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| Review of P2P Portofolio Performance on Amartha 2024-March |
It's been a while since I last updated the investment report on the Amartha platform. The last review I conducted was in August 2023. This time, I will be conducting a Portfolio Performance Review for P2P on Amartha in March 2024.
This month, I did not make any top-up.
The return I received is Rp 146,377 plus Rp 620, making the total return Rp 146,997. There is an increase of Rp 27,230 compared to the previous month's return of only Rp 119,767. This increase is quite significant, amounting to 23% compared to the previous month.
I don't pay too much attention to the principal installment of Rp 1,472,186, because this is the capital I have invested.
There were no other changes compared to the previous month.
My investment in P2P Amartha serves as my retirement fund. At the time this article was written, the target return was Rp 5,227,146 (2 times the minimum wage in Kendal Regency). With the actual return reaching only Rp 146,997, the fulfillment percentage is only 2.81%.
The returns from my investment plan will be used for living expenses. Of course, the minimum wage in Kabupaten Kendal may fluctuate, but my target ratio of 2x the minimum wage remains unchanged. Therefore, there is still 1x the minimum wage available for reinvestment (portfolio growth and the ability to beat 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 2.29% to 2.81%.
My minimum target to achieve by December 2023 is 50%.
The number of my partner registrations is 81 partners, with the breakdown as follows: 77 partners in the 'Current' category, 1 partner with payments delayed by 30 – 60 days, and 3 partners categorized as 'Less Current' (> 90 days). This aligns with my expectations, as I selected 28 partners with a credit score of A and 72 partners with a credit score of A-.
I did not choose any partners with a credit score below A because I am not very confident with partners rated B, C, D, or E.
What caught my attention is that, in March 2024, four partner experienced a payment delay.
So far, there are still more than 73 partners with a credit score of A in the marketplace.
If we assume an investment of Rp 5,000,000 per partner, the capital required for 73 partners would be Rp 365,000,000, with an expected return of Rp 43,800,000.
I hope to secure the necessary capital soon to expedite my Financial Freedom target.
Over the past 14 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.
When I look at my dashboard, my total assets amount to Rp 8,735,739 with a total profit of Rp 1,884,816 (+16%). Calculating the profit percentage, it reaches 16%, which is good news for me. Moving forward, I will start topping up again.
For friends who are interested in investing with Amartha, please click on the following link https://amartha.onelink.me/pqW7/referral
Disclaimer On !
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