Schema ID : CWD200040004

Closing Funding Period : 8 Sep 2018

Schema Start Date : 11 Sep 2018

First Repayment Date : 15 Oct 2018

Schema Factsheet

Schema Overview

Amount IDR 1,500,000,000 Type Promissory note

Tenor (month) 12 Loan Purpose Working Capital

Interest Return (eff. p.a) 26.0%

Frequency Monthly Investor Return

Type of Protection Personal Guarantee Investor Fee 0

Tier C Loan Net Return % (eff p.a.) 26.0%

Loan Net Return % (flat p.a.) 14,64%

Monthly Returned Amount IDR 143,295,209

Protection

Type of Protection Personal Guarantee

Description 1. Secure payment to Crowdo Danamon Virtual Account from the Clients.
2. Notarized Personal Guarantee of President Director for not less than loan
outstanding.
3. Notarized Fiduciary Transfer Ownership for Receivables not less 125% than loan
outstanding.
4. 12 Post Dated Cheques/Bilyet Giro.

Company Details

Type of incorporation Private Limited Company

Year of incorporation 2013

Industry sector Mining & Metals

City Jakarta Selatan

Country Indonesia

Number of directors 2

Number of shareholders 3

Number of employees 60
Business Overview Established in 2013, the company specialized in provides material infrastructure
particularly split rocks, boulder, sand and soil. Company have 2 (two) quarry in
Bengkulu & Kulon Progo, Central Java with total estimated deposit capacity around
1.000.000 m3. In 2017 borrower expanded their business from retail customers to SOE
Company and Multinational Company. In second Semester of 2018, company is dealing
a contract with one of SOE Company to supply sand to Jabodetabek Area for 100.000
m3 per month.

Company Litigation None

Director Litigation None

Main Suppliers Top Suppliers

-

Main Customers Top 5 Customers:

1. PT. Ikon Mandiri
2. PT. Waskita Beton Precast
3. HK Matra
4. PT. Tunas Perkasa Mandiri
5. PT. Tongkak Ampuh

Repayment Schedule (IDR)

Month Principal Interest Instalment Balance

1st IDR 110,795,209 IDR 32,500,000 IDR 143,295,209 IDR 1,500,000,000

2nd IDR 113,195,771 IDR 30,099,437 IDR 143,295,209 IDR 1,389,204,792

3rd IDR 115,648,346 IDR 27,646,862 IDR 143,295,209 IDR 1,276,009,020

4th IDR 118,154,061 IDR 25,141,148 IDR 143,295,209 IDR 1,160,360,674

5th IDR 120,714,065 IDR 22,581,143 IDR 143,295,209 IDR 1,042,206,613

6th IDR 123,329,537 IDR 19,965,672 IDR 143,295,209 IDR 921,492,548

7th IDR 126,001,677 IDR 17,293,532 IDR 143,295,209 IDR 798,163,011

8th IDR 128,731,713 IDR 14,563,496 IDR 143,295,209 IDR 672,161,335

9th IDR 131,520,900 IDR 11,774,308 IDR 143,295,209 IDR 543,429,622

10th IDR 134,370,520 IDR 8,924,689 IDR 143,295,209 IDR 411,908,722

11th IDR 137,281,881 IDR 6,013,328 IDR 143,295,209 IDR 277,538,202

12th IDR 140,256,322 IDR 3,038,887 IDR 143,295,209 IDR 140,256,322

Total IDR 1,500,000,000 IDR 219,542,502 IDR 1,719,542,502

Last Financial Year Information

Average Monthly Revenue IDR 2,190,000,000

Last Financial Year Revenue IDR 26,333,501,187

Total Assets IDR 22,188,480,300

Total Liabilities IDR 5,947,991,960

Loans 1. BRI - Revolving - IDR3.500.000.000,-
2. Bank Mega - Revolving - IDR1.500.000.000,-
3. Bank Mega - Investment - IDR900.000.000,-

Credit Facility None

Profit & Loss

2016.0 2017.0

Revenue IDR 17,407,617,519 IDR 26,333,501,187

Cost of sales IDR 12,185,332,263 IDR 18,418,515,819

Gross profit IDR 5,222,285,256 IDR 7,914,985,368

EBIT IDR 2,184,027,759 IDR 4,194,624,698

Income Taxes IDR 0 IDR 0

Net Profit (Loss) for the year IDR 1,628,772,195 IDR 3,639,369,134

Balance Sheet

2016 2017

Fixed Asset IDR 10,076,402,419 IDR 10,623,873,024

Current Asset IDR 7,043,130,747 IDR 11,564,607,276

Total Asset IDR 17,119,533,166 IDR 22,188,480,300

Fixed Liabilities IDR 0 IDR 0

Current Liabilities IDR 4,518,413,960 IDR 5,947,991,960

Total Liabilities IDR 4,518,413,960 IDR 5,947,991,960

Equity IDR 12,601,119,206 IDR 16,240,488,340

Total Liabilities and Equity IDR 17,119,533,166 IDR 22,188,480,300

Financial Ratios

2016 2017

Gross Margin 30% 30,01%

Net Margin 9% 14%

CURRENT RATIO 1.6 1.9

QUICK RATIO 1.2 1.2

LEVERAGE RATIO 0.4 0.3

Comment

Financial The total assets in 2017 increased by 26% vis-a-vis 2016 which attributable to A/R from SOE Company infrastructure
project in 2017. The increase of the asset is align with the growth of the business whereas reflected increased in
revenue amount. The total assets is comprising of Account Receivables (26,3%), Inventories (21%), fixed assets of
(48%), and Cash (3,5%).

Increased of the asset are supported by equity and Short-term debt from bank. In 2017 majority of liabilities is
comprising of equity (73.2%), short-term debt (26,8%).

Financial ratio remain acceptable with Current Ratio of 1.94x and leverage ratio of 0.27x.

Overall the financial as of 2017 shows adequate performance.

Profitability Revenue as of 2017 Increase by 51% compared to 2016. Increase of revenue are attributable to new contracts of
infrastructure projects from State Owned Enterprise company.

The Gross Margin Profit remain stable compared to 2016. The Increasing of revenues with stable COGS and
eficiency operational expense resulting significant increase of net profit margin from 9% in 2016 to 14% in 2017.

Overall the company shows growth profitability over 2 year.

Project The Company has secured contract project and purchase orders from retail clients such :
1. PT. Ikon Mandiri
2. PT. Waskita Beton Precast
3. HK Matra
4. PT. Tunas Perkasa Mandiri
5. PT. Tongkak Ampuh

Total Amount of Invoices is IDR3.673.425.149,-

Risk Profile

Industry Risk Material Infrastructure supply requires operational license for mining, hauling and selling the products.
Company already had License to support operational activities.

The industry also requires high level of inventory to support the secured projects. The industry risk is mitigated
by diversifying project pipeline to both retail and corporate project based market.

Business Risk Performance Risk & Payment Risk arise from project based revenue. The risks are mitigated by only accept new
project from reputable client and government strategic project so the borrower only focusing on their expertise
which is providing infrastructure material.

Key Person Risk Keyperson experienced more than 20 years in Corporate Management and also supported with team player
who has reputable experienced in this industry since 2013.

Reputations No negative news up to date

Key Person 1

Age 54.0

Address Jakarta

Education Bachelor of Business

Expertise Business Management

Prior Experience Chief Corporate Planning PT. Toyota Astra

Title President Director

Key Person 2

Age 26.0

Address Jakarta

Education Finance Management

Expertise Finance

Prior Experience Finance Manager

Title Finance Director

Submitted Documents

Company Registry

Article of Association

Company Latest Deed Amendment

Company Directors' ID

Tax Identification Card

Business License

AR List & Aging

Work Contract

Customer Purchase Order

Bank Statement

Mining License

Inhouse Financial Statement last 2 years as of 2015, 2016 & 2017

 Repayment Information Borrower External Review

# of loans 1st Loan # of on time payments 0%

# of on time payments 0 # of below 30 days delayed 0%

payments
# of below 30 days delayed 0
payments # of over 30 days delayed 0%
payments
# of over 30 days delayed 0
payments

Important Notice

The provision of services by PT Mediator Komunitas Indonesia ("Company") is governed by and subject to the Terms and Conditions made available
online through http://p2p.crowdo.com. All facility request made to the Company have been assess by our credit assessment team or our Partners. This
means only established and creditworthy businesses are able to borrow through our platform. However, as with all investments, lending your money
for a return will always have financial risks. Facilities made on the platform are not insured and there is a risk that a business may not be able to repay
the facility. While the Company has a recovery system in place, you may still lose some or all of your investments, including your initial capital. Lenders
may participate in multiple facilities to build a diversified portfolio, so that in the unfortunate event that one borrower defaults, the lender is less likely
to lose his/her entire capital, although the overall rate of return may decrease as a result. Individual portfolio results may vary, depending on, among
other things, the diversity of the portfolio, exposure to any single borrower, group of borrowers or industry, as well as macroeconomic conditions. Any
past performance, projection, forecast or simulation of results is not necessarily indicative of the future or likely performance of any company or
investment. Lenders are responsible for paying all taxes imposed by relevant authorities on any interests received and the amount of tax payable is
dependent on individual circumstances. The information provided does not take into account your specific investment objectives, financial situation or
particular needs. Before you act on any information on this platform, you should always seek independent financial, tax and legal advice or make such
independent investigations as you consider necessary or appropriate regarding the suitability of the investment product, taking into account your
specific investment objectives, financial situation or particular needs.

Disclaimer

PT Mediator Komunitas Indonesia (“Company”), which is registered in Indonesia (License. No. 15/24.1PK/31.73.07/-1.824.27/e/2016), provides services
that involve facilitating and arranging for parties to lend or borrow funds. The Company does not provide any form of investment advice or
recommendations regarding any listings on its platform. Nothing on this platform should be construed as constitute or form a recommendation,
financial advice, or an offer, invitation or solicitation from the Company to buy, sell, subscribe, or dispose of any securities and/or investment products
and/or financial instruments in Indonesia. In providing its services, the Company's role is limited to an administrative function and the Company does
not and will not assume any advisory, fiduciary or other duties to clients of its services. Although every effort has been made to provide accurate and
up-to-date information, the Company does not warrant or represent, whether expressly or implied, that any information on its platform, website,
marketing material or in any documentation that the Company prepares is accurate, current, reliable, verified, complete, or error-free and neither the
Company, nor any of its directors, officers, employees, members, representatives, affiliates, agents, parent(s), subsidiaries, successors and assigns shall
have any liability whatsoever for any expenses, losses or damages arising out of or in connection with, whether directly or indirectly, any such
occurrence and the use of all or any part of the information contained in this platform or website. The content and materials made available to the
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accounting, tax, financial or other advice in connection therewith before making an investment or other decision as may be appropriate. It is solely the
responsibility of clients to evaluate the accuracy, completeness and usefulness of all information and services provided by the Company. The Company
has made every effort to ensure that its service offerings are always made in accordance with applicable rules and regulations. Please note that the
Company does not provide and none of the services that the Company provides are intended to be or should be construed as an activity that would
require licensing or regulation under any laws of Republic of Indonesia including but not limited to the taking of deposits, dealing in securities, advising
on corporate finance, securities financing, fund management, or providing credit rating services, as these terms are defined in the applicable
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