Risk Reduction

Choice to Lower Investment Risk

We Are Possibly The 1st P2P Platform In World To Reward

Risk Reduction & Lower Financing Cost

When our issuers reduces their risk, they would get risk reduction incentives as illustrated below.
No. Risk Reduction Incentive Rate % (up to)
1

Invoice is INSURED against Bad Debt / Delayed Payments @90%

  1. Issuer has Purchased Trade Credit Insurance to protect up to 90% of losses due to the the following events:
    1. Insolvency
      Non-Payment as a result of Insolvency / Bankruptcy of the Buyer.
    2. Protracted Default
      Non-Payment after an agreed number of Months (usually after the Due Date of Invoice).
  2. Issuer has also assigned the Policy proceeds and endorsed the Loss Payee Clause to the Platform on behalf of Investors.
 0.50
2

Invoice is to Buyer that is Government of Malaysia / GLCs or its Agencies / Subsidiaries & Notified to the Buyer

  1. Issuer is a Supplier or Contractor to Government of Malaysia or Government Linked Companies (GLCs) or its Agencies such as:
    1. Government - Federal Ministries / Kementerian
    2. Acceptable GLCs by Platform's Credit Committee - eg. Telekom, Tenaga.
 1.00
3

Invoice is to Non-Govt. Buyer / Ultimate Holding Co / Sub. which has Networth > RM10m & Notified to the Buyer

  1. Issuer is a Supplier or Contractor to a subsidiary or the holding company that has > RM50m Cash & Cash Equivalents or a Networth of >RM10m for latest 2 out of the 3 available Past Years audited financials from Credit Reporting Agencies.

For example, if current evaluation date is 05/05/2020, the Platform can still accept Financial Reports for Financial year Ended 2018 and 2017 as Financial year ended 2019 usually is not readily available.

 0.50
4

Key Director's / Corporate / Third Party GUARANTEES

Key Director’s and/or 3rd Party GUARANTORS are given

 1.00
5

Keyman(s) Insurance Policy assigned to Platform

 0.50
6

Marketable Property @<60% OMV as collateral

 1.00
7

Issuer is owned >51% (Effective Shareholding) by Government of Malaysia/GLC or its Agencies/Subsidiaries

 0.50
8

Issuer is owned >51% (Effective Shareholding) by Public Listed Company with Networth of >RM50m

 0.25
9

Others risk REDUCTIONS to Platform

Any other risk REDUCTIONS offered by the Issuer and approved by MoneySave Credit Committee.

 As per investment note factsheet
Indicative* Discount / Rebates / Incentive Rate (Capped at Max. 6% p.a) Max. at 6.00%
Note: Other Risk Reductions accepted are at the absolute discretion of the Platform and may be revised from time to time.
Event Event
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