ISO 2013 - GRP Presentation
ISO 2013 - GRP Presentation
ISO 2013 - GRP Presentation
• The digital platform serves as the middleman or intermediary between the applicant
and the investor.
• Multiple investors then contribute their funds towards a request made by the small
and medium enterprises (SMEs).
How does P2P works?
Current Status of P2P Financing
• The P2P industry is still in its early stages in Malaysia with such service offered only
about two years ago, but as of June this year it has already raised RM377.16 million
in funds.
• The government’s attention has also been attracted to the success of P2P platforms.
It was announced in Budget 2019 that a co-investment fund will be developed and used to invest in
equity crowdfunding and P2P funding.
Industry Status of P2P Financing
• In an effort to expand P2P financing access for SMEs, the Securities Commission
of Malaysia (SC) appointed six P2P operators to run P2P platforms namely
Funding Societies Malaysia (Modalku Ventures), Fundaztic (Peoplender), Quickash,
Alixco, Nusa Kapital, and B2B FinPal.
Funding Societies Malaysia –
Modalku Ventures Sdn Bhd
• Funding Societies at the time of writing is Malaysia’s first and
largest P2P lending platform.
B2B FinPal RM1,000 RM100 RM50,000 Business loan or 1 – 6 months 30% sharing on
Invoice financing interest
Advantages and Disadvantages of P2P Lending
Advantages Disadvantages
• It provides higher returns to the • Peer-to-peer loans are at high risk
investors of debt
• Providing more accessible source • No insurance/government
of funding protection
• Lower interest rates • Legislation
How P2P Financing Will Change The Way We Use
The Internet and We Do Business?
• Peer to Peer Lending Platform provides new ways for lenders to grow their money with an
unconventional route that benefits lenders.
• A P2P lending platform offers a better way for people to invest money.
• If one looks at P2P lending from an investor’s point of view, the platform provides access to the
credit instruments without the involvement of any middlemen.
• Lenders can diversify their investments and choose the deals or projects, which they wish to fund.
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