Eksplorasi - Persoalan pendanaan masih sering terjadi, khususnya pada pelaku UMKM yang ingin mengembangkan usahanya. Pasalnya, ada satu mantra sakti yang sering menjadi kendala saat pelaku usaha melakukan pengajuan modal kepada pihak bank, yaitu jaminan.
Apa jadinya jika jaminan yang dimiliki nilainya kurang dari biaya yang dibutuhkan? Tentu, bank akan keberatan untuk menggelontorkan modalnya, ditambah lagi dengan kondisi ekonomi Indonesia yang sedang tidak menentu. Semua harus serba hati-hati dan waspada.
Jika demikian, bagaimana mungkin ekonomi negara bisa berkembang secara agresif jika pendanaan untuk pelaku usaha masih menjadi kendala. Rasanya seperti berjalan ke gang buntu.
Ketika cara tradisional bank dinilai sudah tidak efektif dan efisien lagi, solusi pengembangan ekonomi dalam hal pendanaan terus bermunculan. Melalui laporan pertumbuhannya, Financial Technology di Indonesia memiliki laju yang sangat pesat dalam kurun waktu lima tahun terakhir ini.
Tercatat bahwa penggunaan fintech secara berurutan didominasi oleh penggunaan payment (39%), lending (24%), agragator (11%), crowdfunding (8%), personal planning (7%), dan lain-lain (11%).
Angin segar untuk pelaku UMKM hadir di akhir 2018 ketika perusahaan fintech equity crowdfunding Indonesia mulai bermunculan di Indonesia. Secara istilah, equity adalah istilah yang sering digunakan dalam bisnis dan keuangan yang merujuk pada hak kepemilikan usaha berdasarkan modal yang diberikan, atau popular dengan istilah “saham”. Sedangkan crowdfunding adalah kegiatan urun dana atau patungan.
Mungkin di antara kita sering melakukan hal ini, misal patungan membelikan hadiah, membelikan makanan, sedekah, dan sebagainya. Lalu Apa itu equity crowdfunding? Sederhananya, Equity Crowdfunding dapat dikatakan sebagai kegiatan patungan modal bisnis dalam bentuk saham.
Jadi, melalui kegiatan ini, setiap orang memiliki kesempatan untuk urun dana untuk membeli kepemilikan atau saham suatu bisnis. Pemilik saham berhak untuk mendapatkan bagi hasil dari bisnis yang didanai sesuai kepemilikan saham yang dimiliki.
Platform crowdfunding adalah solusi bagi kamu yang ingin memiliki penghasilan bisnis yang sudah berjalan. Di sisi lain, pelaku usaha juga terbantu karena memiliki alternatif pendanaan yang lebih adil.
Karena di Equtiy Crowdfunding, penerbit cukup berbagi hak kepemilikan usahanya seperti melakukan bagi hasil usaha setiap periode tertentu. Jadi, tertarik mencobanya?
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