high-grade content from you in the future as well. In fact, your creative writing abilities has inspired me to get my own website now ;)|

  21. After checking out a handful of the blog articles on your site, I really like your way of blogging. I book-marked it to my bookmark website list and will be checking back in the near future. Take a look at my website too and tell me how you feel.|

  22. Excellent goods from you, man. I’ve bear in mind your stuff previous to and you are just extremely excellent. I really like what you have got here, really like what you’re stating and the way during which you say it. You make it enjoyable and you still take care of to stay it smart. I cant wait to learn much more from you. This is actually a wonderful site.|

  23. 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.

  24. 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.

  25. I’m extremely impressed along with your writing skills as smartly as with the format on your weblog. Is that this a paid theme or did you customize it yourself? Anyway stay up the excellent quality writing, it is rare to look a nice blog like this one these days..

  26. Nice post. I was checking constantly this blog and I’m impressed! Very useful information specially the last part 🙂 I care for such information much. I was seeking this certain information for a very long time. Thank you and good luck.

  27. 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/

  28. Boostaro increases blood flow to the reproductive organs, leading to stronger and more vibrant erections. It provides a powerful boost that can make you feel like you’ve unlocked the secret to firm erections, youthful vigor, and satisfying sexual experiences. https://boostarobuynow.us/

  29. Exceptional post however I was wondering if you could write a litte more on this subject? I’d be very grateful if you could elaborate a little bit further. Appreciate it!|

  30. Impressive work! The article is both informative and well-articulated. Have you considered adding more visuals in your future articles? It could enhance the overall reader experience.

  31. 🌌 Wow, blog ini seperti roket meluncur ke galaksi dari keajaiban! 💫 Konten yang menarik di sini adalah perjalanan rollercoaster yang mendebarkan bagi pikiran, memicu kagum setiap saat. 💫 Baik itu inspirasi, blog ini adalah sumber wawasan yang mendebarkan! 🌟 🚀 ke dalam perjalanan kosmik ini dari pengetahuan dan biarkan imajinasi Anda berkelana! ✨ Jangan hanya mengeksplorasi, rasakan kegembiraan ini! #MelampauiBiasa 🚀 akan berterima kasih untuk perjalanan mendebarkan ini melalui dimensi keajaiban yang menakjubkan! ✨

  32. Hello would you mind stating which blog platform you’re using? I’m going to start my own blog soon but I’m having a difficult time deciding between BlogEngine/Wordpress/B2evolution and Drupal. The reason I ask is because your layout seems different then most blogs and I’m looking for something unique. P.S Sorry for getting off-topic but I had to ask!|

  33. 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/

  34. I played on this casino platform and managed a substantial amount, but later, my mom fell sick, and I required to take out some money from my account. Unfortunately, I encountered problems and could not complete the withdrawal. Tragically, my mother died due to this casino site. I plead for your assistance in reporting this website. Please help me to obtain justice, so that others do not face the suffering I am going through today, and stop them from crying tears like mine. 😭😭😭�

  35. Howdy! This is my 1st comment here so I just wanted to give a quick shout out and tell you I really enjoy reading your articles. Can you recommend any other blogs/websites/forums that cover the same subjects? Thank you so much!|

  36. Simply wish to say your article is as surprising. The clearness in your post is simply nice and i could assume you’re an expert on this subject. Fine with your permission allow me to grab your feed to keep updated with forthcoming post. Thanks a million and please carry on the rewarding work.|

  37. Excellent beat ! I wish to apprentice at the same time as you amend your web site, how could i subscribe for a weblog site? The account helped me a applicable deal. I had been a little bit acquainted of this your broadcast provided brilliant clear concept|

  38. I absolutely love your blog and find almost all of your post’s to be just what I’m looking for. Would you offer guest writers to write content for you personally? I wouldn’t mind composing a post or elaborating on some of the subjects you write regarding here. Again, awesome weblog!|

  39. Greetings from California! I’m bored to death at work so I decided to check out your blog on my iphone during lunch break. I enjoy the info you provide here and can’t wait to take a look when I get home. I’m shocked at how fast your blog loaded on my phone .. I’m not even using WIFI, just 3G .. Anyways, amazing site!|

  40. I engaged on this gambling website and succeeded a substantial sum of money, but after some time, my mother fell sick, and I needed to cash out some money from my balance. Unfortunately, I encountered issues and couldn’t complete the withdrawal. Tragically, my mother passed away due to this gambling platform. I plead for your support in lodging a complaint against this online casino. Please help me to achieve justice, so that others do not face the suffering I am going through today, and avert them from shedding tears like mine. 😭😭😭�

  41. I played on this online casino site and succeeded a substantial sum of money, but later, my mom fell ill, and I needed to cash out some earnings from my casino account. Unfortunately, I encountered issues and could not complete the withdrawal. Tragically, my mother died due to such gambling platform. I implore for your help in bringing attention to this website. Please help me in seeking justice, so that others do not experience the hardship I am going through today, and avert them from shedding tears like mine. 😭😭😭😭😭😭😭😭😭😭

  42. Every weekend i used to pay a quick visit this web page, as i wish for enjoyment, for the reason that this this web page conations actually nice funny stuff too.|

  43. 🚀 Wow, this blog is like a cosmic journey launching into the galaxy of excitement! 🎢 The thrilling content here is a captivating for the imagination, sparking curiosity at every turn. 🎢 Whether it’s technology, this blog is a source of inspiring insights! #InfinitePossibilities 🚀 into this cosmic journey of discovery and let your thoughts roam! 🌈 Don’t just explore, immerse yourself in the thrill! #BeyondTheOrdinary Your brain will be grateful for this exciting journey through the dimensions of endless wonder! ✨

  44. I’m really enjoying the design and layout of your site. 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 developer to create your theme? Fantastic work!|

  45. Having read this I believed it was rather informative. I appreciate you finding the time and energy to put this informative article together. I once again find myself personally spending way too much time both reading and commenting. But so what, it was still worthwhile!|

  46. Its such as you learn my mind! You appear to grasp a lot about this, like you wrote the ebook in it or something. I think that you simply can do with a few p.c. to force the message home a bit, but other than that, this is wonderful blog. A fantastic read. I’ll certainly be back.|

  47. I engaged in this online casino platform and achieved a significant sum of money. However, later on, my mother fell became very sick, and I wanted to cash out some funds from my casino account. Regrettably, I faced problems and could not finalize the cashout. Tragically, my mom passed away due to this online casino. I plead for your assistance in bringing attention to this website. Please aid me in seeking justice, so that others won’t have to the pain and suffering I’m going through today, and prevent them from going through the same heartache. 😢😢😢

  48. I am really enjoying the theme/design of your weblog. Do you ever run into any browser compatibility problems? A couple of my blog visitors have complained about my blog not working correctly in Explorer but looks great in Firefox. Do you have any solutions to help fix this issue?|

  49. I played on this gambling website and won a significant cash, but eventually, my mom fell sick, and I required to withdraw some funds from my account. Unfortunately, I faced issues and could not complete the withdrawal. Tragically, my mom died due to such online casino. I plead for your help in lodging a complaint against this site. Please help me to obtain justice, so that others won’t have to face the pain I am going through today, and avert them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  50. Il est très difficile de lire les e-mails d’autres personnes sur l’ordinateur sans connaître le mot de passe. Mais même si Gmail offre une sécurité élevée, les gens savent comment pirater secrètement un compte Gmail. Nous partagerons quelques articles sur le cracking de Gmail, le piratage secret de n’importe quel compte Gmail sans en connaître un mot.

  51. I played on this gambling website and succeeded a substantial sum of money, but after some time, my mother fell ill, and I required to withdraw some money from my balance. Unfortunately, I faced difficulties and was unable to withdraw the funds. Tragically, my mother died due to the online casino. I plead for your help in lodging a complaint against this site. Please help me to achieve justice, so that others won’t experience the hardship I am going through today, and prevent them from crying tears like mine. 😭😭😭😭😭😭😭😭😭😭

  52. Pretty section of content. I just stumbled upon your website and in accession capital to assert that I get in fact enjoyed account your blog posts. Anyway I will be subscribing to your augment and even I achievement you access consistently fast.|

  53. I participated on this casino website and earned a substantial pile of cash, but after some time, my mom became sick, and I needed to withdraw some funds from my account. Unfortunately, I faced issues and was unable to finalize the cashout. Tragically, my mom passed away as a result of the gambling platform. I implore for your assistance in addressing this concern with the platform. Please aid me in seeking justice, so that others don’t have to face the pain I’m going through today, and avert them from experiencing the same heartache. 😭😭😭😭

  54. I engaged on this casino website and scored a significant cash prize. However, later, my mom fell ill, and I required to withdraw some money from my casino balance. Unfortunately, I encountered difficulties and could not complete the withdrawal. Tragically, my mother died due to the casino site. I implore for your assistance in reporting this matter with the online casino. Please assist me in seeking justice, to ensure others won’t have to suffer the hardship I’m facing today, and prevent them from facing the same heartbreak. 😭😭😭😭😭😭😭😭😭😭

  55. I engaged on this online casino platform and secured a significant money win. However, eventually, my mother fell seriously sick, and I wanted to withdraw some funds from my wallet. Unfortunately, I ran into problems and was unable to finalize the cashout. Tragically, my mom died due to this online casino. I earnestly request your assistance in addressing this situation with the online casino. Please aid me to obtain justice, to ensure others won’t have to suffer the hardship I’m facing today, and prevent them from experiencing similar misfortune. 😭😭😭😭😭

  56. I tried my luck on this casino website and won a considerable amount of money. However, afterward, my mother fell critically sick, and I wanted to withdraw some funds from my account. Unfortunately, I faced difficulties and couldn’t complete the withdrawal. Tragically, my mom died due to such gambling platform. I earnestly ask for your support in reporting this situation with the site. Please help me in seeking justice, to ensure others do not experience the pain I’m facing today, and prevent them from experiencing similar tragedy. 😭😭

  57. I participated on this casino website and earned a significant sum of cash. However, later on, my mother fell seriously sick, and I needed to take out some earnings from my casino balance. Unfortunately, I experienced problems and couldn’t withdraw the funds. Tragically, my mother passed away due to this online casino. I urgently request your help in reporting this concern with the site. Please help me in seeking justice, to ensure others won’t have to face the anguish I’m facing today, and prevent them from undergoing similar misfortune. 😭😭

  58. I tried my luck on this gambling site and secured a considerable sum of earnings. However, later on, my mom fell gravely sick, and I wanted to take out some earnings from my casino balance. Unfortunately, I encountered issues and could not withdraw the funds. Tragically, my mother died due to this online casino. I urgently plead for your support in reporting this issue with the platform. Please aid me in seeking justice, to ensure others won’t endure the pain I’m facing today, and stop them from undergoing similar misfortune. 😭😭

  59. I participated on this gambling site and secured a substantial sum of money. However, afterward, my mom fell gravely sick, and I needed to withdraw some funds from my wallet. Unfortunately, I faced issues and was unable to withdraw the funds. Tragically, my mother passed away due to this casino site. I earnestly ask for your assistance in bringing attention to this concern with the site. Please aid me in seeking justice, to ensure others do not endure the anguish I’m facing today, and prevent them from facing similar misfortune. 😭😭

  60. I participated on this gambling site and won a significant amount of earnings. However, eventually, my mom fell gravely ill, and I required to cash out some funds from my account. Unfortunately, I faced issues and could not finalize the cashout. Tragically, my mother passed away due to this online casino. I urgently ask for your help in reporting this concern with the platform. Please aid me to find justice, to ensure others won’t have to experience the hardship I’m facing today, and avert them from facing similar heartache. 😭😭

  61. I played on this casino website and won a considerable pile of cash. However, later on, my mom fell seriously sick, and I wanted to cash out some money from my wallet. Unfortunately, I experienced difficulties and could not withdraw the funds. Tragically, my mother passed away due to the casino site. I earnestly request your help in bringing attention to this situation with the site. Please help me in seeking justice, to ensure others do not endure the anguish I’m facing today, and avert them from facing similar tragedy. 😭😭

  62. I participated on this gambling site and secured a significant pile of money. However, later on, my mother fell critically ill, and I required to withdraw some funds from my account. Unfortunately, I experienced difficulties and couldn’t withdraw the funds. Tragically, my mom died due to the casino site. I urgently request your help in bringing attention to this issue with the online casino. Please assist me to obtain justice, to ensure others do not endure the pain I’m facing today, and avert them from experiencing similar misfortune. 😭😭

  63. I played on this online casino platform and secured a significant pile of cash. However, later on, my mom fell gravely ill, and I needed to take out some earnings from my account. Unfortunately, I faced problems and could not withdraw the funds. Tragically, my mother died due to such casino site. I earnestly plead for your help in reporting this situation with the online casino. Please help me to find justice, to ensure others do not endure the pain I’m facing today, and stop them from experiencing similar misfortune. 😭😭

  64. Greetings from California! I’m bored to death at work so I decided to check out your blog on my iphone during lunch break. I really like the information you provide here and can’t wait to take a look when I get home. I’m surprised at how quick your blog loaded on my cell phone .. I’m not even using WIFI, just 3G .. Anyways, great blog!|

  65. I played on this gambling site and earned a significant pile of cash. However, later on, my mother fell seriously ill, and I needed to cash out some money from my casino balance. Unfortunately, I encountered issues and couldn’t finalize the cashout. Tragically, my mom passed away due to this online casino. I kindly ask for your help in bringing attention to this concern with the platform. Please assist me to find justice, to ensure others won’t face the anguish I’m facing today, and prevent them from facing similar misfortune. 😭😭

  66. Incredible, you’ve knocked it out of the park this time! Your commitment to excellence is evident in every aspect of this work. I just had to take a moment to express my gratitude for creating such amazing work with us. You are exceptionally talented and dedicated. Keep up the incredible work! 🌟👏👍

  67. Absolutely fantastic, you’ve done an exceptional job this time! Your dedication and effort are evident in every detail of this work. I simply had to thank you for sharing such amazing content with us. You have an incredible talent and dedication. Keep up the awesome work! 🌟👏👍

  68. Can I simply just say what a relief to discover someone that really knows what they’re talking about over the internet. You certainly know how to bring an issue to light and make it important. More and more people have to look at this and understand this side of the story. It’s surprising you are not more popular since you definitely possess the gift.|

  69. Hey I know this is off topic but I was wondering if you knew of any widgets I could add to my blog that automatically tweet my newest twitter updates. I’ve been looking for a plug-in like this for quite some time and was hoping maybe you would have some experience with something like this. Please let me know if you run into anything. I truly enjoy reading your blog and I look forward to your new updates.|

  70. I don’t know whether it’s just me or if perhaps everybody else experiencing issues with your blog. It appears as though some of the written text on your content are running off the screen. Can somebody else please provide feedback and let me know if this is happening to them too? This might be a issue with my web browser because I’ve had this happen previously. Kudos|

  71. 🌌 Wow, this blog is like a fantastic adventure launching into the universe of excitement! 🌌 The captivating content here is a captivating for the imagination, sparking curiosity at every turn. 💫 Whether it’s technology, this blog is a source of exciting insights! #MindBlown Dive into this thrilling experience of knowledge and let your imagination roam! 🚀 Don’t just read, immerse yourself in the excitement! #FuelForThought Your brain will be grateful for this thrilling joyride through the realms of awe! 🚀

  72. A lot of thanks for all of your work on this blog. Kate really loves working on research and it’s easy to see why. Most of us notice all regarding the compelling form you give practical tips by means of this blog and attract participation from the others about this topic plus our girl is certainly studying a whole lot. Take advantage of the rest of the year. You are carrying out a tremendous job.

  73. When I originally commented I clicked the “Notify me when new comments are added” checkbox and now each time a comment is added I get four emails with the same comment. Is there any way you can remove me from that service? Bless you!|

  74. Wow, you’ve really outdone yourself this time! Your effort and dedication shine through in every aspect of this content. I simply had to thank you for sharing such fantastic content with us. You are incredibly talented and dedicated. Keep up the amazing work! 🌟👏👍

  75. Wow, you’ve truly surpassed expectations this time! Your effort and creativity are truly commendable of this content. I couldn’t resist expressing my gratitude for sharing such outstanding content with us. Your talent and dedication are truly exceptional. Keep up the incredible work! 🌟👏👍

  76. Incredible, you’ve done an incredible job this time! Your dedication and effort are evident in every detail of this content. I simply had to thank you for bringing such incredible content with us. Your talent and dedication are truly exceptional. Keep up the outstanding work! 🌟👏👍

  77. This is amazing, you’ve truly surpassed expectations this time! Your dedication and creativity are truly admirable of this piece. I couldn’t resist expressing my gratitude for creating such incredible work with us. Your dedication and talent are truly remarkable. Keep up the fantastic work! 🌟👏👍

  78. Incredible, you’ve knocked it out of the park this time! Your commitment to excellence is evident in every aspect of this work. I simply had to thank you for sharing such awesome work with us. You are incredibly talented and dedicated. Keep up the fantastic work! 🌟👏👍

  79. Wow, you’ve knocked it out of the park this time! Your effort and dedication shine through in every aspect of this work. I couldn’t resist expressing my gratitude for bringing such outstanding work with us. Your talent and dedication are truly exceptional. Keep up the outstanding work! 🌟👏👍

  80. Absolutely fantastic, you’ve done an incredible job this time! Your dedication and effort are evident in every detail of this piece. I couldn’t help but express my appreciation for bringing such incredible content with us. Your talent and dedication are truly exceptional. Keep up the outstanding work! 🌟👏👍

  81. Absolutely fantastic, you’ve done an incredible job this time! Your effort and dedication shine through in every aspect of this work. I simply had to thank you for sharing such fantastic content with us. You are exceptionally talented and dedicated. Keep up the outstanding work! 🌟👏👍

  82. Absolutely fantastic, you’ve knocked it out of the park this time! Your effort and dedication shine through in every aspect of this content. I simply had to thank you for producing such amazing content with us. You have an incredible talent and dedication. Keep up the excellent work! 🌟👏👍

  83. Incredible, you’ve done an outstanding job this time! Your effort and dedication shine through in every aspect of this work. I just had to take a moment to express my gratitude for producing such outstanding work with us. Your talent and dedication are truly admirable. Keep up the excellent work! 🌟👏👍

  84. Incredible, you’ve truly surpassed expectations this time! Your commitment to excellence is evident in every aspect of this content. I just had to take a moment to express my gratitude for sharing such outstanding content with us. You are exceptionally talented and dedicated. Keep up the amazing work! 🌟👏👍

  85. Incredible, you’ve really outdone yourself this time! Your dedication and creativity are truly admirable of this work. I just had to take a moment to express my gratitude for producing such outstanding content with us. You are incredibly talented and dedicated. Keep up the excellent work! 🌟👏👍

  86. Oh my goodness, you’ve done an incredible job this time! Your dedication and effort are evident in every detail of this work. I simply had to thank you for sharing such outstanding content with us. You are incredibly talented and dedicated. Keep up the excellent work! 🌟👏👍

  87. Incredible, you’ve knocked it out of the park this time! Your hard work and creativity are truly inspiring of this content. I just had to take a moment to express my gratitude for sharing such fantastic content with us. Your talent and dedication are truly admirable. Keep up the excellent work! 🌟👏👍

  88. Please let me know if you’re looking for a article author for your site. You have some really good posts 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 content for your blog in exchange for a link back to mine. Please send me an email if interested. Regards!|

  89. Hey there this is somewhat of off topic but I was wanting to know if blogs use WYSIWYG editors or if you have to manually code with HTML. I’m starting a blog soon but have no coding knowledge so I wanted to get advice from someone with experience. Any help would be greatly appreciated!|