KoinP2P Grade S is a special KoinP2P product that offers lower risk with a bigger social impact.

KoinWorks curates partners who are repeat borrowers without a history of default and have a sustainable business to participate in this product.

These selected partners will help KoinWorks to channel loans to informal workers in its business ecosystem to develop businesses owned by these informal workers.

The businesses run by the partners and their networks are distribution of FMCG products, food ingredients, and beverages.

The advantage of KoinP2P Grade S that other Grades do not have is the assistance from partners to ensure smooth payments so that the risk of KoinP2P Grade S is lower than Grade A.

By funding KoinP2P Grade S, you also contribute to the business development of informal workers and help improve their social welfare.