Validus 17
Your investment in Validus supports 425 small entrepreneurs in Indonesia, giving them access to working capital and economic stability. This enables them to grow their businesses, create jobs, and make essential products more accessible in their communities.
€80,000
6.00%
12 måneder
6 måneder
USD
ValutaBeløp | €80,000 |
Interesse | 6.00% |
Modenhet | 12 måneder |
Tilbakebetalinger | 6 måneder |
Valuta | USD |
Prosjektet
Please note: 1st and only notional payment after 12 months. Interest payment after 6 and 12 months.
Julius started as a grocer and over the years built a small distribution company in East Java. In the rural areas of Indonesia, it is often difficult to find a job. Many people lack access to stable employment and essential goods. Julius' company plays an important role in improving this situation.
His distribution company received a bank guarantee from Validus, which was crucial as it allowed him to borrow money without collateral. With this financing, Julius was able to expand his business, hire more staff, and improve the distribution of goods. The company primarily supplies wholesalers and employs 100 people in the distribution center. Additionally, the company provides jobs for delivery personnel who use scooters and trucks. In total, around 350 people work for Julius' distribution company. This means that hundreds of families now have a stable income and access to basic necessities like rice and sugar.
With your investment in Validus, 425 entrepreneurs in Indonesia, like Julius, can expand their small businesses and improve the quality of life in their communities.
What social impact does your investment have?
With these funds, Validus provides microloans to more than 425 small and medium-sized enterprises in 26 different provinces in Indonesia. Many of these companies operate in the distribution sector and specialize in consumer goods, pharmaceuticals, and other industrial products. This makes medicines and consumer products more accessible to people in both urban and rural areas.
Validus plays an important role in this development by establishing distribution networks that support more than 500 suppliers. This stimulates the local economy and promotes employment. Entrepreneurs who borrow through Validus have increased their workforce by an average of 12% and their revenues by an average of 17%, a rate higher than the average growth of 5% for SMEs.
What financial return could your investment generate?
- Annual interest rate 6%.
- The maturity of the loan is 12 months.
- Bullet loan: the first and only repayment of your investment will be made after 12 months. Interest payments happen after 6 months and 12 months.
- With an investment of 1,000 euros, your expected total repayment would be 1,060 euros.
- Please consider that although you invest in EUR, the loan is in USD, so there is a risk of exchange rate fluctuations between dollars and euros. For more information on potential exchange rate risks, please visit our currency page.
The story of Validus
Validus is a digital lending platform that has been registered with OJK* since 2018 and holds a full license. The platform quickly and efficiently provides online credit to SMEs without the need for physical bank visits. Validus focuses on the distribution sector and has facilitated over $950 million in loans for micro and small businesses in the ASEAN region to date.
The platform uses large amounts of data to provide financing to companies that cannot obtain traditional bank loans. Validus manages a loan portfolio of more than $170 million and has over 2,700 active SME borrowers.
*OJK is an independent institution that regulates and oversees the financial services sector in Indonesia.
Selskapets navn | Validus |
ADMINISTRERENDE DIREKTØR | Nikhilesh Goel |
Grunnlagt | 2015-01-01 |
Beliggenhet | Singapore |
Sektor | Distribusjon og prosessering |
Omsetning | $2,500,000 |
Ansatte | 297 |
Kredittpoeng | B+ |
Påvirkning
Validus har som mål å forbedre livene til alle som er involvert i SMB-ene de betjener, inkludert kundene, de ansatte, de ansattes familier og ikke minst bedriftseierne selv. Siden 2015 har den digitale utlånsplattformen finansiert over 1 milliard dollar til små og mellomstore bedrifter i Singapore, Indonesia og Vietnam. Entreprenører i Sørøst-Asia står overfor et enormt finansieringsgap. Bare i Indonesia er små og mellomstore bedrifter på jakt etter 160 milliarder dollar for å kunne utvide virksomheten sin. Ved å tilby dem finansielle tjenester bidrar Validus med sårt tiltrengt finansiering i regionen og bidrar til finansiell inkludering i Sørøst-Asia.
Så langt har små og mellomstore bedrifter som har fått finansiering gjennom Validus, kunnet øke antall arbeidsplasser med 12 % i gjennomsnitt. Kunder som har fått støtte fra Validus, har i gjennomsnitt økt inntektene sine med 17 %, sammenlignet med den gjennomsnittlige veksten i SMB-er på 5 %.
BMs påvirket
Med dette prosjektet bidrar du til følgende mål for bærekraftig utvikling:
BM 1 - Ingen fattigdom
BM 8 - Anstendig arbeid og økonomisk vekst
Les mer om påvirkningen du kan gjøre gjennom plattformen vår og BMs på vår side om påvirkning.
Relaterte blogginnlegg
Les mer om Validus i introduksjonsblogginnlegget deres her.
- Med denne investeringen skapes 9 arbeidsplasser
- Med denne investeringen får 425 bedre liv