ALAMI is a Sharia-compliant peer-to-peer (P2P) lending platform that connects funders with small and medium-sized enterprises (SMEs) seeking ethical financing. Operating 100% online, ALAMI offers a fast, secure, and transparent financing journey aligned with Islamic principles. The platform is ISO-certified and supervised by Indonesia’s Financial Services Authority (OJK), ensuring data protection and regulatory compliance. ALAMI provides various financing options including invoice financing, purchase order financing, ecosystem financing, supply chain financing, and business capital financing. It empowers users to either become funders supporting SME growth or beneficiaries seeking capital for their businesses.

Features

• 100% Online Process: Fast and hassle-free financing journey conducted entirely online.
• Sharia-Compliant Financing: Ethical financial services aligned with Islamic principles.
• ISO-Certified Security: Data protection guaranteed through standardized certification.
• OJK Supervision: Regulated and monitored by Indonesia’s Financial Services Authority.
• Multiple Financing Types: Includes invoice, purchase order, ecosystem, supply chain, and business capital financing.
• User-Friendly Interface: Simple and intuitive app design with Islamic features like Al-Quran and prayer times.
• Customer Support: Fast-response and helpful customer service team.
• Escrow & Virtual Accounts: Transactions conducted securely in compliance with POJK regulations.
• TKB90 Performance Metric: Maintains a high repayment rate (97.21%) indicating strong borrower reliability.
• Impact Reporting: Transparent reporting on economic impact and platform performance.

Benefits

• Ethical Finance: Offers a comfortable and principled alternative to conventional lending.
• Economic Empowerment: Supports SME growth and contributes to broader economic development.
• Trust & Transparency: Builds trust through clear processes and regulatory oversight.
• Accessibility: Easy onboarding for both funders and beneficiaries, even for beginners.
• Recognition & Awards: Winner of multiple awards including Best Islamic P2P Finance Platform (2020) and Global Winner for Best P2P Financing Platform.
• Community Impact: Bridges the gap between funders and SMEs, fostering inclusive financial growth.
• Scalable Engagement: Suitable for individuals, businesses, and institutions seeking ethical investment or financing.