Review Tokomodal – P2P Lending Micro Tenor Singkat

Review ini dibuat pertama kali pada tanggal 1 Juli 2019 dan terakhir diperbaharui pada 7 Juli 2021. Review kali ini ditulis menggunakan informasi dari rekan saya selaku pihak yang mencoba Tokomodal serta berhasil mendanai DAN menarik dana dari Tokomodal. Saya sendiri tidak pernah kebagian pendanaan di Tokomodal sehingga tidak punya portfolio disini. Kriteria penilaian yang digunakan untuk mengulas Tokomodal dibahas lengkap di tulisan BAGAIMANA MENGEVALUASI P2P LENDING. Sebelum membaca review ini, saya merekomendasikan anda membaca tulisan tersebut supaya bisa memahami jelas kriteria yang digunakan dalam review ini.

Latar Belakang Perusahaan Tokomodal

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

Halaman FAQ di Tokomodal tidak bisa diakses sehingga saya kesulitan mempelajari latar belakangnya. Hanya tertulis bahwa nama legal mereka adalah PT Toko Modal Mitra Usaha. Tokomodal berusaha meningkatkan kredibilitas mereka dengan cara memajang foto dan nama lengkap jajaran direksi dan komisaris mereka. Saya mencoba menelusuri latar belakang orang-orang tersebut, dan kesan saya kurang meyakinkan karena hanya dua dari empat orang yang memiliki latar belakang transparan.

Tokomodal bekerjasama dengan Alfamart dalam hal menyalurkan dana, sehingga anda tidak perlu heran melihat hampir semua pinjamannya bertuliskan “Pinjaman Usaha Alfamart”. Sepemahaman saya, Alfamart memang memiliki program sosial untuk membantu pelaku usaha mikro. Nah, sepertinya Alfamart bekerjasama dengan Tokomodal untuk menghimpun modal yang akan digunakan untuk membantu para pelaku usaha mikro tersebut.

Produk Pendanaan Tokomodal

Kuantitas Pinjaman Tokomodal

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

Mirip sekali dengan Danamas dimana anda hampir tidak mungkin kebagian pinjaman karena berebutan dengan lender lainnya.

Sebenarnya jumlahnya tergolong banyak, namun masalahnya adalah plafon pinjamannya sangat kecil (umumnya dibawah Rp5 juta), sehingga satu pinjaman bisa selesai terdanai oleh satu lender saja.

Apabila anda memang seniat itu mau mendanai Tokomodal, maka harus meng-install aplikasi Tokomodal di HP anda agar bisa langsung funding ketika ada notification tentang pinjaman baru disana.

Variasi Pinjaman Tokomodal

Seperti yang saya tuliskan diatas, hampir semua pinjaman di Tokomodal merupakan hasil dari program kerjasama dengan Alfamart. Semua pinjaman yang terlihat oleh mata saya juga memiliki tenor tujuh hari dengan suku bunga 16%.

Jadi, variasi pinjaman dalam Tokomodal bisa dibilang nihil karena semua memiliki kategori sama, bunga sama, tenor sama, dan plafon yang tergolong kecil.

Jumlah Minimal Investasi Tokomodal

Rekan saya menginformasikan bahwa minimal top-up dana adalah Rp300 ribu.

Likuiditas Tokomodal

Melihat tenor pinjaman disini yang semuanya hanya berdurasi tujuh hari, tentu likuiditas luar biasa tinggi. Plafon pinjaman yang rendah juga berarti proses penggalangan dana akan selesai dalam waktu sangat singkat, sehingga dana anda tidak nganggur lama-lama sebelum diberikan kepada peminjam.

Oh iya, sama seperti Danamas, bunga pinjaman anda diterima dimuka lho 🙂

Dampak Sosial Tokomodal

Menurut saya cukup baik. Semua orang yang meminjam di Tokomodal merupakan individu-individu hasil binaan Alfamart yang merintis usaha sendiri. Dengan mendanai pinjaman mereka di Tokomodal, tentu anda secara langsung membantu penghasilan hidup mereka.

Legalitas Tokomodal

Sejauh ini kelihatan aman, karena Tokomodal telah berizin OJK.

Saya juga tidak bisa menemukan pengaduan, laporan, berita, komentar, atau cerita tentang masalah besar dalam Tokomodal. Beberapa komentar negatif yang terlihat hanya karena ada keterlambatan pembayaran pinjaman yang sebenarnya sangat normal dalam dunia P2P lending.

Apakah Tokomodal penipu? Bukan kok, tenang saja. Maaf anda telah terjebak SEO saya.

Untuk memahami peran OJK serta makna kata ‘diawasi’, baca artikel ini di poin ketiga.

RM dan Customer Service Tokomodal

Pesan melalui Whatsapp dibalas dalam hitungan menit, bahkan saat hari Sabtu sekalipun. Untuk e-mail, komunikasi dibalas dalam 30 menit-2 jam, yang menurut saya sangatlah responsif. Kualitas balasan tergolong cukup lengkap dan tidak terkesan menggunakan template otomatis, namun rekan saya berpendapat bahwa mereka harusnya lebih transparan dalam menjabarkan masalah.

Saya tidak mengetahui perihal keberadaan RM di Tokomodal, apakah ada atau tidak.

Persentase Non Performing Loan (NPL) Tokomodal

Tokomodal telah menuruti aturan OJK yang mengharuskan P2P lending memajang NPL mereka secara realtime di halaman depan website mereka. Per 1 Juli 2019, NPL Tokomodal menunjukkan 0% yang berarti tidak ada pinjaman gagal sama sekali dalam 90 hari terakhir.

Kendati demikian, rekan saya yang mencoba Tokomodal merasakan pinjaman macet meskipun hanya telat bayar selama dua minggu.

Mitigasi Risiko Tokomodal

Pendanaan anda dikenakan biaya administrasi dan asuransi, sehingga harusnya bila terjadi gagal bayar, ada perlindungan yang menjamin pokok modal anda.

Saya berkata “harusnya”, karena Tokomodal tidak menulis pernyataan kuat tentang perlindungan modal ini. Asumsi saya hanya berdasarkan pengalaman dan analisis saya.

Informasi lebih lanjut tentang penanganan gagal bayar, baca artikel ini.

Tokomodal Syariah atau Tidak?

Tidak.

Promo dan Referral Tokomodal

Tidak ada program referral.

Kesimpulan

Kelebihan Tokomodal:

  • Pinjaman dengan plafon rendah berarti mengurangi risiko dana nganggur dan mempercepat likuiditas.
  • Likuiditas yang luar biasa tinggi karena tenor yang singkat-singkat.
  • Dampak sosial yang bagus.

Kekurangan Tokomodal:

  • Latar belakang perusahaan yang tidak jelas.
  • Anda akan sangat kesulitan mendapat pinjaman disini.
  • Website dipenuhi masalah teknis.

Tokomodal memiliki keunggulan yang belum terkalahkan oleh P2P lending lainnya: likuiditas yang luar biasa tinggi.

Saya belum menemukan P2P lending produktif lain dengan likuiditas yang setinggi Tokomodal. Bahkan Danamas yang sepertinya menjadi inspirasi Tokomodal memiliki tenor dua kali lebih lama.

Apabila anda melirik P2P lending jenis konsumtif, tentu Easycash memiliki likuiditas yang lebih tinggi karena tidak memiliki tenor sama sekali, dan Asetku sayangnya sudah menghapus tenor delapan hari sehingga pilihan anda untuk likuiditas dibawah sepuluh hari tidak banyak lagi.

Siapa yang cocok berinvestasi disini?

  • Investor yang punya banyak waktu luang untuk mengawasi pinjaman baru di Tokomodal setiap saat, sehingga bisa langsung berebutan pendanaan.
  • Investor yang mau mendukung program sosial milik Alfamart.
  • Investor yang mau likuiditas sangat tinggi.

Demikian ulasan/review saya tentang Tokomodal. Semoga bisa memberi anda gambaran tentang kelebihan dan kekurangan Tokomodal, serta membantu anda menentukan apakah Tokomodal aman untuk profil risiko anda. Jangan lupa untuk membandingkan website P2P lending lainnya.

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

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