The difference lies in the level of risk, rate of return, and list of borrowers.

Because the risk of KoinP2P Grade S is lower than Grade A, the yield offered is lower than other Grades.

In addition, because partners in KoinP2P Grade S are curated by the KoinWorks team very strictly, partners who join KoinP2P Grade S have met 2 conditions; has become a repeat borrower without a history of default and has a large social impact for informal workers in its business ecosystem.

The privilege of borrowers in KoinP2P Grade S is the existence of a partner guarantee, where partners who participate in KoinP2P Grade S will help ensure the smooth payment of borrowers.