The increase in portfolio is calculated from the amount of fresh funds used for reduced funding (-) with the total amount of funds withdrawn from the portfolio for 1 month.
To find out how to calculate your portfolio increase in KoinWorks, you can see the example below.
Example 1 Portfolio Increase Simulation
|
1 Month Tenor |
3 Months Tenor | |
|
Maximum Portfolio on February |
25 Million | 25 Million |
|
Funding with new funds/deposit (March 10) |
+100 Million | +150 Million |
| Funding due & not reused to fund (March 31) | -25 Million |
0 |
| Portfolio Increase
*Calculated from funding with new funds – Funding is due & not reused to fund |
+75 Million |
+150 Million |
| Total Portfolio Increase |
+225 Million |
|
In February user A have a portfolio of 25 million (1 month tenor) and 25 million (3 -month tenor).
Then on March 10, they made funding with new funds of 100 million (1 month tenor) and 150 million (3 months tenor).
Then currently the total portfolio increase is 100 million (1 month tenor) and 150 million (3 -month tenor).
On March 31 they received funding that had matured and was not used to fund 25 million.
Then currently the total portfolio increase is 75 million (1 month tenor) and 150 million (3 -month tenor).
Thus, the total increase in user A’s portfolio is 225 million (75 million in a 1 -month tenor and 150 million in a 3 -month tenor).
User A is entitled to receive a bonus of Rp375,000 from 34.78% (1 month portfolio increase) and 65.21% (an increase in a 3 -month tenor portfolio).
Example 2 Portfolio Increase Simulation
If the amount of funds deposited by user A during the promo period is smaller than the portfolio increase at the end of the promo period.
So, the bonus is determined based on the amount of funds deposited.
| 3 Months Tenor | 12 Months Tenor | |
|
Maximum portfolio in February |
25 Million | 500 Million |
|
Yield that is used for re-funding (March 10) |
0 | +70 Million |
| Funding with new funds / deposit (March 31) | +65 Million |
+35 Million |
| Portfolio Increase
*Calculated from funding with new funds + yields + funding due & re – use to fund |
+65 Million |
+105 Million |
| Total funding with new funds |
+100 Million |
|
For example, user A has a portfolio of 25 million (3 -month tenor) and 500 million (12 -month tenor).
Then on March 10, they received a yield from his funding of 70 million and on March 31 made funding with new funds of 65 million (3 -month tenor) and 35 million (12 months tenor).
So, currently the total increase in portfolios is 65 million (3 -month tenor) and 105 million (12 -month tenor).
Thus, the minimum new funding and the increase in user A’s portfolio is 100 million.
Thus, the bonus received by the user is Rp385,294 which comes from 38.23% (an increase in a 3 -month tenor portfolio) and 61.77% (an increase in a 12 -month tenor portfolio).