The monthly financial report for Amartha P2P has been released; it's time for us to review it. I will conduct a performance review of the P2P portfolio in Amartha for July 2024
This month, I did not make any top-up.
The returns I received were Rp 155,737 plus Rp 1,479, making a total profit-sharing amount of Rp 157,216. There was an increase of Rp 18,225 compared to the previous month, which was Rp 138,991. This represents a significant increase of 13% compared to the previous month.
The principal installment of Rp 1,553,500 is not something I focus on much, as it is the capital I invested.
My investment in P2P Amartha is part of my retirement fund. At the time of writing this article, the target return is Rp 5,227,146 (2 times the minimum wage of Kendal Regency). With a return of only Rp 157,216, the fulfillment percentage is only 3.01%.
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).
The progress in my investment plan is not too aggressive because investing in P2P ties up the capital for a period of 52 weeks. It is evident that the progress has increased from 2.66% to 3.01%.
My minimum target to achieve by December 2024 is 50%.
The total number of my partners is 123, with the following categories: 112 partners are on time, 2 partners are 30-60 days late, 2 partners are 61-90 days late, and 7 partners are over 90 days late. This is beyond my expectations and turns out to be quite a lot. When looking at the remaining principal, those categorized as problematic amount to 5%. I have chosen partners with a credit score of A for 86 partners and A- for 73 partners.
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.
I hope to secure the necessary capital soon to expedite my Financial Freedom target.
Over the past 19 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 are Rp 9,296,619 with a total profit of Rp 2,449,046 (+21%). This means my profit percentage is 21%, which is good news for me. Moving forward, I will start topping up again.
The profit percentage I get, if reduced by the problematic partners, is 21% minus 5%, resulting in a profit of 16%.
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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