Want to have passive income, but are confused investing? Read the following review, why should you choose investment in P2P Lending as a source of passive income.
Having passive income is fun. In addition to increasing income, also to free up your financial Especially in today’s modern age, life requires a lot of money. Not only for basic needs, but also lifestyle needs such as holidays, hobbies, and so on. To be able to fulfill all that, you must prepare for future finance as early as possible. One of them is by investing or getting passive income.
There are many ways to invest, starting from stocks, gold, mutual funds, property and so on. Adjust investment to your risk profile. Well, if you are not a person who likes to take big risks, do not have much time or resources to pay attention to fluctuating capital markets, but the benefits obtained have the potential to increase your coffers, then investing in the way of peer to peer lending can be an option right. Why? Here’s the reason.
Peer to peer lending is a loan investment scheme that connects fund owners with loan seekers on a digital platform. For investors, this type of investment is very easy for those of you who want to get passive income without wasting a lot of time. Simply channel selected funds to borrowers that are already available on the platform. You will get profits from the rewards paid by the borrower. The amount is also listed in the campaign, along with the risk rating.
P2P Lending is an investment scheme that is currently on the rise in Indonesia. The potential for compensation is also quite large, which is to get a reward of up to 20-30% per year. P2P Lending can manage your investment portfolio online so risk management can be more controlled.
Through P2P Lending , your investment will be more flexible because you can channel your funds to borrowers with different levels of risk. The borrowers who apply for cash loans must pass the credit scoring process carried out by the P2P Lending platform.
The platform will classify the borrower to the level of risk that potential investors must know. After this classification is displayed on the platform, you as an investor are free to choose to fund the type of loan that is available. You can also divide your investment funds into several classifications of loans at one time for different investment portfolios.
Guaranteed security in transacting on the P2P Lending platform is highly preferred. Investors have the right to know the type of risk that will be taken before putting the money on the platform. There are two main risks in investing in P2P Lending, namely the risk of default and also the risk of fraud.
To prevent this risk, the P2P Lending platform will verify and select loan applications that come to ensure that the identity used by the borrower is genuine, and has the ability to pay the principal loan plus the cost. In addition, the P2P Lending platform must also be registered with the OJK so that all transactions on the platform can be monitored.