Review: Kapital Boost – P2P Syariah Multinasional

Review ini pertama kali dibuat pada tanggal 27 Desember 2020 dan terakhir diperbaharui tanggal 7 Juli 2021. Pihak kapital Boost sendiri pernah membaca review ini dan sudah menanggapi. Sampai saat ini saya masih menggunakan kapital Boost. Apabila pertama kali kesini, Disarankan memahami kriteria penilaian p2p lending disini sebelum membaca lebih lanjut

Portofolio Saya di Kapital Boost

Total disbursement: 62.000.000 rupiah atas 25 pinjaman

Total return: 1.230.500 rupiah

Total dana bermasalah: 0 rupiah

Siapa sih Kapital Boost?

Kapital Boost tidak mulai di Indonesia melainkan Singapura. Saya sudah tahu dan mendaftar (Januari 2019) sebelum mereka beroperasi resmi di Indonesia, namun untuk keamanan dana saya, tentu saya baru melakukan pendanaan ketika mereka sudah memiliki kantor di Indonesia serta terdaftar di OJK (November 2019). Sedangkan Kapital Boost Singapura sendiri sudah ada sejak Mei 2015.

Menariknya, Komisaris dari Kapital Boost Indonesia juga merupakan sosok kepala dari Asosiasi Fintech Syariah Indonesia. Pak Erly selaku founder adalah orang Indonesia, sedangkan co-founder bu Norliana berkebangsaan Singapura dan lebih fokus di KapitalBoost HQ di Singapura.

Soal suntikan dana, Kapitalboost berkata saat ini belum memiliki suntikan dana dari pihak manapun, namun hal tersebut sudah masuk roadmap tahun 2021.

Produk Pendanaan Kapital Boost

Kapital Boost sering menaikkan pendanaan baru, biasanya satu sampai tiga setiap minggunya. Namun, pendanaan tersebut sangat cepat sekali terpenuhi dalam waktu kurang dari setengah hari. Kapital Boost menginformasikan pendanaan baru lewat Whatsapp maupun email, jadi bila anda memang niat untuk berebutan pendanaan disini, pastikan untuk memantau kedua media tersebut agar selalu kebagian pinjaman. Belum ada metode autolending di Kapital Boost.

Peminjam di Kapital Boost

Kapital Boost fokus pada segmen UKM sehingga seluruh pendanaannya adalah pinjaman produktif. Satu hal yang saya suka dari Kapital Boost adalah banyaknya variasi dari identitas borrower. Sebagian merupakan repeat borrower (borrower yang sudah mengajukan pinjaman sebelumnya) sedangkan lainnya merupakan peminjam baru yang belum pernah meminjam sebelumnya.

Hal ini bagus karena pendana yang rewel cenderung hanya ingin mendanai peminjam yang sudah memiliki rekam jejak pembayaran baik. Di sisi lain, bila ada repeat borrower yang mendadak bermasalah, maka masih banyak pinjaman dari borrower lain yang tidak terdampak. Ingat, satu borrower bisa memiliki beberapa pendanaan di satu atau bahkan banyak p2p lending sekaligus, sehingga kalau mendadak kondisi keuangannya bermasalah, maka seluruh pinjaman tersebut bisa mendadak bermasalah. Variasi identitas peminjam dan industri sang peminjam penting untuk diversifikasi dan meminimalkan risiko.

Untuk retur sendiri diekspresikan secara final tergantung tenornya, jadi misalnya tertera retur 1.5% untuk 1 bulan, maka equivalen per tahunnya adalah 18% p.a. Retur tertinggi yang pernah saya lihat disini adalah 27% p.a, sedangkan yang terendah 13% . Tenor berkisar 1 sampai 4 bulan, dan saya belum melihat tenor yang lebih pendek ataupun lebih lama daripada range tersebut.

Likuiditas Kapital Boost

Semua p2p lending produktif seperti Kapital Boost punya ‘penyakit bawaan’ yang mengurangi likuiditas lender, yakni jeda waktu untuk menunggu pendanaan sampai terisi penuh. Namun seperti yang saya sampaikan diatas, pendanaan Kapital Boost sangat cepat terpenuhi, dan Kapital Boost hanya membutuhkan waktu 1 sampai 3 hari untuk mencairkan ke peminjam, jadi ini tidak terlalu menjadi masalah.

Sedangkan dari segi tenor banyak tersedia 1 bulan terutama dari PT. DPM yang merupakan peminjam berulang di Kapital Boost. Kedua hal tersebut menandakan likuiditas di Kapital Boost cukup baik.

Jumlah Minimal Investasi Kapital Boost

100.000 rupiah, cukup rendah. Kapital boost tidak mengenakan potongan apapun atas pengembalian pendanaan yang di transfer langsung ke rekening kita, jadi pendanaan sedikit tidak perlu khawatir bahwa returnya akan lebih kecil daripada biaya transfer.

Dampak Sosial Kapital Boost

Saya tidak melihat UKM sebagai segmen yang paling membutuhkan p2p lending. Segmen mikro tentu memiliki dampak sosial yang lebih baik, namun sebagai pendanaan produktif tentu Kapital Boost memiliki dampak sosial yang lebih baik daripada pendanaan konsumtif.

Legalitas Kapital Boost

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

Apakah Kapital Boost penipu?

Belum pernah ada laporan, berita, atau keluhan tentang pelanggaran serius yang diakibatkan oleh Kapital Boost. 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 Kapital Boost, hal tersebut sangatlah wajar karena dalam investasi P2P lending, risiko telat bayar dan gagal bayar memang ada sehingga bukan murni merupakan kesalahan Kapital Boost.

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

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

Pelayanan Kapital Boost

Saya cukup puas dengan pelayanan tim Kapital Boost di Whatsapp. Meskipun mereka tidak bersifat personal karena menyembunyikan identitas (menggunakan nama dan logo kantor), namun mereka membalas pesan saya dalam hitungan menit, secara singkat dan jelas.

Ketika pendanaan kita jatuh tempo mereka akan chat kita untuk mengirimkan bukti transfer pengembalian dana ke rekening kita, jadi kita tidak perlu repot-repot membuka website untuk mengecek sendiri.

Mitigasi Risiko Kapital Boost

Saat ini belum ada perjanjian asuransi dengan pihak manapun, namun sedang dimulai prosesnya.

Promosi dan Program Referral Kapital Boost

Program referral mereka hanya berjalan saat soft launch di Indonesia, dan sudah tidak ada lagi saat ini. Saya tidak pernah melihat promosi apapun di Kapital Boost. Wajar saja sih, tanpa promosi pun pendanaan mereka selalu penuh kok.

Catatan Lain

Saat ini Kapital Boost memperbolehkan lender bisa melihat identitas peminjam, caranya dengan melihat URL yang mengandung nama lengkap borrower atau dalam detail pendanaan. Hal ini sebenarnya dilarang OJK untuk melindungi identitas borrower, namun merupakan aspek transparansi yang sangat bagus.

Kesimpulan

Kelebihan

  • Desain website yang bersih, responsif, mudah digunakan
  • Berbagai peminjam, berbagai sektor, berbagai tenor dan berbagai return

Kekurangan

  • Pendanaan sangat cepat habis dan harus siap berebutan
  • Skema mitigasi risiko kurang jelas

Rekomendasi

Pilihan anda di segmen syariah tidak banyak. Kapital Boost sebenarnya cukup oke, tapi lama-lama membuat saya kesal karena harus berebutan mendanai.

Siapa yang Cocok Berinvestasi di Kapital Boost?

  • Investor syariah
  • Investor penyuka tenor pendek
  • Investor yang suka adrenalin berebutan pendanaan
Adrian Siaril
Adrian Siaril

The boss

Articles: 588

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