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Summary

This video discusses the evolution of crowdfunding in Indonesia, with a focus on securities crowdfunding and its expanded function. Initially limited to equity-based funding, it now includes debt instruments and sukuk, with the OJK (Financial Services Authority) allowing small and medium enterprises (SMEs) to raise capital through these platforms. The video explains how this system works, including the role of intermediaries and the regulatory changes. It also highlights the investment rules, limits, and the challenges faced by SMEs outside Java in accessing this financing method. The segment concludes by mentioning the existing platforms recognized by OJK and the growing opportunities for SMEs.

Takeaways

• 😀 Crowdfunding, specifically securities crowdfunding, is expanding its role, allowing for more than just equity and Shariah-compliant shares. It now includes debt instruments and sukuk (Islamic bonds).
• 😀 The structure of crowdfunding resembles the stock exchange model where companies (specifically SMEs) seek funding by offering shares or securities to the public through a platform.
• 😀 OJK (Indonesia's Financial Services Authority) now allows SMEs to raise funds through not only equity but also debt securities, providing more flexibility for funding.
• 😀 Not all SMEs are eligible for securities crowdfunding. They must meet criteria like having a net worth of 10 billion IDR or less and a solid business model.
• 😀 Crowdfunding platforms act as intermediaries between SMEs seeking funds and the investors, facilitating transactions and ensuring transparency in the process.
• 😀 There are specific investment regulations for securities crowdfunding, such as a limit on the investment amount relative to the investor's income (e.g., 5% for those earning below 500 million IDR annually).
• 😀 After a year, investors can sell their equity in the secondary market, allowing for liquidity and potential returns on their investments.
• 😀 The maximum fundraising amount for an SME via crowdfunding is 10 billion IDR, and funds must be channeled through an escrow account managed by the platform.
• 😀 The regulatory framework for crowdfunding is intended to provide a solution for SMEs struggling to secure loans or access capital from traditional financial institutions.
• 😀 Four crowdfunding platforms are currently registered and authorized by OJK, with nearly 200 billion IDR raised for various SMEs. However, many crowdfunding services are still awaiting official approval from OJK.
• 😀 There is a geographical imbalance in the availability of crowdfunding platforms, with most authorized platforms operating in Java, making it more difficult for SMEs in other regions like Sumatra, Sulawesi, and Kalimantan to access these services.

Q & A

What is securities crowdfunding and how is it different from the initial equity crowdfunding?

Securities crowdfunding refers to a system where small and medium enterprises (UMKM) can raise funds not only through equity (shares) but also through other financial instruments such as bonds or sukuk (Islamic bonds). This broadens the scope of crowdfunding beyond just shares, making it more flexible for businesses.

What role does OJK play in securities crowdfunding?

The OJK (Otoritas Jasa Keuangan) is the regulatory body overseeing the securities crowdfunding industry in Indonesia. It ensures that the regulations are followed, including the legality of the companies offering crowdfunding services and setting the rules for both businesses and investors.

What are the key changes in the rules of crowdfunding according to the script?

The key changes include the expansion of crowdfunding instruments to include bonds and sukuk, the introduction of regulations for secondary market transactions after one year, and the setting of investment limits based on the income of individual investors.

What is the maximum amount a company can raise through securities crowdfunding?

A company (specifically a UMKM) can raise up to 10 billion IDR through securities crowdfunding, as per the new regulations set by OJK.

How does the process of crowdfunding work for a company seeking funds?

A company in need of funding registers with an approved crowdfunding platform. Once listed, the public can invest in the company by purchasing shares or other financial instruments like bonds or sukuk, depending on the offerings available.

What are the eligibility criteria for UMKM to participate in crowdfunding?

UMKM must be a legal entity such as a PT (limited company) or a subsidiary of a larger company, with net assets not exceeding 10 billion IDR. They must also demonstrate a viable business model and prospects to be accepted by the crowdfunding platform.

What is the purpose of escrow accounts in securities crowdfunding?

Escrow accounts are used to securely hold funds from investors before they are disbursed to the UMKM. This ensures that the funds are handled properly and only transferred when all the necessary terms are met.

How are investors protected under the new crowdfunding regulations?

Investors are protected by the requirement that the platforms be licensed by OJK, ensuring that the crowdfunding companies adhere to established rules and regulations. Additionally, there are limits on how much an individual can invest based on their income, reducing the risk of over-investment.

Can investors sell their shares in crowdfunding ventures?

Yes, investors are allowed to sell their shares on the secondary market after one year from the initial offering, providing an exit option for their investment.

What are the investment limits for individual investors in securities crowdfunding?

For investors earning below 500 million IDR per year, the investment limit is 5% of their total income. For those earning above 500 million IDR per year, the investment limit is 10% of their income.