investasi syariah dan zakat pendidikan

DANAdidikinvesting in Indonesia’s youth

future & dream

SPONSOR DECK

2

“Pendidikan ini sangat

membantu keluarga saya.

Kesempatan ini tidak akan

saya lupakan.”

- Tumpal Sihombing

mendanai pendidikan

pengembalian per bulan

(sistem bagi-hasil – berprinsip syariah)

Youth in Poverty – Indonesia

With 31+ million living under poverty, education is considered as a luxury

Most are illiterate. Placing Indonesia as the 2nd worst among the world’s 61

most literate nations

It is estimated 19.4 million youth (age 15 – 29) have not attended higher

education

5

No financing available

70% parents mention that tuition fees & financial are the

biggest challenge

Often loan shark (lintah darat) are the only funding

option, lending up to interest 1% per day

73% borrow funds externally

Pinjaman Pendidikan Mikro

(Micro Student Loan)

Lulus

dalam

Jumlah pinjaman

RP2 - 10juta< 18 bulan

Pendidikan

Siap Kerja

D1, D2, D3, D4,

S1

Umumnya:

Keluarga kurang mampu

generasi-1 ke pendidikan tinggi

Bekerja part-time, gojek sampai guru

Pelajar promosi

2 – 10% Bagi-Hasil

Sponsor investasi

KAMPANYE SEBELUM LULUS< 18 bulan

SESUDAH LULUS30 bulan

(cicilan minimum)

Pinjaman: Rp 2jt – 10jt Bunga 0%

(bila berpenghasilan)

atau

SEBELUM LULUS< 18 bulan

(Cicilan Minimum)

SESUDAH LULUS30 bulan

(Cicilan Bagi-Hasil)

Pinjaman = Rp 5juta

Sebelum lulus = 3 bulan

Sesudah lulus = 30 bulan

Tenor pinjaman = 33 bulan

Cicilan Bagi-Hasil

Persentase Bagi-Hasil = 5%

Bila penghasilan pelajar = Rp 4juta

Cicilan Bagi-Hasil = Rp 4juta x 5%

= Rp 200.000- /per bln Pengembalian maksimal ditetapkan

Pelunasan awal diperbolehkan

Jumlah bagi-hasil ditetapkan per tiap 3 bulan

Cicilan Minimum – Bunga 0%

Cicilan Minimum = Rp 5juta / 33 bulan

= Rp 151.515,- /per bln

ILLUSTRASI

Measurable impact

9

2.9xPENDAPATAN

NAIK

DIBANDINGKAN

ORANG TUA

Permanently breaking cycle of povertyObtaining an education can triple earning power, lifting income beyond $10 a day.

A micro student loan can create a lifetime impact.

media

DANA ABADIDANAdidik juga mempunyai dana abadi untuk menerima donasi

pendidikan & zakat pendidikan

Dana abadi ini akan bergilir setiap tahunnya

DANA ABADI Pinjaman Pendidikan

(student loan)

Dana pengembalian akan

digilir kembali

fundraising

13

info@danadidik.com

www.danadidik.com

registration &

application

listing

approve/reject

pay

registration

Rp 55rb

(US$ 4.0)

psychometric

test

campaign

Risk Management & Credit Scoring

Reference from friends

and institution

Data verification

when funding reaches 70%

interview documentation

data & documents

continue campaign

100%

withdraw fund

Every 30th

Sign pre-agreement

(student & co-signor)info interest rate

& key terms

Expected OutcomeVittana case study

These youth are destined to live with the

harsh realities of poverty like their parents.

They’re trapped without the education –

trade & skills – that could break the cycle of

poverty

The cost of this education? IDR 10mn

($760). This is an insurmountable gap,

equal to years of saving for a girl living on a

few dollars a day.

We can help bridge that gap.

Hillary Puspitasari

Hillary dreamed of being an international

accountant. However, when her family went

through financial distress, her dreams died

with it. Because of DANAdidik US$ 380 loan,

she graduated in 2016

More than 4 out 5 global youth live in

poverty