INVESTMENT 06/I/18-PR

Description

Pendanaan Proyek Properti No. 6/XI/2017

Business Description

This cluster is developed on an area of 600 m, located near the most premium house in the Cirendeu Raya, South Tangerang region. The Land Owner has signed a Sharia cooperation contract with a developer that is experienced in that region. There will be 5 home units developed in this area with a minimalist design and 2 floors, type 100m on 90m of land. Each unit will be priced at 1,5 – 2 Billion Rupiah. The Project Owner has signed a Sharia Agreement Contract (Joint Operation) with a representative from PT Dana Syariah that has been assigned to represent Lenders and make sure that the Funds will be used according to the agreed project proposal.

Investment repayment and profit sharing schedule

Fund Proposes	:	Rp. 2.000.000.000,-
Sharia profit sharing	:	18% Per year
Tenor/Term	:	24 Months
Principal repayment schedule	:	Every 6 months (@ 500M)
Monthly Profit Sharing	:	1 time every month for 24 months
Final Profit Sharing	:	1 time at the end contract period

Buying Price	Selling Price	Net Profit	Term	Profit Margin (%)	% profit Sharing (year)	Monthly profit sharing (Rp) 8 times	profit sharing at end contract (Rp) 1x
2,000,000,000	2,720,000,000	720,000,000	24	36%	18%	24,000,000	144,000,000

*) Investor may withdraw fund at any time and Dana Syariah will guarantee repayment fund will be transfer into investor bank account within 3 (three) working day(s) regardless availability of new investor. Investor who withdraw their fund will give up his/her right of current monthly profit sharing onward and 20% undisbursed previous monthly profit sharing.

Profit Sharing Simulation of Rp. 10 Million (Profit Sharing disbursement is 1 time for every month for the period of tenor/contract and onetime payment at the end of contract period Note: First profit sharing payment is 35 (thirty-five) days upon crowd funding end period and fund has been allocated to project owner)

Month	Principal	Profit Sharing (18%/Year)			Payment
		(10jtx18%)*80%¹⁾	(10jtx18%)*20%²⁾		Disbursed	Disburse at the end of Contract
1	0	120,000	30,000		120,000	30,000
:	:	:	:		:	:
24	0	120,000	30,000		120,000	720,000
25	10,000,000	720,000		³⁾	10,720,000		⁴⁾
Total	10,000,000	3,570,000		⁵⁾	13,570,000		⁶⁾

Note:

¹⁾ Monthly profit payment disbursed is 80 % of monthly profit payment ²⁾ 20% of monthly payment will be disburse at the end of contract period. ³⁾20% Undisbursed monthly profit payment. ⁴⁾Payment at the end period contract = principal fund + undisbursed monthly profit payment (see note no ³). ⁵⁾Total repayment received by investor (principal fund + monthly payment)