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Modalku is a peer-to-peer lending platform that connects small and medium-sized enterprises (SMEs) in Indonesia with individual and institutional lenders. The platform provides business loans to SMEs, which can be used for various purposes such as working capital, business expansion, and equipment purchase. Modalku's business model involves facilitating the lending process by matching SMEs in need of financing with investors looking to earn returns by lending money. The platform conducts credit assessments and risk evaluations of the SMEs to determine their creditworthiness and assign an appropriate interest rate for the loan. Investors can then choose which SMEs to lend to based on their risk appetite and investment preferences. Key features and services offered by Modalku include: 1. Online Loan Application: SMEs can apply for loans through Modalku's online platform, streamlining the application and approval process. 2. Investor Dashboard: Investors have access to a dashboard where they can view available loan opportunities, review SME profiles, and make investment decisions. 3. Risk Assessment: Modalku conducts thorough risk assessments of SMEs, taking into account their financial performance, industry outlook, and other relevant factors. 4. Diversification: Investors can diversify their investment portfolio by lending to multiple SMEs, spreading their risk across different businesses. 5. Interest Income: Investors earn interest income on the funds they lend to SMEs, with the potential for higher returns compared to traditional savings or investment products. 6. Monitoring and Collections: Modalku monitors the performance of the loans and handles collections from SMEs, providing support to investors in case of delinquency or default. 7. Regulatory Compliance: As a financial services provider, Modalku operates in compliance with relevant regulations and is licensed by the Financial Services Authority of Indonesia (OJK). Overall, Modalku aims to address the financing needs of SMEs in Indonesia by providing a platform for efficient and transparent peer-to-peer lending. It offers opportunities for investors to participate in SME financing and potentially earn attractive returns while contributing to the growth of small businesses in the country."

• Peer-to-peer lending platform connecting SMEs with individual and institutional lenders, Business loans for working capital, expansion, and equipment purchase, Facilitates the lending process by matching SMEs with investors, Conducts credit assessments and risk evaluations of SMEs, Investors can choose which SMEs to lend to based on risk appetite, Online loan application for SMEs, Investor dashboard for viewing available loan opportunities, Risk assessment considers financial performance and industry outlook, Diversification of investment portfolio by lending to multiple SMEs, Investors earn interest income on funds lent to SMEs, Potential for higher returns compared to traditional savings, Monitoring and collections support for investors, Regulatory compliance and licensing by the Financial Services Authority of Indonesia (OJK), Aims to address SME financing needs in Indonesia, Provides opportunities for investors to participate in SME financing, Contributes to the growth of small businesses in Indonesia