KOINWORKS

November 2019
 What Is P2P Lending?

We provide an online platform marketplace to connect lenders Risks Mitigation as The Core Foundation
and merchants from our Business Partners to help merchants in
expanding their businesses with our financial service. Network of Data / Digital Footprints
(Sales, Company Review, Users)
1 2
5 C’s Analysis
(Character, Capital, Capability, Condition of Economics,
Rp Rp 7 Collateral)
6
Partnership with Pemeringkat Efek Indonesia
(PEFINDO)
Credit Scoring
Borrowers Lenders
Partnership with Business Partner
Rp 4 (Tokopedia, Lazada, MokaPOS, JNE)

Rp
5 3
P2P Lending Platform

Advantages:
No Collateral Better Access
United in Our Marketplace
Faster Process Flexibility
P2P Lending Scheme

Bank Model

Fee + Interest Margin

= Without taking Interest

margin, each parties can
Lenders Borrowers
get more benefits, Lower
interest rates for
Borrower, Higher yield for
Peer Lending Model Lenders

Fee

=
Lenders Borrowers
KoinWorks’ Vision

KoinWorks enable people to realize their dream by providing

financial service access for business growth and education
purpose.

Quick Process Simple Steps

1 day approval Less documents

No Collateral Loan Terms

Less hassle 1 month – 24 months for Business Loan
Up to 10 years for Education Loan

Early Repayment Fee

FREE
KoinWorks Current Numbers

KoinWorks users are growing rapidly 370.000++ Users

Loan Disbursement Rp 250 Bio / month
90% KoinBisnis 10% KoinPintar

80% wants to repeat loan application

Average users increase in revenues within x months of our loans = 50%

NPL at 0,9%
Our Current Investors
Mandiri is the largest bank in
Indonesia in terms of assets, loans,
and deposits.
Convergence Ventures is an early
stage Indonesian VC firm focused on
investing in the very best startups of
Indonesia.
Quona Capital is a venture firm
specializing in financial technology
for inclusion in emerging markets.
EV Growth is a joint venture
between East Ventures, SMDV,
and YJ Capital Inc. tha is focused
on providing growth capital to
startups in Indonesia and
Gunung Sewu is an Indonesian-based Southeast Asia with an agnostic
Group that operates diversified industry focus.
businesses in insurance, food, real
estate, consumer & resources
(mining).
 Behind the Works

The Benedicto Haryono Bernard Arifin

(Co-Founder & CEO) (COO)
Workers:

Willy Arifin Jonathan Bryan

(Co-Founder & Chairman) (CMO)

Timotius Rinaldo Mark Bruny

(CTO) (CFO)

The
Sages:

Khairil Anwar Jim Geovedi Rika Saskia Rifan Kurnia Ivan Lutfi
(Financial Literacy & (IT Security, (Credit Policies) (Data Scientist) (Fraud & Operations)
Regulator Framework) Machine Learning)

Our team is composed of experienced Entrepreneurs, Bankers, Tech and Marketing professionals.
To find out more information, click here: http://koinworks.com/en/about-us?set_locale=en
Developinh Customers to Become Bankable

Banked

Banked, but looking

for alternative product

Underbanked

Unbanked

• KoinWorks targets markets other than the “Banked” segment

• We build Customers’ credit history
Our Products

Online SME Semi Online SME Offline Loans

E-commerce Loans HRMS Loans Open Loans
Business Financing Partnership Loans Auto Approval
A/R Loans Integrated partners
Supply Chain Financing Data & Verification

Education Financing
Short term courses University DEKADE
(10 years Student Loans)
Products Summary

Tenor & Repayment Product Info Interest Rate Range

Normal Loan 6-24 months Merchants are analyzed as applications come in.
Installment 18-40%
Normal underwriting procedure
Employee Loan 6-12 month Loans for SME’s employees, backed with payroll
Installment 18-30%
deduction working with HRMS
Pre – Approved Loan 6-24 months Merchants are pre-selected based on their
Installment performances in Partners’ platform. They are then 15-25%
offered loans. Same day approval

Invoice Finance 1-4 months Loans backed by invoices, typically to a reputable

14-25%
Bullet buyer
Working Capital 1-3 months Short term financing typically for financing purchases
15-30%
Bullet / supply chain
Education Loan 6-24 months* Installment type loans paid directly to schools, only
18-25%
Installment for post high school education.
Our Technologies

Technologies in Technologies in
FRAUD RISK

1. On site behavior 4. Credit scoring

2. Multi-source verification 5. Revenue verification using

3. Character unconventional method

 Operations : Risk and Underwriting

Demographic Business Portfolio Character Financial

• Location • LOB • Reputation/Preview • Sales
• Age • Type of Entity • Complain • Buyer/Supplier
• Status • Market Channel • Rating • EBIT
• Home Ownership • Industry • Repayment Capacity
Machine Aided
Human
Decision
Accounting
Pefindo Logistic Company Tax/BPJS Data
Software

E-Commerce POS Company HRMS Company

Machine Decision
Human
Monitoring
Automated
What We’re Building

Our Product Vision SME Segment Existing Data Points from

Partners

Multi Partner’s Data, ➢ E-commerce ➢ HRMS

Cross refer ➢ POS ➢ Logistics
➢ Accounting ➢ Payment Gateway
➢ ERP
+
Public Data
Ecosystem
Without Data
= With Data
➢
➢
Banking data
Credit History
➢
➢
Social Data
Legal Database
Growing Segment
Loan Approval
Our End to End Model

1. Non fraudulent borrower

Submission Drop Off Model Follow Up
2. High approval
Channel Scoring

Application Marketplace
Fraud Policy Risk Policy Collection
Starts Liquidity

1. Fraud Behavior Scoring 1. Risk Scoring 1. Liquidity Detection 1. Psychology Detection Matrix
2. OCR Automation: 2. Social Scoring Scoring
- National ID 3. Credit Bureau Model
- Bank Statement 4. Borrower/Lender Twisting Model
5. Bank Statement Analysis:

- Anomaly cashflow detection Retention

Drop Off Model

Business Performance Liquidity Detection Scoring
Fraud Behaviour Scoring Risk Scoring Model Psychology Detection Matrix
 Funding Collaboration - Channeling

Existing Partners
Collection

Institutional Repayment
Lender

Loan Origination Credit Assessment Administration

Collection
Borrower KoinWorks Met Partner RAC Agreement &
Acquisition Approve Criteria Disburse

Credit
Insurance

Channeling
• Focus on Productive Loans for SME • Interest rate 12 – 15% p.a
• Using KoinWorks process and underwriting capabilities • Servicing fee 5% of total interest amount received for Lump sum
• Collection will be done by KoinWorks Payment or 1 % of monthly total installment for installment loan
• All Loan Channeling are 100% covered by Credit Insurance (no deductibles) (paid to Koinworks)
Open Market Plan

Awareness Phase Acquisition Phase

MEDIA RELATIONS ONLINE OFFLINE ACTIVATIONS

1. Creating series of media
releases both to local and
national media.
2. Media Gathering
Targeted location based and
segmented industry for digital
leads generation.
Community meet up:
1. KoinWorks signature
program (Dialokal) –
hardselling content
2. Business workshop –
softselling content
 Cross-selling with BPR

Existing BPR Cross Up limit to

Client Sell 100T LTV

In case of default
• BPR – Sell asset and up for 1Ts loans
• KoinWorks – Gets what’s left after BPR settlement

Agreement &
Disburse
Eg.

L&B = 100Jt
BPR = 70% LTV 70Jt
KW = 30% LTV 30Jt

Less risk for BPR

Gets revenue
Thank
you.