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.
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.
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.
Investree's Economic, Social & Psychological Impact on MSMEs
Tenggara Strategic's research "Beyond Lending: Building MSME Resilience in the Covid-19 Pandemic Period" shows that fintech lending companies such as Investree have had positve and significant impact on MSME during the pandemic, starting from increasing income, creating job opportunities and other things outside of the financial aspects that are equally as important. Let's find out more!
Of all micro Borrowers, 41% were able to increase their income, and 55% were able to maintain their income.
Investree encourages small and medium-sized Borrowers to create more than 2,500 jobs in times of uncertainty.
Investree increases financial inclusion for Borrowers and is a source for their first financing access
From the psychological side and improving the quality of life, Borrower felt increased self-efficacy, hope, and optimism.
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.