# ALAMI P2P Funding Syariah — Dapatkan Imbal Jasa Hingga 16% > Sharia-compliant P2P funding platform for Indonesian MSMEs with up to 16% annual returns. (iPhone/iPad app by PT ALAMI Fintek Sharia.) - Source: https://appshunter.io/ios/app/alami-p2p-funding-syariah/id1555600327 (this page in markdown: same URL + `.md`) - Developer: [PT ALAMI Fintek Sharia](https://appshunter.io/developer/1555600329) - Category: Finance - Price: Free - Rating: 5.00/5 from 1 App Store ratings · 51 written reviews indexed - Age rating: 4+ - Requires: iOS 15.1 · 66 MB - Languages: American English - Released: 2021-04-02 - Data updated: 2026-07-24 - Monetization: free with in-app purchases - User reviews in markdown: https://appshunter.io/ios/app/alami-p2p-funding-syariah/id1555600327/reviews.md ## What is ALAMI P2P Funding Syariah? ALAMI – The Best Peer-to-Peer Funding in Indonesia It’s time to #HijraInFinance with ALAMI Channel your funds to selected MSMEs from various industries that need sharia financing with their invoice guaranteed. Enjoy returns of up to 16% per year from your funding after the MSMEs invoice is paid off. Want to achieve your financial goals in an Islamic way and share a good impact on your surroundings? Choose ALAMI P2P Sharia-compliance Funding, a funding platform to fund selected Indonesian MSMEs with competitive returns. Operating since May 2019, ALAMI has been distributing more than IDR 1 trillion in business financing for hundreds of selected Indonesian MSMEs and made it easier for thousands of funders to continue developing their funds while continuing to have a social impact. 5 Benefits that you get as a Funder in ALAMI P2P Sharia-compliance Funding: • Impressive Return - Earn up to 14%-16% annual equivalent return • Safe, Easy, Fast - We choose the best MSMEs with strict risk analysis and you can access the options from anywhere through the app easily and quickly • Sharia-compliance - Reach your financial goals with blessings and peace by sticing to Islamic guidance • Social Impact - Encouraging economic turnover and supporting Indonesian MSMEs to launch their business Also, various interesting features: • Funding - Choose the MSMEs you want to fund, we provide a complete information that you need to make a decision • Portfolio - View a complete record of your funding, including the industry, the average percentage of return you enjoy, and the total amount of your funding along with the return. • Islamic Features - Achieve a life balance with features that make it easier for you to worship, you can read the Quran and its translation anytime and anywhere, Qibla directions are available to make it easier for you to pray when you have to do activities outside the home, Islamic articles and inspiration, and prayer schedules and countdowns the next prayer schedule for you to organize your daily life according to prayer times. Advance Islamic finance with #HijraInFinance with ALAMI P2P Sharia-compliance Funding For further information, contact us through: https://alamisharia.co.id/ Phone: (+62-21)311-161-91 E-mail: info@alamisharia.co.id Monday - Friday 09:00 - 17:00 WIB Follow ALAMI on: Instagram: @alamisharia Youtube: @alamisharia Facebook: @alamisharia Twitter: @alamisharia PT. ALAMI FINTEK SHARIA Plaza 89, Kav. X7, H.R. Rasuna Said Street, No. 6, Karet Kuningan, Setiabudi, South Jakarta, Special Capital District of Jakarta ## Key features - Sharia-compliant P2P funding - Up to 16% annual returns - Invest in Indonesian MSMEs - Invoice guaranteed financing - Funding portfolio tracking - Islamic lifestyle features ## Recent user reviews (10 of 51) All indexed reviews: https://appshunter.io/ios/app/alami-p2p-funding-syariah/id1555600327/reviews.md ### 1/5 — PT RUKUN RAHARJA TBK terlambat pengembalian dana ke investor padahal risk level A+ *2025-05-22, version 1.55.0* 3 tahun pertama oke gapernah telat. Tahun ini projek yg saya ikutin pengembaliannya telat dan belum jelas kapan. Tolong PT RUKUN RAHARJA TBK jangan dikasih risk level A+. Alami dibayar atau gimana kasih risk level tinggi? ### 5/5 — Great *2025-02-28, version 1.55.0* Jk pendek. Buat yg mau return diatas obligasi pas bgt. Pinter2 cek perusahaannya. Uda dari 2022 main di app ini so far aman. Pertahankan TKBnya. ### 2/5 — Please fix your KYC verification process *2024-09-04* I couldn’t create my account. Whenever I want to verify my account, there is an error “Format Address is not Correct” eventho I already filled up the form correctly ### 5/5 — Sempurna *2024-07-31, version 1.48.0* Hanya saja jatuh temponya tidak sesuai jadwal. Kami yang banyak invest 40jt dengan masing masing 1 jtaan. Lebih sulit ngetrack nya ### 1/5 — BUG *2024-04-07, version 1.47.0* Tolong dibenerin. Masa waktu ngisi data diri stlh registrasi, kena error bad request terus. ### 1/5 — Belum dilunasin udh lewat 1 tahun lebih *2023-12-15, version 1.44.1* IF.AKB20 saya belum juga dilunasi sampai skrg. Padahal jatuh tempo pelunasan harusnya November 2022. Gak ada pertanggungjawabannya uang kita gimana nasibnya. Jgn berlindung dibalik agama kalo kayak gini ceritanya ### 1/5 — Do not be fooled *2023-11-20, version 1.44.1* I decided to uninstall ALAMI Sharia and committed not to use it again because the reality is that their workplace is far away from sharia. It’s all just gimmick. Why? the following are the facts: 1. They perform financial engineering to hide non performing loan so the TKB90 looks good. 2. They perform financial engineering to collect funds from public, which should not be allowed from regulations of the financial services authority (OJK). 3. They perform financial engineering to disburse loan above 2 billion IDR for a single debtor, which again violates OJK regulations with the aim of increasing exponential credit growth (even though the loan is not appropriate to be given and has the potential to become non performing loan). 4. They look for sources of funds by making debts that are not sharia. 5. They subjectively fired more than 30 percent of their employees under the pretext of rightsizing. After that, they perform recruitment at the management / strategic level which was more expensive and recruited several functions that they already fired. Very funny. For those of you who want to invest, it's best not to use ALAMI. Look for other applications that are much safer, more reliable and pure sharia. ### 1/5 — Seleksi Penawaran Pendanaan Tidak Ketat *2023-10-16, version 1.43.2* Manajemen risiko yang sangat jelek, pendanaan yang ditawarkan di platform ini kurang diseleksi dengan baik sehingga performa buruk, proyek sudah telat 1 tahun, dibayarin pokok pinjaman aja tanpa bagi hasil, itupun dibayarin mulai 2027 dan baru lunas 2032. Payah sekali! Kalau bisa mau kasih bintang -1000. ### 5/5 — top *2023-08-25, version 1.42.0* terpercaya ### 1/5 — Not recommended app *2023-08-18, version 1.42.0* Ngasih rating 4 yang cukup moderat buat di invest tapi malah pendanaannya telat sebulan lebih dan ga jelas ini kapan pelunasannya ## Frequently asked questions about ALAMI P2P Funding Syariah ### What is ALAMI P2P Funding Syariah? ALAMI P2P Funding Syariah is a peer-to-peer funding platform operating in Indonesia. It allows users to channel funds to selected MSMEs that require sharia financing, with their invoices guaranteed. The platform aims to provide competitive returns while adhering to Islamic principles. ### What are the key benefits of using ALAMI P2P Funding Syariah? Users can benefit from impressive annual equivalent returns of up to 14%-16%. The platform emphasizes safety, ease, and speed by conducting strict risk analysis on MSMEs. It also offers sharia-compliance for peace of mind and enables users to make a social impact by supporting Indonesian MSMEs and encouraging economic turnover. ### How does the app support Islamic principles? The app is designed to be sharia-compliant, ensuring all funding activities align with Islamic guidance. Beyond financial features, it includes Islamic lifestyle tools such as a Quran reader with translation, Qibla direction finder, Islamic articles, and prayer schedules to help users maintain a balanced life according to Islamic practices. ### What kind of returns can I expect? You can expect to earn impressive annual equivalent returns ranging from 14% to 16%. These returns are realized after the MSMEs' invoices are paid off, providing a tangible benefit for funders who contribute to their growth. ### Is ALAMI P2P Funding Syariah available for free? The app itself is free to download and use. While the platform facilitates funding and investment, the monetization model is described as 'free with in-app purchases,' suggesting that while the core functionality is accessible without upfront cost, there might be optional features or services that incur charges. ## Version history (last 5 releases) ### 1.59.0 — 2026-07-21 Want to upgrade your portfolio? Update the ALAMI app first! Alhamdulillah, ALAMI is now available in a much-improved version. We’ve fixed several system bugs to ensure a smoother funding experience. In addition, we’ve added more detailed information for funders, making your funding experience clearer, more convenient, and more transparent. Pssst… check out the funding opportunities on ALAMI marked with BONUS EXTRA — there are returns plus bonuses waiting for you! ### 1.58.1 — 2026-04-23 Want to upgrade your portfolio? Update the ALAMI app first! Alhamdulillah, ALAMI is now available in a much-improved version. We’ve fixed several system bugs to ensure a smoother funding experience. In addition, we’ve added more detailed information for funders, making your funding experience clearer, more convenient, and more transparent. Pssst… check out the funding opportunities on ALAMI marked with BONUS EXTRA — there are returns plus bonuses waiting for you! ### 1.57.3 — 2025-12-18 Want to upgrade your portfolio? Update the ALAMI app first! Alhamdulillah, ALAMI is now available in a much-improved version. We’ve fixed several system bugs to ensure a smoother funding experience. In addition, we’ve added more detailed information for funders, making your funding experience clearer, more convenient, and more transparent. Pssst… check out the funding opportunities on ALAMI marked with BONUS EXTRA — there are returns plus bonuses waiting for you! ### 1.57.2 — 2025-12-15 Want to upgrade your portfolio? Update the ALAMI app first! Alhamdulillah, ALAMI is now available in a much-improved version. We’ve fixed several system bugs to ensure a smoother funding experience. In addition, we’ve added more detailed information for funders, making your funding experience clearer, more convenient, and more transparent. Pssst… check out the funding opportunities on ALAMI marked with BONUS EXTRA — there are returns plus bonuses waiting for you! ### 1.57.0 — 2025-11-17 Want to upgrade your portfolio? Update the ALAMI app first! Alhamdulillah, ALAMI is now available in a much-improved version. We’ve fixed several system bugs to ensure a smoother funding experience. In addition, we’ve added more detailed information for funders, making your funding experience clearer, more convenient, and more transparent. Pssst… check out the funding opportunities on ALAMI marked with BONUS EXTRA — there are returns plus bonuses waiting for you! ## Apps similar to ALAMI P2P Funding Syariah | App | Rating | Price | Category | | --- | --- | --- | --- | | [Bank Jago/Jago Syariah](https://appshunter.io/ios/app/bank-jagojago-syariah/id1539402234) | 4.8 (256) | Free | Finance | | [BYOND by BSI](https://appshunter.io/ios/app/byond-by-bsi/id6444697752) | 4.1 (17) | Free | Finance | | [GoPay: Transfer, Payment, QRIS](https://appshunter.io/ios/app/gopay-transfer-payment-qris/id6446321594) | 4.7 (578) | Free | Finance | | [DepositoBPR: Aman Dijamin LPS](https://appshunter.io/ios/app/depositobpr-aman-dijamin-lps/id1593828144) | — | Free | Finance | | [Stockbit - Stock Investing App](https://appshunter.io/ios/app/stockbit-stock-investing-app/id1184800207) | 4.6 (275) | Free | Finance | | [Bibit - Reksadana & Obligasi](https://appshunter.io/ios/app/bibit-reksadana-and-obligasi/id1445856964) | 4.8 (378) | Free | Finance | --- *Data collected daily from the US App Store and indexed by [AppsHunter](https://appshunter.io/). User reviews are verbatim App Store reviews. Ratings, prices and chart positions refresh continuously; this snapshot is from 2026-07-24.*