Have Any Questions?

Rating is a quality scale given by ALAMI to a financing project taken from the results of credit scoring analysis. Currently, the rating system for funding projects at ALAMI has changed from a star scale to a grade scale. This change aims to make it easier for Lenders to assess funding projects according to acceptable and tolerable risks.

The grade scale has a range from A+ to C-.
Grade A+ indicates the highest possible rate of return with low risk, while C- is the highest risk.

Steps to make an addition to an already funded project:

1. Funding slots are still available
2. RDF balance is not less than the amount you want to add
3. Click the Portfolio or funding menu
4. Click the Funding that you want to add
5. Click the "Add Funding Amount" button.

The account verification process will take up to 24 hours on weekdays. After the account is verified, the Funder will get an email notification and the account can be used to make funding.

The repayment of funding along with the Return on the proceeds of funding for a project will be forwarded to the Funder's RDF.

Information regarding financing repayment is 1 day after the due date on a working day. If it is due on a Sunday or national holiday, information regarding the repayment of the financing will be forwarded on the next working day.

The returns that the Funder will receive are calculated based on the amount of funding, the percentage of returns, and the tenor of the project. The unit percentage of return stated on the term sheet is p.a. (per annum or per year).

Calculation simulation:
Return percentage / Ujrah = 15% p.a.
Tenor = 60 Days
Funding = IDR 10,000,000

Total returns before PPH: 15% x 60/360 (number of days in a year) x Rp 10,000,000,- = Rp 250,000,- PPh23 = 15%
Return Tax = Rp. 37,500,-

So, the nominal of the return that will be obtained after tax is: Rp. 250,000 - Rp. 37,500 = Rp. 212,500,-

Funders can also see a simulation of estimated returns when funding on the Funding menu. Estimated returns may change if the funding disbursement date is delayed or the financing repayment is accelerated by the Beneficiary.

Funders can register through the ALAMI application on Android or iOS phones. After getting email verification, Lenders will be asked to complete a profile, then the ALAMI team will verify the data. Once verified, the Funder's Fund Account (RDF) has been formed. The RDF is used to transact at ALAMI.

To start funding, Lenders need to top up the RDF balance first. After that, Lenders can see active funding on the Funding page of the NATURAL application. If you have determined which project you want to fund, the Lender can directly click Fund Now and fill in the nominal funding. Next, the Lender will be asked to continue the Digisign activation process (electronic signature) on the Akad. Funding is declared successful if the Funder has finished signing the contract.

Currently, ALAMI is collaborating with BNI for RDF at ALAMI. Funders can top up the RDF through various methods, such as interbank transfers, interbank transfers, via mobile banking, internet banking, or via e-wallet and other methods, with the aim of transferring to BNI followed by the Funder's RDF number.

Funders at ALAMI are required to register their NPWP. If you don't have one, then you can you can first register for NPWP online through the website: https://ereg.pajak.go.id/register or use the NPWP of your parents/spouse/siblings.

Funders can change their profile by logging into the Funder's account and going to the Edit Profile menu.
Currently, data profile changes can be made through both of ALAMI's website and app.
If you want to change your bank account, the account's name must be exactly the same with the name of the account owner.

ALAMI app only provides funding. Currently, there are various productive financing projects for MSMEs that can be directly funded by Funders through the ALAMI app.

Regarding partnership/sponsorship, if you come from an institution/organization/event that does not violate sharia principles, you can send a proposal via email to [email protected]. Insyaallah, we will forward the incoming proposal to the relevant internal division at ALAMI.

There is no late fines if what happens is beyond the control of the Beneficiary. However, late payment will affect the results of the Beneficiary's assessment in the future.

Financing risk/failure to pay/default becomes Funder's responsibility. There is no state agency or authority is responsible for this default risk.
However, this risk can be anticipated with ALAMI's strict selection process of MSME's projects. This is proven by ALAMI's TKB90, which is still above the industry average.

The operational activities carried out by ALAMI are in accordance with the fatwa of the Indonesian Ulema Council (MUI). For ALAMI's Invoice Financing products, refer to DSN Fatwa No. 67/DSN-MUI/III/2008 and 117/DSN-MUI/II/2018. Meanwhile, the imposition of Ujrah or returns is based on DSN Fatwa No. 112/DSN-MUI/IX/2017.

ALAMI has several financing products specifically to help Indonesian MSMEs, including:

1. Invoice Financing Invoice Financing is a financing transaction that is based on proof of invoice (invoice) for collection management services.

2. Ecosystem Financing Ecosystem Financing is financing provided to ecosystem members from ALAMI partners. This financing is focused on micro business actors who have been assessed internally by ALAMI partners before being sent to ALAMI.

3. Purchase Order Financing PO Financing is financing provided to business actors to purchase/procure goods ordered by third parties.

ALAMI will accept applications for invoice financing from MSMEs. Then, ALAMI will assess the MSMEs. Assessment is based on qualitative and quantitative analysis. Quantitative analysis is based on financial reports and bank statements. Meanwhile, qualitative analysis is based on historical history and also analysis of visits to business premises. After receiving the assessment results, ALAMI will provide a financing agreement offer. Once approved by MSMEs, the financing application will immediately be listed within a period of no later than 14 working days. Once the funds have been collected, the funds will be immediately distributed to the MSMEs and repayment will be carried out according to the agreed due date.

ALAMI app only provides funding. Currently, there are various productive financing projects for MSMEs that can be directly funded by Funders through the ALAMI app.

ALAMI is registered and supervised by OJK according to OJK decree Number: KEP-21/D.05/2020 for Peer to Peer (P2P) Operators

ALAMI is a productive financing Peer-to-Peer Lending platform which has a vision to revolutionize Sharia financial industry to be more advanced and modern through #HijraInFinance

According to Law (UU) of the Minister of Finance of the Republic of Indonesia Number 112 / PMK.03 / 2022 concerningTaxpayer Identification Numbers (NPWP) for Individual Taxpayers, Corporate Taxpayers, and Government Agency Taxpayers. specifically related to the use of the Population Identification Number (NIK) applies as a Taxpayer Identification Number (NPWP). effective from January 2024, every gross amount The returns received by Funders will be immediately subject to Income Tax Article 23 (PPh 23) withholding of 15% for all Indonesian Citizen Funders who have a personal NPWP or who use their parent's/spouse's NPWP, and 20% for Foreign Funders.

In general, taxes from transactions in ALAMI are included in the Funder's responsibility to report and pay them. The return that the Funder will receive is the net nominal which has been deducted by tax, therefore the Funder does not need to worry about manual calculations.

However, the Funder still has to report the return income for the year in the Annual SPT and can provide tax credits based on the deductions received.

Funders can find out the history of tax withholding and access proof of tax withholding of returns through information that is automatically available in the ALAMI application and website, proof of tax withholding from the returns received will be provided every month.

To be able to download proof of tax deduction in the ALAMI application, please follow the steps as follows:

1. Login to the ALAMI application
2. Go to the Profile menu (click the avatar logo at the top left), then scroll down and the tax withholding proof document will be listed in the Documents section → Information & Tax Withholding Proof
3. Select the year period, then click the desired tax deduction proof
4. Click Send to Email & the document will be sent to the email registered with ALAMI
5. Check your email, later you can download the tax deduction proof document in the document attachment sent via email

Service Fees are fees charged to Funders for services using the ALAMI platform to obtain returns when the Beneficiary has returned the funds.

Service Fees are applied as an effort to improve the quality of ALAMI's performance and services.

Service Fee is applied since a Funder's funding of the project starting on 25 March 2024.

The Service Fee charged to Funders (individuals, not institutions) is 1% p.a. from the nominal funding for each funded project as well as VAT of 11% of the service costs.

The Service Fee will be charged when the Fund Recipient has returned the funds, with a direct deduction from the returns that will be obtained by the Funder. For projects with a Staged Refund scheme, Service Fees will be applied on a pro rata basis.

In the event of default, the Funder will not be charged the Service Fee and VAT.

It has been stated in the Agreement on Granting of Power of Attorney in the section of Special Terms and Conditions for Power of Attorney Granted in Clause 2 of the Agreement; "The Funder agrees to pay a certain fee to the Operator if required by the Operator for certain types of financing, the amount of which is determined by the Operator and is stated in the Approval of Funding which will be agreed upon by the Parties of each financing."

In sharia, the imposition of administrative fees for services (or for use of the platform) is permitted and there is no prohibition, either in the form of a nominal amount or a certain percentage.

The use of service benefits or use of the platform basically uses an Akad Ijarah. There are many arguments from the Qur'an and Sunnah regarding the permissibility of Akad Ijarah with the provision of Ujrah (fee), including:

Allah says:

فَوَجَدَا فِيهَا جِدَارًا يُرِيدُ أَن يَنقَضَّ فَأَقَامَهُ ۖ قَالَ لَوْ شِئْتَ لَاتَّخَذْتَ عَلَيْهِ أَجْرًا

"... Then the two of them found a wall of a house that was about to collapse in the land, so Khidhr erected the wall. Musa said, 'If you want, you will certainly take wages for it." [Al-Kahf (18): 77]

From Ibn 'Umar Radhiyallahu anhuma, he said, "Rasulullah shallallaahu 'alaihi wa sallam said: أَعْطُوا اْلأَجِيْرَ

أَجْرَهُ قَبْلَ أَنْ يَجِفَّ عَرَقُهُ.

"Give wages to the workers before their sweat dries up." (HR. Ibn Majah, authentic)

If the Funder pass away, then the account closure must be requested by the family (heirs), proven by attaching the documents below:

1. Funder's email
2. Death Certificate
3. Letter of Heirs
4. Funder's ID card
5. Family Card
6. KTP of all heirs
7. Marriage Certificate for Funder's husband/wife (if any)

If the heirs have attached the data, ALAMI will do the verification process. After that, we will assist the heirs to close the Funder's account and withdraw the RDF funds (if any).

The ALAMI account can only be closed after the verification process is complete, ALAMI will ensure that there is no more outstanding funding, and the Funder's RDF balance is empty in his/her ALAMI's account. If there is still an outstanding funding, we will inform the funding status and the heirs can wait until the due date or repayment is made by the Beneficiary.

Sorry, currently this data entry feature is not available, however, if a Lender dies, ALAMI will contact the emergency contact registered on the account and will notify the amount of RDF balance or current funding (if any) from the Lender's account.

If a Funder has an RDF balance, but does not have outstanding funding, then disbursing RDF funds in that account can be done in one of these ways:
1. If the heirs have access to the Funder's account, then the funds can be withdrawn independently to the Funder's bank account registered in the ALAMI app.
2. If the heirs do not have access to the Funder's account, then ALAMI will confirm with the RDF issuing bank (BNI) and provide a cover letter for managing the disbursement of the remaining balance to the heirs' account.

In the case of managing the disbursement in point 2 above, the heirs are required to come to the designated BNI branch office to arrange the disbursement and closing of the RDF account by bringing the following documents:
1. Death Certificate
2. Funder's ID Card
3. Family Card
4. Marriage Certificate (if any)
5. KTP of all heirs
6. If the heir is a representative from other heirs, then the they need to bring a Power of Attorney from all of his heirs which has been legalized by the village (kelurahan) administration.

Funder report their tax personally by following PPh 23 with a flat 15% rate for all Funders. If the Funder is an Indonesian citizen who is working abroad or is a foreigner Funder, returns from funding are subject to 20% in accordance with PPh 26 and are reported personally.

Funders can view their funding portfolio by logging into their account, then going to the Portfolio menu. In this menu, Funders can see the active/running funding projects. Funders can go to History menu to see funded and completed projects.

This happens because there is a development in the ALAMI's system. Hence, Funder's data needs to be re-verified.

Funding notifications are sent via push notifications from the ALAMI app. Make sure to give permission in the notification settings on your phone.

Funders can change their profile by logging into the Funder's account and going to the Edit Profile menu.
Currently, data profile changes can be made through both of ALAMI's website and app.
If you want to change your bank account, the account's name must be exactly the same with the name of the account owner.

ALAMI will create a Funder Fund Account (RDF) account for Funders to make transactions at ALAMI. The RDF will be formed after the account is verified. ALAMI's RDF cooperates with BNI, so that RDF is a BNI account.

The costs incurred by the Penerima Dana/Beneficiary consist of ALAMI's Marketplace Fee, Value Added Tax (VAT), Service Compensation Fees that will be paid to Funders through ALAMI, Notary fees for collateral and collateral agreements on the first submission of financing, Transfer Fees and Stamp Duty fees (depending on the number of disbursement documents that require a stamp)

The time will be informed after the financing application has been assessed and a letter of offer for financing is sent to the prospective Penerima Dana/Beneficiary.

The offer letter will state information on payment of fees made before disbursement or deducted from the value of the financing disbursement.
The determination of deducting costs is based on the type of financing contract and the financing scheme for the proposed underlying financing.

Range of disbursement costs:

1. MP Fee starting from 1% - 5% of the principal financing
2. Return paid to Funders start from 12% - 20% p.a. of principal financing
3. Notary fees (notarial fees are imposed on the bonding of Guarantee and Collateral documents at the first submission or if guarantees and collateral require an addendum). Collaterals are such as Personal Guarantees and Corporate Guarantees. Cost for 1 document Rp. 300.000,-.
4. Transfer Fee - adjusted to the transfer method, transfer time and the amount of disbursement. Range Rp. 5000,- to Rp. 30.000,-.
5. VAT 11% of the nominal MP Fee.
6. Stamp duty depends on the number of documents stamped with a stamp (this fee is directly absorbed when making documents for disbursement of documents that require a stamp duty)

*Each financing will have a different disbursement fee depending on the agreement on the financing termsheet and the realtime financing disbursement process.

The maximum financing listing period is 14 working days. If the collected funds are more than 55%, the financing can be forwarded to MSMEs. However, if less than 55% is collected, then MSMEs have the option to cancel the financing application, continue to take the collected financing, or extend the listing period. If before 14 working days the funds have been collected, the funds will be immediately distributed a maximum of 2 working days from the collected funds. If the funds have been collected but before 14 working days the MSME listing cancels unilaterally, the Beneficiary is obliged to pay for the services that have been carried out by ALAMI.

There is no late fines if what happens is beyond the control of the Beneficiary. However, late payment will affect the results of the Beneficiary's assessment in the future.

ALAMI is committed to maintaining personal or legal entity data, in accordance with applicable standards and regulations. The information that will be displayed at the time of listing the funding application is the initials of the MSME and the scoring data. ALAMI will not reveal the identity of the Borrower and disseminate company information without the permission of the owner of the information data.

The maximum financing that can be disbursed is IDR 2,000,000,000. The value of the disbursed financing is based on the invoice value held by the Prospective Beneficiary. ALAMI will fund a maximum of 80% of the invoice value owned.

Prospective Beneficiary open the link www.alamisaria.co.id and register as prospective Beneficiary. After receiving a verification email, the Prospective Beneficiary can complete a profile on the ALAMI platform. After that, the Prospective Beneficiary can apply for financing by completing the identity of the company in question and uploading the required documents. After that, the Prospective Beneficiary will get a notification regarding the status of the company's submission via the Dashboard or the ALAMI team will contact the PIC in question.

The company has been in the form of a PT, CV, or Foundation that has carried out operational activities that do not conflict with Islamic law; have been in existence for at least 2 year and attach a checking account and financial statements for the last 6 months; and have current accounts and personal guarantees to be used as collateral.

The maximum financing offer period is 14 working days. If the funds collected are more than 55%, then the financing can be forwarded to the beneficiary. However, if it is less than 55%, the Borrower may choose to cancel the financing application, continue to take the collected financing, or extend the offer period. However, the average financing at ALAMI is successfully funded in 3-7 days.

Projects that can be funded are available on the Funding page. If the Funding page is empty, it means that all funding projects have been funded. Every time there is new funding, ALAMI will inform you via email or notification from the application.

The information on the funding project contains the initials of the name of the Beneficiary, company profile, and business activities carried out. Company's conditions such as the their product or service areas, financial reports, etc., are available to be seen on the factsheet. Therefore, Funders can still find out the summary of the company's fundamentals and assess them comprehensively.

ALAMI has collaborated with several insurance partners. However, currently not all financing is covered by insurance. Meanwhile, the terms & conditions will be analyzed again. When there is financing that has been covered by insurance, there will be information regarding detailed information regarding the insurance used for the financing.

Tenor is the duration of the loan agreement between the Beneficiary and the Funder. The financing tenor at ALAMI varies, with a maximum tenor of 180 days and an average tenor of 90 days.

Rating is a quality scale given by ALAMI to a financing project taken from the results of credit scoring analysis. Currently, the rating system for funding projects at ALAMI has changed from a star scale to a grade scale. This change aims to make it easier for Lenders to assess funding projects according to acceptable and tolerable risks.

The grade scale has a range from A+ to C-.
Grade A+ indicates the highest possible rate of return with low risk, while C- is the highest risk.

In general, the financing scheme that will be run by ALAMI is not much different from the DSN-MUI Fatwa No. 117/DSN-MUI/II/2018. However, in ALAMI's financing scheme, a contract has been established between the Provider (ALAMI) and the Beneficiary, namely trading with Akad Murabaha.

Murabahah is a trading agreement between a financial institution and the recipient of the financing. The financial institution buys the goods needed by the recipient of the financing and then sells it to the recipient of the financing at the cost of acquisition plus a profit margin agreed between the financial institution and the recipient of the financing.

Ecosystem Financing is a financing program for ecosystem members from ALAMI partners. Financing also focuses on micro-entrepreneurs who have been assessed internally by ALAMI's partners before being submitted to ALAMI.

The Akad of Invoice Financing is based on the DSN Fatwa No. 67/DSN-MUI/III/2008 and 117/DSN-MUI/II/2018 used by ALAMi are Wakalah bil Ujrah and Qardh contracts.

Qardh is a loan agreement to another person without expecting anything in return. This contract is included in the Tabarru' (benevolence) contract. A person who is given a loan is obliged to return something he lent at the agreed time. If the customer does not show a desire to return part or all of his obligations and not because of his inability, LKS can impose sanctions on the customer in the form of selling collateral.

Wakalah is the delegation of power by one person to another to carry out an activity on behalf of the giver of the power. Wakalah is a contract from the Authorizer (Muwakkil) to the Recipient (Deputy) as his representative in acting. The power of attorney can receive compensation for services representing an activity from the power of attorney.

Invoice Financing is a financing transaction based on invoices for collection management services.

Invoice Financing and Contract Mechanisms used:
1. The Beneficiary has a bill to the client/Payer (Muamalah relationship) which causes the Beneficiary to have the right to collect and manage documents.
2. The Beneficiary submits an application to ALAMI to find a party who is willing to provide document management and billing services.
3. ALAMI will offer Funders to provide billing and document management services for which a reward will be given (Wakalah bil Ujrah).
4. Funders authorize the services that should be carried out by the Funders (Wakalah).
5. In addition to providing services, Funders also provide loans (Qard) to Beneficiary.
6. ALAMI as the Funder's proxy enters into an Akad with the Beneficiary accompanied by forwarding of loan funds from the Funders. Based on this mechanism, the return or Ujrah is the right of the Beneficiary for billing and document management services (which were previously Wakalah to ALAMI).

Regarding the mechanism and use of the contract, it is in accordance with the DSN-MUI Fatwa NO. 117/DSN-MUI/II/118 concerning Information Technology-Based Financing Services Based on Sharia Principles.

Funders will be charged a service fee of 1% p.a. from the nominal funding for each funded project as well as VAT (PPN) of 11% of the service costs.

Steps to make an addition to an already funded project:

1. Funding slots are still available
2. RDF balance is not less than the amount you want to add
3. Click the Portfolio or funding menu
4. Click the Funding that you want to add
5. Click the "Add Funding Amount" button.

The returns that the Funder will receive are calculated based on the amount of funding, the percentage of returns, and the tenor of the project. The unit percentage of return stated on the term sheet is p.a. (per annum or per year).

Calculation simulation:
Return percentage / Ujrah = 15% p.a.
Tenor = 60 Days
Funding = IDR 10,000,000

Total returns before PPH: 15% x 60/360 (number of days in a year) x Rp 10,000,000,- = Rp 250,000,- PPh23 = 15%
Return Tax = Rp. 37,500,-

So, the nominal of the return that will be obtained after tax is: Rp. 250,000 - Rp. 37,500 = Rp. 212,500,-

Funders can also see a simulation of estimated returns when funding on the Funding menu. Estimated returns may change if the funding disbursement date is delayed or the financing repayment is accelerated by the Beneficiary.

Funding status can be seen through the Funder's account and go to the Portfolio page.

Akad Umbrella is Akad Wakalah which contains a universal power of attorney agreement. Thus, it is enough for Funders to sign the Akad Umbrella once for the entire subsequent funding process. This is to support the convenience and convenience of the Funder in the process of funding at ALAMI.

OTP (One Time Password) code used when Funders undergo the Digisign activation process for the first time. Make sure the registered phone/mobile number is active. If the Funder does not get an OTP code, do the following:
- Check if the phone is connected to a Wi-Fi connection
- If connected, disconnect Wi-Fi
- Turn on airplane mode then turn it off again

If the phone number you registered is incorrect or no longer active, please change the registered phone number.

When a Funder makes funding for the first time, or a Beneficiary makes a loan for the first time, both of them need to activate DigiSign directly (will be directed from the ALAMI application) and is one of the steps that must be followed in the funding process.

According to the Law of the Republic of Indonesia Number 19 of 2016 concerning Electronic Information and Transactions, Electronic Signature is a signature consisting of electronic information attached, associated or related to other electronic information used as a means of verification and authentication. ALAMI cooperates with Digisign as an electronic signature service provider that is licensed and in accordance with regulatory provisions (KEMENKOMINFO and OJK), so that users will be directly integrated with agreement documents (Akad) and it will be easier when making transactions at ALAMI.

"Funders can register through the ALAMI application on Android or iOS phones. After getting email verification, Lenders will be asked to complete a profile, then the ALAMI team will verify the data. Once verified, the Funder's Fund Account (RDF) has been formed. The RDF is used to transact at ALAMI. To start funding, Lenders need to top up the RDF balance first. After that, Lenders can see active funding on the Funding page of the NATURAL application. If you have determined which project you want to fund, the Lender can directly click Fund Now and fill in the nominal funding. Next, the Lender will be asked to continue the Digisign activation process (electronic signature) on the Akad. Funding is declared successful if the Funder has finished signing the contract."

The minimum amount of funding in ALAMI is Rp1,000,000. But, there will also be a minimum amount starts from Rp25,000 for projects with special marks. While for maximum amount of funding is a financing offered or a maximum of Rp2,000,000,000.

When making a withdrawal, make sure that the withdrawal amount has been filled in, the name on the account info matches the name on the savings book, and the Funder has chosen the desired method of withdrawing funds. After that, Funders can click the "Withdraw" button on the RDF withdrawal page.

"Funders can make RDF withdrawals by logging into their account, then going to the Dashboard page. On the RDF menu, Funders can select ""Withdraw"" to withdraw funds. RDF withdrawals will be processed no later than 1 x 24 hours (Monday to Friday at 09.00-18.00 WIB). If the withdrawal is declared successful, the funds will immediately go to the account registered with ALAMI."

Currently, ALAMI is collaborating with BNI for RDF at ALAMI. Funders can top up the RDF through various methods, such as interbank transfers, interbank transfers, via mobile banking, internet banking, or via e-wallet and other methods, with the aim of transferring to BNI followed by the Funder's RDF number.

There is no profit sharing, administration fee, and minimum balance in RDF. RDF also does not have a debit card, savings book, or e-banking. RDF can only be used to carry out project funding transactions at ALAMI, as well as transfers/book transfers to accounts registered with ALAMI. This transaction can only be done on the Dashboard page of the ALAMI app.

RDF (Funder's Account) is a separate account in the name of Funders, both individuals and companies, which aims to make it easier to do funding at ALAMI.

Currently, we maintain our TKB90 to be above the industry average, which means that ALAMI has made its best efforts to return project funding under 90 days from the due date. ALAMI is committed to continuing to do its best to reduce the percentage of non-performing financing and increase the success rate of financing.

ALAMI will take the following steps:

Initial Stage (if the Beneficiary is cooperative and responsive)

Periodic warnings to Beneficiary via online communication channels such as WhatsApp messages, SMS or telephone;

Submission of Warning Letter;

Direct inspection of office/business locations (on-site visit) in accordance with internal provisions and billing code of ethics (SEOJK No. 19/SEOJK.06/2023).

Advanced Stage (if the Beneficiary is not cooperative)

Execution of collateral in the form of post-dated check clearing;

Execution of legal measures in the form of subpoenas, execution of personal guarantees and/or corporate guarantees, reports to the police, lawsuits to court or other legal steps permitted by statutory regulations.

The steps taken will differ from one another, depending on the situation and conditions. ALAMI can also divert collection efforts through third parties from collection agencies certified by professional institutions registered with the Financial Services Authority (OJK).

ALAMI will actively monitor and communicate with Funders regarding plans and steps for repayment of project financing until payment obligations are fully fulfilled by the Funder.

ALAMI will also periodically inform Funders regarding the progress of the implementation of the collection process via electronic mail (email) or the ALAMI Sharia application in the "Financing Recipient Information Details" section on the Portfolio page.

We convey this information 1 (one) day after the due date and every 5 (five) working days during the late period.

If there is a delay in payment, ALAMI continues to collect intensively until payment obligations are completed.

During the collection period, if there is no positive response from the Beneficiary, then we will disburse the collateral. We make continuous efforts to ensure that the principal funding along with the return/Ujrah can return in accordance with the tenor.

Information regarding financing repayment is 1 day after the due date on a working day. If it is due on a Sunday or national holiday, information regarding the repayment of the financing will be forwarded on the next working day.

If the funded project is delayed, ALAMI will continue to monitor and communicate intensively with the Management of the Beneficiary regarding the project's repayment plan. ALAMI will also inform Funders regarding the results of the billing activities carried out, via email and application in the "Details of Beneficiary" section on the Portfolio page.

The repayment of funding along with the Return on the proceeds of funding for a project will be forwarded to the Funder's RDF.

Information regarding the maturity of the financing project can be seen through the funding calendar in the Funder's account. Meanwhile, more detailed funding information can be seen on the Portfolio page, in the Financing Details section.