Our Story

Pioneering the peer-to-peer lending marketplace in Indonesia. Time to get to know us better!

 

What is Investree?

Investree is an Indonesian financial technology firm with a simple mission: to act as an online marketplace which enables people with financing needs to meet with people open to lending out their money. Not only do we improve Lender's returns, we also make credit much more accessible and within reach to Borrowers.

We are driving financial inclusion through the digital space.

Indonesia is a massive market yet provides only limited access to financing. Why not offer something different?

Achieve Your Financial Goals in Much Smarter Ways

Indonesia is a big nation; a country endowed with highly promising economic potential, supported by an enormous population largely of productive age. Unfortunately, due to financial disintermediation, financial inclusion in the country has so far not yet even begun to function effectively. A large number of individuals and business actors still face difficulty in obtaining financial access, mainly in terms of information and regulation.

In response to these problems, Investree is working to develop smarter modes of access in financial services for Indonesia. By linking Lenders who want to help with lending and Borrowers looking to obtain credit online, we make lending and borrowing activities more accessible on both sides of the equation. Not stopping there, we also offer attractive returns for Lenders and competitive interest loans for Borrowers.

As a pioneering company, we serve to instill and strengthen our working principles based on values of integrity, innovation and professionalism in order to benefit stakeholders under the banner of the sharing economy —a socio-economic system that converts personal resources into opportunities for sharing. By providing and applying for loans through Investree, people can help each other achieve financial goals while simultaneously empowering the economy for the good of Indonesian society.

Regards,


Where do we make our profits?

In line with Investree's goals of ensuring openness, security and ease of access, we feel absolutely no need to hide anything, which includes information on our firm's profits. As part of the wider process, we charge Borrowers low and transparent fees on their credit allowing them access to competitive interest rates. In addition, we also do not charge Lenders additional fees on the loans they provide.

The Borrower's fee is derived from the marginal difference between the amount paid by the Borrower and the amount of profit due to the Lender, and is called the origination fee. This fee is included in the interest rate earned by the Borrower meaning the entire structure is free of any hidden charges.

 

Meet Our Team

Here is the team of professionals behind the scenes at Investree, ready and on call to help Borrowers and Lenders come together to colloborate through our mutually profitable peer-to-peer lending network.

 

Advisor Team


Muliaman Darmansyah Hadad is a former Deputy Governor of Bank Indonesia and former Chairman of the Board of Commissioners of the Financial Services Authority. Currently, he serves as Ambassador Extraordinary and Plenipotentiary for Switzerland and Liechtenstein. In addition to his official duties, he is also active in some profession related organizations, such as the Association of Indonesian Economics Graduate (ISEI), Indonesian Risk Professionals Association (IRPA), and Indonesian Banking Development Institution (LPPI). Previously, he served as Chairman of Sharia Economic Society (MES) for 3 periods from 2008 to 2017. His contribution to Indonesian economy is exceptional.

He has officially joined Senior Advisor Investree. With his in-depth knowledge and mature experience in economics and financial for decades, he will share advice on business strategy especially related to regulation and business expansion at Investree.

AH Azharuddin Lathif currently serves as Director of the Sharia Supervisory Board – The Indonesian Council of Ulama (DSN-MUI) Institute, Consultant in Legal Consultation and Legal Aid Institute (LKBH) of Sharia Faculty and Law of Syarif Hidayatullah UIN Jakarta, and Arbitrators in National Sharia Arbitration Board (Basyarnas) MUI. He is also a former Secretary of the Capital Market Division of the DSN-MUI Daily Committee (BPH) for the period of 2015 - 2017. Having completed his undergraduate and post-graduate studies in law, economics, and sharia, he now dedicates his time and effort in working to develop the concept of sharia in Indonesia.

He has officially joined as Investree Technical Advisor of Sharia Business appointed by DSN-MUI based on Recommendation Letter of Appointment of Sharia Expert Team Number U-492/DSN-MUI/VIII/2017. As a Sharia Expert Team at Investree, AH Azharuddin Lathif provides advice and guidance to Investree Syariah in conducting business in accordance with sharia principles.

 

Board of Directors


A professional banker with high level of education, entitled his International Baccalaureate from United World College of the Atlantic, Wales, United Kingdom, Master of Science in Economics from Erasmus Universiteit Rotterdam, the Netherlands, also his Master in Business Research and Doctoral in Business Administration from The University of Western Australia Business School has extensive experience in banking and financial industry. Since 1994, Amis has a very accomplished career in many strategic positions in several prominent global companies such as; British Gas PLC, Bakrie Finance Corporation, AAA Securities, Deutsche Bank AG, Nomura Singapore Ltd, and his latest position was Head of Indonesia – Wealth Management di Sumitomo Mitsui Banking Corporation in Singapore.

He has been known as a patron of humanitarian, it is his dream to establish something that would help people more developed in an economy. Through his educational background and working experience, he has learned how to make ways to support individual and small-medium enterprise to grow, which eventually become Investree, as a pioneer and leading peer-to-peer lending in Indonesia.

After finishing his undergraduate education at the University of Michigan, Ann Arbor, Dickie began his career as a Database Administrator in California before returning to Indonesia to become Regional Content Manager at Lycos Asia. Dickie became Head of the e-Channels Portal at AstraWorld responsible for managing automotive customer web content and operations for the entire Astra Group, and then went on to help build a premium SMS system for Telkomsel. Aside from working hand-on in operations, Dickie also became a Technical Advisor to several large companies, including Purple Analytics Asia Pte. Ltd. as Head of Business Development (formerly SPSS Indonesia).

Working in the IT world for the last 15 years has pushed Dickie towards embracing new challenges: finding and determining technological positions in running businesses. Relying on his expertise in maximizing the role of the Internet in creating markets, Dickie joined Investree to help add sophistication to financing activities in Indonesia to conversely make them simpler and easier to engage.

Having graduated from the University of Indonesia Faculty of Economics, and thereafter earning his MBA from the Rotterdam School of Management at Erasmus University, Adrian started his career as a Management Trainee at Citibank, before proceeding to manage Islamic Finance at Standard Chartered, Saadiq, Dubai, UAE. Eventually, he became Head of the Sharia Division at Bank Permata, and finally prior to his present job, he worked as the Director for Retail Banking at Bank Muamalat.Throughout the past 20 years in both local and international banking, Adrian has been busy building business models for banking companies within the conventional sphere in areas such as sharia finance and SME platforms, as well as in microfinance and e-banking in the retail sector.

His experience working for leading financial institutions has made Adrian see at first hand the many Indonesians who are still having difficulty in obtaining access to finance. Arising from these observations, the idea emerged to build a digital platform connecting Borrowers and Lenders which was to be named Investree.

 

Completing his bachelor's degree at the Faculty of Economics, University of Indonesia, and his MBA in Finance at IPMI Business School, Ade has been in the banking world since 2002. With great interest in the sharia banking industry and financial technology, Ade began his career at PermataBank as Management Trainee until his last position as Vice President - Head of Sharia Product Development. Then moved to Bank Muamalat as Product Manager and Bank Maybank Syariah Indonesia as Product Specialist.

Prior to becoming Chief Operations Officer at Investree, Ade held a crucial position at the Bank Tabungan Pensiunan Nasional (BTPN) Syariah as Senior Vice President - Head of Incubation Management. Ade saw that large segments of society, especially SMEs, continue to be deemed unfit to draw on banking facilities or in other words as unbankable. This was despite a considerable number of those SMEs having fully legitimate business models. Relying on his experience as a banker and his interest in technology, Ade joined Investree in order to support government programs aimed towards attaining greater financial inclusion and advancing the cause of SMEs in Indonesia.

 

Management Team


Having finished his education in Assumption University, Manila, Philippines, Amalia started her career as a professional as MIS Analyst in Citibank Indonesia, then she continued her career in several other global companies, namely; John Clement Consultant Indonesia, HSBC, Maybank Indonesia, and her last position in banking before joining Investree was in Bank Danamon Indonesia as Business Development Head – Self Employed Mass Market. From the beginning, Amalia put interest in developing lending products with technology based, which is one of the reason she wanted to join financial technology industry to grow small medium enterprise in Indonesia. Joining Investree’s management team, She brought her experience in consumer, retail, and micro for more than 12 years to elevate our products and services through risk mitigation aspects.

Anupama holds more than 9 years experience in Banking and Financial Services in India. She has worked in multiple facets of SME lending from Sales, Risk & Portfolio management, Relationship Management in private sector banks like ICICI bank & Yes Bank before spending 4 years with Deutsche Bank in Trade and Working Capital. Her passion towards innovation in lending drove her to dive into the fintech space in India with Capital Float, the leading online SME lender in India. At Capital Float she lead the B2B Ecommerce Business Development.

She is now heads product development and innovation at Investree to follow her passion of solving the ever evolving lending space in Indonesia through inclusion & innovation in thought and technology. Anupama is the holder of the prestigious Economic Times Young Leader award and holds an MBA degree.

As a graduate of the Bina Nusantara Faculty of Computer Science, Danang was always interested in technology, but instead chose to work in the financial sector. Starting his career as a Project Coordinator at Citibank, Danang then held a Business Analyst position with Manulife Financial, before becoming Senior Manager - Business & Product Development at CIMB Niaga, and later Division Head for Mobile Accounts at CIMB Niaga Corporate Partnerships.

Now at Investree, Danang is finally realizing his dream of breathing life into a prosperous economy for SMEs in Indonesia by enabling easy, fast and secure processes in finance, bolstered by the support of cutting-edge technology, in line with what has been his passion for so long.

This alumni of Management Studies from Atma Jaya Catholic University has a great interest in finance as well as building and maintaining relationships with others. It is not surprising that since the beginning of her career, Nova has taken the front desk position such as SME Account Officer at Bank Central Asia and Relationship Manager - Commercial Banking at Standard Chartered Bank.

First joined in Investree as Sr. Relationship Manager and Partnership Manager, Nova now serves as Head of Online Marketplace Alliances which has a lot to do with e-commerce partners. At Investree, Nova sees a promising future by looking at the rapidly expanding digital and financial technologies.

Salman started his career in the banking world nearly 20 years ago by joining Citibank, dealing with a number of divisions as a Relationship Manager in charge of institutional clients such as bank financial institutions, state-owned enterprises, and private national companies. In his last position, Salman served as Senior Vice President. His expertise in corporations and investment banking was developed from his experience working at Credit Suisse where his last position was as a Director in its Investment Banking Department,and as Executive Director for Investment Banking at UBS. Relying on his network, the Trisakti University Accounting graduate joined Investree to expand his business reach as well as to play a role in maximizing the function of P2P lending for society at large.

After finishing his Bachelor's degree at the Faculty of Economics, University of Indonesia and his MBA in Finance at the University of San Francisco, Adria started his career in the financial world by becoming a Business Analyst at Pacific Gas & Elector Co., San Francisco. On his return to Indonesia, he became Senior Manager - Business Development and Corporate Finance at Medco Group and later moved to Vamesa Group as Managing Director & CFO.

His interest in the fintech industry and in leveraging P2P lending made Adria eager to be part of Investree, contributing towards realization of the goal of achieving greater financial inclusion in Indonesia through the digital space.

Reza was an Information System, University of National Development alumni who has a well-recognized capabilities in the field of credit analysis and retail banking especially related to sharia banking. Started career as Business Banking Officer - Commercial Banking at Bank Mandiri Syariah, Reza then became Assistant Sales & Marketing Manager at AsiaPay and Senior Relationship Officer at Emirates Islamic.

Reza, who started his career in Investree as Senior Relationship Manager, currently serves as Head of Institutional Relationship & Sharia to realize his eagerness in reaching and bridging the financing needs of various circles who have great concern and interest in sharia finance.

Starting her career with Indosat in Marketing Communications over nearly 10 years and eventually sat as Department Head of Digital Marketing, Vari embarked on a long journey across many industries with companies ranging from domestic conglomerates to multinationals, including among them Philips Indonesia, where she was Country Internet Manager.

There, she managed to help Philips become the Social Media Award Winner 2012 from Marketing Magazine. Also a travel-blogger and part-time lecturer, her relationship with the financial world eventually deepened after working at Citibank Indonesia as Head of Marketing Communications for retail businesses and at MNC Bank as Group Head Marketing Communications. Having witnessed the rapid development of fintech and P2P lending in recent times, Vari joined Investree to help raise the public profile of both these emerging fields, aimng for greater consumer recognition and thereby wider utilization.

Fery started his career in banking as a Strategic Partnership Marketing Officer at HSBC, handling retail, personal loans and credit cards. While there, he won the Sales Championship - Regional Consumer. Thereafter, Fery held the position of Sales Manager, Bank at Work at CIMB Niaga and finally as Senior Relationship Manager, Business Banking at Emirates Islamic Bank, Dubai - prior to his current role - focusing heavily on the concept of sharia finance.

For Fery, alumnus of the University of Indonesia Faculty of Economics (undergraduate) and IPMI Business School (Masters), joining Investree presents unique challenges in proving that P2P lending can indeed offer a excellent alternative that can help advance SMEs in Indonesia.

With experience in the banking world of more than 10 years, Fauzi started his career in Bank Mandiri in Micro Credit Sales. A year later, he moved into the sharia banking industry by joining Bank Muamalat as Relationship Manager at their Pekalongan Branch.

During his time at Bank Muamalat, Fauzi filled the positions of Sub Branch Manager Sentra Menteng Bintaro, Branch Manager at Panglima Polim, and Branch Manager at Depok. According to Fauzi, fintech and P2P lending represent outstanding prospects which will help financial inclusion become a firm reality. Taking his cue from this latter perspective, he joined Investree to take part in driving the country's economy towards a better direction.



 

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