Performance Review of P2P Portfolio on Amartha for July 2023

Nusantarainvestasi.com - Passive Income Monitoring for P2P Amartha

I have received the investment report for July 2023 on the Amartha platform.

This month, I made a top-up of Rp 6,440,860. Quite a significant amount for me.

The return I received was Rp 40,540. There was an increase of Rp 30,720 compared to the previous month's return of only Rp 9,820. This is a significant increase of 313% compared to the previous month.

The principal installment of Rp 348,000 doesn't concern me much, as this is the capital I've invested.

There are no other changes from the previous month.

My investment in P2P Amartha is for my retirement fund. As of the time this article is written, the target Return on Investment is Rp 5,016,598 (2 times the regional minimum wage in Kabupaten Kendal). With the current return of only Rp 40,540, the achievement percentage is only 0.808%.

The results of my planned investment will be needed for living expenses. Of course, the regional minimum wage (UMR) in Kabupaten Kendal will fluctuate, but the ratio I am targeting, which is 2 times the UMR, is already certain. This leaves me with 1 times the UMR to reinvest (portfolio growth and capable of beating inflation).

I plan for a relatively conservative approach in the progress of my investment, as P2P investments tie up capital for a 52-week period. It's evident that the progress has increased from 0.196% to 0.808%.

My minimum target to achieve by December 2023 is 50%.

The total number of partners in my portfolio is 16, with 13 partners categorized as On Time, 2 partners as Early Settlement, and 1 partner in Pending Disbursement. This aligns with my expectations. I've chosen Credit Scores of A for 9 partners and A- for 8 partners. I didn't opt for Credit Scores below A because I'm not very confident about partners with Credit Scores of B, C, D, or E.

So far, there are more than 60 partners in the marketplace with a Credit Score of A.

If it's assumed that each partner invests Rp 5,000,000, then the capital required for 60 partners would be Rp 300,000,000 with a Return on Investment of Rp 34,500,000.

Hopefully, I will soon acquire the required capital to accelerate my Financial Freedom goal.

Over the past 4 months, my investment experience with P2P Amartha has been quite positive. Regular returns every week have made me satisfied. That's all for sharing about my P2P investment in Amartha.

For friends who are interested in investing with Amartha, please click on the following link https://amartha.onelink.me/pqW7/referral

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