Category: investing reviews

Koinworks Review: P2P Crowdlending


Halo semua! Today my review is going to be about Koinworks, a small-scale P2P lending service. Like most of these other investing platforms, Koinworks is monitored by OJK.

How it works: A company or person asks for a loan from other people, who are the “peers”. You and I can invest and support the company in getting this loan–you may only want to invest Rp. 500.000, and that’s fine.

  • You can invest as much or as little as you want, though the minimum is about Rp 100.000.

After logging in, this is what shows up.

  • The login screen is basically like a mobile webpage. A few months ago it was a normal desktop page, so I’m not sure what happened.
  • Browse in English or Indonesian.

Here you can see the list of investments you’ve made in your portfolio.

You can check the schedule by clicking “Jadwal”, which shows you the expected date of payment and how much you should receive. If you click on the date (blue underlined link) you will get to the next screen, which is a cost breakdown of the fees, total payment received.


Personally I really like Koinworks, much more than I expected to. I think if you are a student who wants to invest, then this would be a great way to get started. Stick with the A1-A4 investments to be safe, so that in case something happens your money will be returned.

Another thing I like about Koinworks is that everything is pretty clear. Unlike Tanifund, which gives you a prospects sheet, you won’t really get that with Koinworks. It’s a big trust thing, especially with P2P lending. You will get some basic information, like the name of the company, how much profit they make per year, etc.

It’s not as fun as crowd farming, but it certainly gets the job done.

Minimum investment: Rp. 100.000
Indonesian bank account
Cara isi saldo: Virtual account (BCA/CIMB Niaga) a/n pendana


-Easy to use.
-Clean and simple.
-Low starting cost.
-Different risks of investments for you to choose from.
-Guarantee that if the lender does not pay, then you will get your money back (for A1-A4 rated investments). 


-Desktop interface is kind of weird.

Feel free to see a comparison chart of all the investment programs I’ve reviewed so far here.



Vestifarm Review: Crowd-farming

Howdy! After reading a daily chat thread in r/indonesia I discovered that there are a few options to Tanifund, which like we saw earlier is a farm investing program that combines your funds with farmers who need them. Here’s a Vestifarm review for y’all today.

There are photos of the crops that you can invest in, which is nice.

When you want to look at the information about the program this is more or less what you see. I personally do not like the doodles–they aren’t very.. professional? I definitely prefer real photos.

Here’s a confusing “estimated earnings” sheet which I had to look over twice before understanding.

  • Most investment opportunities on this site are long-term and last for at least 2 years. However, there are also short-term investment opportunities that last 5 months.

Minimum investment: Rp. 1.500.000 – 2.500.000
Indonesian bank account

Pros of Vestifarm:

-Minimum investments are lower (around 1-2 jt).
-Shorter time periods make this a good option for short-term investments.

Cons of Vestifarm:

-Terrible UI. Absolutely not user-friendly at all.
-No photos and lack of detail creates distrust among users.
-Unclear calculations are difficult to visualize.
-No mobile application.
-Sells out very quickly.

Ick. The only reason I would use this service is if I wanted a short-term return. But I would do so begrudgingly, because I hate the user interface and the service is just so…. not intuitive.

Feel free to see a comparison chart of all the investment programs I’ve reviewed so far here.



Tanifund Review: Bantu Petani indonesia

Hello everyone! This is the second review in my mini-series about investment opportunities in Indonesia. I don’t know why I’m talking about investments on this blog, but I said I was going to be more honest and more open, so I guess this is just like… sharing what I’ve been interested in recently.


Tanifund won a competition a few days or weeks ago for being a promising startup, and that’s actually how I heard about it. You help contribute to capital for local farmers in Indonesia, who then use the funds to grow their farms.

  • Then, once the harvest is sold, the profits are shared–40% for the farmers, 40% for investors, and 20% for Tanifund. Tanifund works together with TaniHub, which already supplies a bunch of fresh food for local supermarkets like Giant and Hero.

Different choices available for investing.

  • Most investment opportunities provided by TaniFund last for one year, but there are a few that are long-term.
  • You won’t be able to access your money until the harvest and selling periods are over, so keep that in mind.
  • Different crops have different prospects, all of which are clearly outlined on their respective pages, and Tanifund provides photo updates every other month or so (it makes me really happy for some reason).

I appreciate how the calculations have all been clearly outlined, so investors can see how their money is going to be spent.

Here’s an example of the “updates” page under one crop that was funded a few months ago. You can see that they try to check in at least once a month. You can click on these for more information.

This is the nice thing, and probably what got me hooked on Tanifund in the first place. I like seeing the photos!

You can fund your account with a number of different banks. I really like how easy it is to get started.

Currently my money is locked away in the Durian/Mangosteen/Goat/etc. project for 15 years, but I’m hoping to make another investment once they open up another project.

  • Overall, I like how easy and friendly Tanifund is. The returns range from 10-40%, which is pretty reasonable in my opinion.

Minimum investment: Rp. 5.000.000 
Indonesian bank account
Cara isi saldo: Virtual account (BCA, BRI, dll) a/n pendana

Pros of Tanifund:

-Easy to use.
-Great UI.
-Photo updates.
In-depth prospects sheet (this is the most important for me).
In-depth updates.
Returns range from 10-40%.
-Clear 1) background about the crop, 2) prospect information, 3) risk information, 4) farmer information, and 5) calculations/cost breakdown.

Cons of Tanifund:

-Minimal Rp. 5.000.000 to invest.
-No mobile application.

Feel free to see a comparison chart of all the investment programs I’ve reviewed so far here.








Bareksa Review: Pengalaman Investasi Dengan Bareksa

I’ve always wanted to invest in retirement and in good causes, and I’ve recently been obsessed with finding Indonesian services that help lenders and investors….well, make investments. I’ve been meaning to share this for a few weeks. I’ve decided to turn this into a mini-series about investment opportunities in Indonesia. Here’s my first one, a Bareksa review.


Bareksa is, I’m guessing, a portmanteau of “bareng” and “reksadana”, which is the Indonesian word for mutual funds. This is basically a site where you can invest in different mutual funds, run by different managing investors. They’re certified by OJK, which is the authority on funds and finances and all that good stuff in Indonesia.

Making an account is super-duper easy. I stay at home most days and take care of Baby, so I try to minimize my time outside. Bareksa offers online registration (100% online!) which is really handy. I was able to create an account and have it ready within about 24-36 hours.

Take a look at all the available funds and sort them however you like.

Different funds have different returns (of course) and different managing fees, but it’s pretty fun to look at the different statistics and pick which ones you want to invest in. For now I’ve purchased some Sucorinvest funds (Maxi + Flexi). They do have some English-language pages, and I’m pretty sure as long as you have an Indonesian bank account you can invest in these funds. A handy prospects sheet is always provided with every fund, and there’s a ton of documentation, so I’d say it’s pretty safe.

You can click on a specific fund and get super in-depth information, like purchasing fees (if any), prospects, returns for different time periods, and even a handy Bareksa Barometer which tracks how well Bareksa thinks the fund will perform in the future.

The downloadable prospects page.

Personally I think Bareksa is a great choice for beginners. You can even choose to sign up for the Bareksa Fund Academy (BFA), which is a WhatsApp group created to help newbies learn about investing in mutual funds. The one problem with this is that it’s in Indonesian (I copy pasted everything in Google Translate, which worked well enough for me). They discuss the different types of funds (money market, fixed income, etc.) and answer any questions the group participants may have, which is awesome.

Downloadable facts sheet for the specific fund.

A closer look.

Minimum investment: Rp. 100.000-250.000
Requirements: Indonesian bank account

I’ll update this post in a few months to check back in!

Feel free to see a comparison chart of all the investment programs I’ve reviewed so far here.