Know the Risk of become a #PendanaHalal

To know this page, Insya Allah, we can be careful in providing funding through by Danasyariah.id

What the risk of funding?

Possible loss of funding that has been provided by the Lender. These risk are:

  • Delay in payment of returns
  • Delay in refund of principal funding
  • The collateral execution process cannot be predicted accurately either in terms of terms or price
  • Other factors that are beyond the control of the borrower and beyond the control of Dana Syariah

Dana Syariah mitigates financing risks as follows :

  • Comprehensive checking of financing objects
  • The character of the borower as recipient of financing
  • Capacity and condition of the company, then ensure that the company has collateral with an estimated value that meets the specified requirements
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Failure to Pay

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Economic Recession

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Natural Disasters

The risk level of funding at Danasyariah.id

The following is the classification of funding risks in project categories

Risk Level A

This financing is very safe, the borower and the object fulfil the highest requirements in the risk mitigation process.

  • This financing is protected by Sharia financing insurance with a coverage value up to 90%. If a failure occurs, the lender's funds will be covered by sharia financing insurance
  • There is collateral which has a value of >150% of the total financing submitted.
  • Competitive returns equivalent to 12 - 14.5% per year.
Risk Level B

This financing is very safe, the borower and the object fulfil the highest requirements in the risk mitigation process.

  • This financing is protected by Sharia financing insurance with a coverage value around 50-70%. If a failure occurs, the lender's funds will be covered by sharia financing insurance.
  • There is collateral which has a value of >150% of the total financing submitted.
  • Competitive returnsl equivalent to >14.5% - 15.5% per year.
Risk Level C

The Borrower and financing objects have fulfilled the requirements of the risk mitigation process. However, this financing is not covered by Sharia financing insurance, so if a risk occurs in the future, Sharia financing insurance will not guarantee this funding. This funding provides competitive and quite attractive returns (equivalent to a year) >15.5% - 18% per year. Guarantee covers up to 150% of the total funding submitted.

Why Danasyariah ?

Take 8 advantages become a funder at Dana Syariah

High returns

Equal to 15-20% per a year

Online & Easy

As Easy
Online Shopping

Withdraw

Without penalty.
(We will find for a replacement funder)

Legal & Safe

Licensed by OJK & Property collateral

Syariah Funding

According to sharia principles

Fixed Returns

Return from Buy-Sell property

Afforadble funding

Start form Rp 1.000.000 and multiples

Get returns every month

Automatically transferred to your account monthly


Looking for more details?

Please contact us via WhatsApp or visit our office

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ATTENTION :

    1. BEWARE, THIS TRANSACTION IS HIGH RISK. YOU MAY EXPERIENCE LOSSES OR LOSE MONEY. DO NOT GO INTO DEBT IF YOU DO NOT HAVE THE ABILITY TO PAY. CONSIDER WISELY BEFORE TRANSACTING.
    2. Information Technology Based Joint Funding Services are a civil agreement between Lender and Borrower, so that all risks arising from the agreement are borne entirely by each party.
    3. The risk of financing or default is borne entirely by lender. No state institution or authority is responsible for this risk of default.
    4. The Organizer, with the consent of each User (Lender and/or Recipient of Lending), accesses, obtains, stores, manages and/or uses the User's personal data ("Data Utilization") on or in objects, electronic devices (including smartphones or mobile phones), hardware or software, electronic documents, applications or electronic systems owned by the User or controlled by the User, by notifying the purpose, limitations and mechanism of the Data Utilization to the User concerned before obtaining the said consent.
    5. Lenders who do not have financing knowledge and experience are advised not to use this service.
    6. Borrowers must consider the rate of return and other costs according to their ability to repay the financing.
    7. Every fraud is recorded digitally on the internet and can be known to the public on social media.
    8. Users must read and understand this information before making a decision to become a Lender or Borrower.
    9. The Government, in this case the Financial Services Authority, is not responsible for any violation or non-compliance by Users, either Fund Providers or Fund Recipients (whether due to the User's intention or negligence) with regard to the provisions of laws and regulations or agreements or contracts between the Organizer and Lender and/or Borrower.
    10. Every transaction and financing activity or implementation of an agreement regarding financing or involving the Organizer, Funder and/or Fund Recipient must be carried out through an escrow account and virtual account as required by Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Joint Funding Services and violations or non-compliance with these provisions are evidence of a violation of the law by the Organizer so that the Organizer is obliged to bear compensation suffered by each User as a direct result of the violation of the law above without reducing the rights of Users who suffer losses according to the Civil Code.
    11. If you contact and or are contacted by a telephone number/Whatsapp and or social media account outside the telephone number/Whatsapp and or official social media account of PT Dana Syariah Indonesia, then all risks will be your responsibility and PT Dana Syariah Indonesia will be released from all responsibility for the consequences arising from the communication/interaction/chat. PT Dana Syariah Indonesia does not have/appoint or cooperate with any party to use other than the telephone number/Whatsapp and or official social media account of PT Dana Syariah Indonesia contained on this site to contact you.
    12. We will keep your Personal Data confidential. However, you agree that we may disclose your Personal Data to parties deemed necessary by us in connection with our business activities as an Information Technology-Based Joint Funding Service Provider, including but not limited to :
      1. director, commissioner, or employee;
      2. partners and providers of supporting services for PT Dana Syariah Indonesia's business activities, including channeling cooperation partners, payment gateway providers, banks, electronic certification providers for the creation of electronic signatures, legal consultants, financial consultants, technical consultants and tax consultants to provide relevant supporting services;
      3. Fintech Data Center (FDC) established by the Indonesian Joint Funding Fintech Association (AFPI), for the purposes of reporting your financing data as a Fund Recipient at PT Dana Syariah Indonesia;
      4. other parties related to the business activities of PT Dana Syariah Indonesia; and
      5. Financial Services Authority, Financial Transaction Reports and Analysis Center, and other authorized parties in accordance with the provisions of laws and regulations.
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