KoinWorks is committed to always conducting in-depth and comprehensive analysis in selecting prospective borrowers so that only the best loans you will fund at KoinWorks.
However, as in other investments/funding, the risk of funding at KoinWorks cannot be completely eliminated.
You need to know that everyone has a different risk tolerance in investing, namely:
- Aggressive: People with high risk tolerance. Always have a target to get a high return and ready to bear high risk in investment
- Moderate: People with moderate risk tolerance. Have an investment target to get enough profit, but the risk tolerance is not as high as the Aggressive type
- Conservative: People with low risk tolerance. The investment target is to minimize the risk of loss as much as possible, but the profits obtained also tend to be low.
Find out your risk profile in KoinWorks app by following these steps:
- Open the KoinWorks app, click the “Profile” page or click the human icon in the upper left corner
- Click “Risk Profile”
- Answer the questions given
- The results of your risk profile assessment will appear.
The following are the funding risks at KoinWorks and the mitigations that KoinWorks undertakes:
| KoinP2P | |
| Risk | Risk Mitigations |
| Failed to pay | Provision Fund
We will provide protection for your capital (excluding interest) according to this:
|
| Late payment | Late payment fee
|
| KoinRobo | |
| Risk | Risk Mitigations |
| Failed to pay | Automatic diversification to multiple funding. Funds are only allocated to the best quality loans. |
| KoinGold | |
| Risk | Risk Mitigations |
| Price reduction | Auto Sell feature to increase investor/lender’s chance to get profit without always monitoring the gold price |
| KoinBond | |
| Risk | Risiko Mitigations |
| –
KoinBond provides government bonds that is protected by law. |
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