P2P (Peer-to-Peer) Crowd Financing offers qualified Micro, Small, and Medium Enterprises (MSMEs) the option to ‘Crowd Fund’ the financing required by connecting them with potentially thousands of investors via an online platform. With this option, MSMEs can now secure the working capital that they need through an alternative source. Meanwhile, investors get risk-adjusted returns by choosing to support the businesses in line with their core values.
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Mutually benefitting thousands of businesses and investors that has adapted to P2P Financing.
Overview of P2P Financing Market in Malaysia
109449
Successful Campaigns for Businesses
7.62
Amount Raised from Crowd Investors
12933
Successful Issuers
Up till 30 September 2024, Source: sc.com.my
About Cofundr
We are a Recognised Market Operator for P2P Crowd Financing registered with Securities Commission Malaysia. In all that we do, we believe in promoting financial inclusivity to businesses by providing crowd financing options that are structured as sensible investments for our co-funding community. In other words, we provide financing that makes investment sense delivered through our fintech platform.
Mengenai Cofundr
Kami adalah Pengendali Pasaran yang Diiktiraf (RMO) untuk Pembiayaan Orang Ramai P2P yang berdaftar dengan Suruhanjaya Sekuriti Malaysia. Dalam segala hal yang kami lakukan, kami percaya dalam mempromosikan keterangkuman kewangan kepada PMKS dan juga kumpulan Syarikat Senaraian Awam (SSA) dengan menyediakan pilihan pembiayaan yang distrukturkan sebagai pelaburan yang wajar. Dalam erti kata lain, kami menyediakan pembiayaan yang "make investment sense" melalui platform fintech kami.
Mutually benefitting thousands of businesses and investors that has adapted to P2P Financing.
Overview of P2P Financing Market in Malaysia
109449
Successful Campaigns for Businesses
7.62
Amount Raised from Crowd Investors
12933
Successful Issuers
Up till 30 September 2024, Source: sc.com.my
About P2P Crowd Financing
Mengenai Pembiayaan Orang Ramai
Pengendali Pembiayaan Orang Ramai P2P (Peer-to-Peer) menawarkan kepada Perusahaan Mikro, Kecil dan Sederhana (PMKS) yang berkelayakan, untuk mendapat dana dari orang ramai (dan institusi-institusi) dengan cara menghubungkan mereka dengan ribuan pelabur-pelabur yang berpotensi melalui platform digital atas talian. Melalui pilihan ini, PMKS kini boleh mendapatkan modal kerja dan belanja modal yang mereka perlukan melalui sumber dana alternatif P2P. Sementara itu, pelabur-pelabur akan mendapat pulangan terlaras risiko dengan memilih untuk melabur berdasarkan tahap selera risiko masing-masing.
How does peer-to-peer financing work?
Peer-to-peer financing is a fairly straightforward process. All the transactions are carried out through Recognized Market Operators of online P2P Crowd Financing platforms registered with Securities Commission Malaysia.
Application
A potential company interested in obtaining financing completes an online application on the peer-to-peer financing platform.
Permohonan
Syarikat yang berminat untuk mendapatkan pembiayaan perlu melengkapkan permohonan atas talian pada platform digital pembiayaan peer-to-peer
Assessment
The platform assesses the application and determines the risk and credit rating of the applicant. Then, the applicant is assigned the appropriate interest or profit rate.
Penilaian
Platform digital menilai permohonan dari syarikat yang berkenaan dan menentukan risiko dan penarafan kredit pemohon. Kemudian, pemohon diberikan kadar faedah/keuntungan yang bersesuaian.
Crowdfund
When the application is approved, the financing requested is offered as an investment to (registered) investors on the platform based on the credit rating and assigned interest or profit rate.
Pembiayaan Orang Ramai
Apabila permohonan diluluskan, pembiayaan yang diminta ditawarkan sebagai pelaburan kepada pelabur yang berdaftar di platform digital berdasarkan penarafan kredit dan kadar faedah/keuntungan yang ditetapkan.’
Disbursement
If the investment1 is fully subscribed, the funds are disbursed to the applicant upon completing the documentation process.
All Investors’ funds are held in Trust Accounts and is managed by a licensed Trustee
Pengagihan
Jika pelaburan telah dilanggan sepenuhnya (minima 80%), dana akan diagihkan/pindahkan kepada pemohon/penerbit setelah menyelesaikan proses dokumentasi dan pemohon memenuhi semua syarat-syarat yg ditetapkan.
Semua dana pelabur disimpan dalam Akaun Amanah dan diuruskan oleh Pemegang Amanah berlesen
Returns
Thereafter, the applicant pays periodic (usually monthly) interest/profit and principal payments throughout the agreed financing tenure until its completion.
Pulangan
Selepas itu, pemohon/penerbit akan membayar faedah/keuntungan dan bayaran pokok berkala (bulanan atau pada tarikh matang) seperti yang dipersetujui sehingga selesai.
Accreditation
Registered With
Fiduciary Services provided by
Participants of
Credit Reporting Services provided by
Wealth Management Advisory provided by
Official P2P Financing Platform for China Construction Bank’s B2B Matching Platform
Shariah Advisor
Akreditasi - ms
Registered With
Fiduciary Services provided by
Participants of
Credit Reporting Services provided by
Wealth Management Advisory provided by
Official P2P Financing Platform for China Construction Bank’s B2B Matching Platform
Shariah Advisor
Collaborators
Malaysia first online financing referral platform
A Fintech Supply Chain Finance Solution Provided
Kolaborator - ms
Malaysia first online financing referral platform
A Fintech Supply Chain Finance Solution Provided
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Let’s make an Impact!
Let’s make an impact together with your investment ringgit and choose to support businesses that is in line with your core values. At Cofundr we encourage our investors to be selective with their choices. As such, we strive to offer not just a range of commercially diverse selection of investment opportunities but to include sustainable and shariah complaint responsible investment opportunities as well to meet this goal.
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Before investing, let’s talk about Risk!
Are there any risks involved? Yes. As with all investments, investing your money for a return will always expose you to financial risks and Cofundr is not exempted from this risk. Investments made on our platform are not insured and are not covered by the Capital Market Compensation Fund (CMCF). There is a possibility that the issuer may not be able to meet its financial obligations.
Although every care has been taken to safeguard your investment, we ask that you consider the suitability of the investment product before you proceed and encourage you to build a diversified portfolio to mitigate default risk, if you do.
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