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.








Holiday Gift Shopping

I’m a little sad today, because one of my indie perfumes fell to the floor and the glass cracked! Now our bedroom smells wonderful, but my perfume is gone T^T

The first issue that I’ve run into with these blogs: what do I do when I want to talk about the same thing on two different websites?! This was supposed to be a blog about my daily life, but I also want to share today’s topic (gifts) on Honeygotchi… and I don’t want that site to be penalized because of duplicate content… woe is me!

Oh well. Today’s all about 1) getting scripts done 2) revising the Big Important Project (that I actually had a terrible dream about–I dreamt that it launched and that no one came and that it turned out to be awful and no one gave me flowers or congratulated me, and it was so scary), 3) writing my next article, and 4) MAKING CHRISTMAS SHOPPING PLANS.

YES. It’s time! This year I’m not really shopping for that many people. My mom, brothers, husband, maybe my close friends… it’s been a pretty busy year, after all.

One thing you should know about me is that I absolutely LOVE giving gifts. (You know what? I’ll just talk about the process here, and share the finished products over on Honeygotchi. That way I can talk about the same thing, but in different ways). I love packing everything and just trying to figure out what to put inside and I love wrapping everything and making it look amazing ♡ So now that I actually have disposable income, you bet I’m gonna dispose of it the best way I know how.

I’m going to make care packages for my family, and then I’m going to go all out with some sort of “kit” for my husband. I’m also doing an exchange with @cherikitten, one of my new friends from Instagram. That’ll be a lot of fun… And I also signed up for Reddit Gifts so that I can join the Christmas exchange! I wonder who I’ll be paired with ♡

Just a quick update for everyone today. I went to the in-mall playground a few days ago with Baby. She gets cooped up a lot so I thought some happy time would be nice! And we also slept over at one of Mr. Husband’s friend’s houses so that he could get some help on his assignment.

To be entirely honest, I’m absolutely still struggling with the idea of “not being enough”. What is it about this world that makes us feel so inferior? Confession: I’ve been thinking about deleting social media, so that maybe I can finally stop comparing myself with other people.. Still, those are really just passing thoughts. For now, I’m going to keep on keeping on, with social media and all of my other projects. I finally finished work on the Big Important Project, so hopefully the rest of the year will end nicely.

How are you doing? Any fun plans in store for the holidays? ♡ (I can’t believe Thanksgiving is next week!).

An influx of random indie perfume + investing plans ♡

Okay, so some of you may know that I am a total perfume freak (or am slowly developing into one). I blame it on r/indiemakeupandmore over on Reddit. Anyways, here’s the deal. I keep buying stuff! One of my favorite brands right now is Poesie Perfumes, but I am a bit fond of Solstice Scents too. Granted, those are the only two perfumeries I’ve tried, but…hehehe.

Let’s face it. No one wants to read blogs from boring, fake people about their perfect lives. I kind of mentioned this in my first post, right? It just seems so insincere. Usually when we read blogs we want to connect with the person writing, right? That’s why I’m going to try and be as honest as possible here. (I had a horrible run in with someone nosy who read my blog a year or so ago, and I’ve actually had a hard time getting over that. It was pretty weird, knowing that some creep was Insta-stalking and blog-stalking my website and then trying to interrogate Mr. Husband about my life).

I’m one of those Ju-On kind of people, I guess, always nursing a grudge. I’m trying to be better about it..

Anyways, what else have I been up to lately? Not much, really. I’ve been working my butt off on these video scripts, which is actually a lot of fun. I’ve also been scraping away at my ~secret project~, trying to get it done before the month is over. I’m thinking of it as my NaNoWriMo, even though I was already 35,000 words in when November rolled around. I will officially announce that some time soon, I promise!

I have an issue, guys. I keep doing all this crap to try and prove to myself that I’m worth something. I keep writing and writing and writing and sending query letters and pitches to online publications, and writing poetry, and doing this and that. I’m not even that old yet. And I keep pushing myself to do too much stuff. I’ve been trying to figure out what I’m so afraid of. What am I running for? Who am I running towards?

I think it has something to do with my terrible feeling of inadequacy, which permeates most things I do. I always feel like I’m doing something wrong or that I’m imperfect, so I have to make up for it with a bunch of accomplishments. That way I’ll still be valuable. That’s the trap a lot of my friends have gotten caught in, apparently. I hope I can raise my baby better. I want her to know that she’s always loved, and that she’s valuable simply because she was born. She won’t have to do anything extra to earn my love.

Aside from Bareksa I’ve also been messing around with Tanifund and Bitcoin.co.id, though I’m not making much headway there. I’m too shy, I guess! I’ll make sure to write a review of those as soon as possible. To tell you the truth, I’m having a lot more fun on my beauty blogging website right now…

Mr. Ebi has been working on his TGA (thesis, because in Indonesia even undergraduates have to complete those) for the past few weeks. It gets kind of rough, especially with Baby on our hands. But we’re making it work so far.

I hope everyone’s having a nice day! Don’t get too stressed out about anything.

All my love,
Ebi ♡

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.





Hello world!

I have started and restarted this blog a number of times, and this is the umpteenth time doing so because for some reason, all of my files have disappeared. Unfortunately, I do not feel like uploading 700 MB of data and waiting 4+ hours for a backup that may not even restore properly, so we are starting all over again!

I feel like nowadays, everyone on the Internet is either incredibly guarded or incredibly fake. To tell you the truth, I long for that period of time ten years ago on LiveJournal and everywhere else, when people would overshare ridiculous stories about their day and form little, warm communities.

It seems that every other blogger on the Internet in the past few years is just incredibly phony (thanks, Holden Caulfield). They create these shiny, smooth surfaces that are wonderful to look at, but once you knock on them, you’ll find that they’re hollow. Whenever I open a blog, it just feels like I’m being targeted by a machine and that I”m reading about companies, not people.

And what’s with the whole “hustle” and “online business guru” mindset that so many copywriters have nowadays? Half of the time I hear about (or from) copywriters, it’s because they’re advertising for some ridiculous $500 course full of rehashed information that’s easily available online. It just sounds cheap and disingenuous.

Anyways–first and foremost, I am a writer, not a businessman or a marketer. I love words, and I love the act of creation. I am inspired to write because I have seen firsthand how powerful language can be in the hands of those who wield it properly.

Welcome to my blog, warts and all. I’m trying to care less about superficial things and to live more authentically. I’ll probably use this website as a place to host my daily thoughts, sell my books, gently advertise my writing services, and compile all of my works so far.

I hope you enjoy your stay.

Warmest regards,