"Did you know that recently, many news stories have been associated with Financial Technology, a.k.a. Fin-Tech, businesses? Stay cautious and vigilant! Here's some of the latest information about the Fin-Tech/P2P (Peer-to-Peer) Lending Industry in Indonesia. Let's scroll down and check it out!"
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The Fin-Tech and Start-Up industries have been under the spotlight in recent years. From 2018 to 2024, Fin-Tech and Start-Ups in Indonesia have garnered significant public attention. Naturally, when discussing them, their close connection to business and the national economy is undeniable. Did you know that Indonesia is among the top six countries with the most Start-Up industries in ASEAN? As conveyed and discussed by Coach Tom on his YouTube Channel, this early 2025, Coach Tom presents some of the latest information related to Indonesia's financial and start-up industries.
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"What is P2P Lending? P2P lending is a financial service that connects lenders with borrowers online. P2P lending is also known as collaborative funding fintech. P2P lending allows individuals to lend or borrow money without going through a bank. P2P lending is regulated by the Financial Services Authority (OJK)."–
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So, what business sectors will be impacted? And what about other businesses? If you currently own and manage a business with funding from a Fin-Tech/P2P funding system, then you should be quite aware and start striving for your business to run independently. Why? Because there are rumors that several Fin-Tech or P2P Lending companies are experiencing less than favorable conditions and ecosystems.
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Sooner or later, this will impact any business in all sectors if your business uses funding from Fin-Tech/P2P Lending, whether large corporations or MSMEs. This is because there have been many reports indicating that tens of thousands of MSMEs have received funding from this Fin-Tech/P2P Lending industry. For more details, you can watch Coach Tom's video below. –
Well, with this unfavorable news, let's re-evaluate early on whether your business is healthy enough to face the dynamics happening this year? How is your company's financial condition? Regardless of how good or bad your business funding is, if you need capital or funding, try to reconsider when deciding to choose a Fin-Tech/P2P Lending partner. Look for credible ones, with a good portfolio, and a scheme that can benefit your business.
Be wiser in choosing financial partners, and don't be easily tempted by attractive funding schemes offered. Try to discuss, collaborate, and cooperate with trusted colleagues/partners, and avoid sectoral egos towards colleagues or partners. Growing together with a partner you already trust will be much better than making the wrong decision.
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Running and managing a business will naturally be closely related to finance. And to gain profit or income, there will certainly be some sacrifices that every entrepreneur must make. Being open-minded, logical, and objective in observing and evaluating your business is key. This way, your business can continue to run and develop step by step. Let's be wiser in business, determine partners who can boost your business, and evaluate it.
Set targets, set budgets, and try to work with partners you trust and who have a clear track record. Additionally, you must be more careful and vigilant about the volatile and uncertain global economic dynamics in 2025. Let's be aligned & shine together with Alinear Indonesia!
