Frequently Asked Questions

1. Who can provide funding on Investree?

All Indonesian citizens (WNI) aged 17 and over. The validity of a person's identity is to be proven using their resident identity card (KTP) and their taxpayer identity number (NPWP).

2. What are the minimum and maximum amounts that can be lent for funding on Investree?

The minimum sum that can be deposited on Investree is quite low at just IDR 1,000,000 for an Employee Loan and IDR 5,000,000 with increments of IDR 1,000,000 for a Business Loan. This means that anyone can lend on Investree. Meanwhile, the nominal maximum sums are  IDR 50,000,000 for an Employee Loan and IDR 100,000,000 for a Business Loan on any credit funded.

3. Why are restrictions imposed on the amount of funding?

Restrictions on the amounts of loan funding are in place to encourage Lenders to diversify their funding portfolios. By spreading the investments to multiple loans, you have the opportunity to reduce the risk of loss if the Borrower fails to keep up repayments or defaults.

4. What are the costs required to be able to provide funding on Investree?

Currently there are no charges to individual Lenders in Investree. However, for Lenders who registered their bank account other than CIMB Niaga or Danamon, interbank transfer fee will be applied.

5. How does the auto-withdrawal mechanism for your idle Cash-in-Hand funds that has exceeded 2x24 hours would be carried out?

To comply with P2P Lending regulators, Investree imposes an auto-withdrawal policy for idle funds that has exceeded 2x24 hours or 2 (two) working days on your Cash-in-Hand. The refund process will be carried out every Monday, Wednesday and Friday by returning your Cash-in-Hand funds to your registered bank account. Interbank transfer fee will be applied for non CIMB Niaga or Bank Danamon registered bank account.

6. If I received a repayment on my Cash-in-Hand or adding more funds on Tuesday & Thursday, will the newly added funds be returned on Wednesday & Friday?

Any additional balance on Cash-in-Hand received by Tuesday and stay inactive for more than 2 working days, then auto-withdrawal will be done automatically by system on the following Friday. The same process will be applied when this happens on Thursday, auto-withdrawal will be automatically processed by system on the following Monday.

7. How should I optimize the usage of my Cash-in-Hand funds?

As an anticipatory step if you don’t want your CIH funds to be returned to your bank account, you may choose to use your CIH funds by lending other loans in Investree marketplace, or you may opt to buy Reksa Dana for Lender (mutual funds) through Investree platform. You will still be able to choose mutual funds when you need to provide financing to other loans in Investree marketplace.

8. When can I collect my profits?

At the end of the funding period, you will receive a repayment containing the principal (principal) and interest in your account.

9. Is it safe to provide funding through Investree?

Yes. First of all, Investree is serious in upholding the value of transparency by incorporating information about Borrowers plus the loan's terms and conditions in the marketplace.

Secondly, Investree will conduct assessment, selection, and approval on all prospective Borrowers along with their loan applications using the modern credit-scoring system, ensuring that only high-quality loans will be offered to Lenders.

Thirdly, for invoice financing products, Investree will only receive invoices from credible companies / institutions / agencies.

Fourthly, all funding traffic is managed tightly by Investree in cooperation with our partner banks.

10. Can Lenders get access  to information on Borrowers?

Investree is committed to maintaining the confidentiality of the Borrower's identity and personal data, which means only demographic and financial information will be notified to the Lender. Such information can be used to analyze the level of funding risks for the loan on offer.

11. What are the risks with lending through Investree?

While Investree takes quantifying steps to help mitigate risks during the application and loan approvals' processes, the worst 'scenario' may occur and needs to be taken into consideration. We advise you to consult a financial adviser before making any decision. The biggest risk that may occur with peer-to-peer lending is if the Lender does not receive principal funds and monthly interest due to failure of repayment.

12. What happens if the Borrower fails to keep up repayments?

To minimize the risk of default, Investree-as previously described-will conduct assessment, selection, and approval under a modern credit-scoring system against each proposed loan. Once the Lender's funds are disbursed to the Borrower, Investree will also carry out monitoring to ensure that no misuse of any funds provided takes place, and that repayments can be made on time.

If Borrower fails to keep up repayments, Investree will take immediate action to protect the Lender's interests through the disbursement of the guarantee.

13. Besides being a Lender, could I also become a Borrower?

Yes, you can.

14.  Is the interest income earned from financing loans via Investree tax free?

Interest earned by the Lender on their funding in Invoice Financing products, where the Borrower is a Limited Company (PT), is subject to tax on interest under Income Tax Article 23.

Article 23 Income Tax (PPh) refers to the tax withheld on income derived from capital, delivery of services, or gifts and rewards, other than those withheld under Income Tax Article 21.

For Lenders who earn interest on their funding in Employee Loan products, no taxes are levied on Lenders.

15. Will I be given proof of withholding tax?

Yes, you will get proof of tax withheld by the Borrower whose loan you have funded. Investree will facilitate soft copy access to any proof of tax deductions provided by  the Borrower.

16.  Who will pay my taxes? Who is obliged to pay tax on interest from financing?

In accordance with the provisions under Income Tax Article 23, any withholder of Article 23 Income Tax must be a domestic tax entity subject, where in this case the Borrower takes the form of a Limited Company.  The Borrower is therefore construed as the party under obligation to pay or to deduct tax on interest.

17. Is the withholding tax final?

No, the Article 23 Income Tax imposed on interest income is not final.

18. What is the difference between flat interest rate and effective rate at Investree?

Flat interest rate is a calculation scheme that calculates the interest portion directly from the loan principal, divided equally by the loan tenor. Meanwhile, effective interest rate is a calculation scheme that calculates the proportion of interest proportionately from the remaining principal on each installment (or in Lender’s case, remaining returns) until the end of the loan period.

For example, Lender do IDR 10,000,000 funding on each flat and effective 12%p.a. loan with 6 months tenor. You need to remember that interest rate displayed on the fact sheet is annual based, so it must be adjusted to the loan tenor itself. Then, Lender will get the following returns:

Flat Interest Rate (Per Month)
Month Principal (IDR) Return (IDR) Total Repayment (IDR)
1 1.666.667 100.000* 1.766.667
2 1.666.667 100.000 1.766.667
3 1.666.667 100.000 1.766.667
4 1.666.667 100.000 1.766.667
5 1.666.667 100.000 1.766.667
6 1.666.667 100.000 1.766.667
TOTAL 10.000.000 600.000 10.600.000**
Effective Interest Rate (Per Month)
Month Principal (IDR) Return (IDR) Total Repayment (IDR)
1 1.625.484 100.000* 1.725.484
2 1.641.739 83.745 1.725.484
3 1.658.156 67.328 1.725.484
4 1.674.737 50.746 1.725.484
5 1.691.485 33.999 1.725.484
6 1.708.400 17.084 1.725.484
TOTAL 10.000.000 352.902 10.352.902**

*) Interest calculation based on assumption that disbursement date same with the installment date, interest on first month repayment can changes following the date of loan disbursement.

**) Interest calculation doesn’t include tax on interest.


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