PROFIT

In April 2015 President Joko Widodo launched the ‘One Million Homes’ program, to build a million homes a year and end its critical housing shortage. The government provides subsidies for home financing, in an effort to remove the main barrier to home-ownership for low-income families. It also slashed the number of permits required for such projects, to encourage more developers to focus on social housing. This created the affordable housing ecosystem that the developers we fund operate in. 

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You invest to provide bridging finance to developers, speeding up the project which in turn lowers construction costs, allowing these developers to make better profits. Developers are thus happy to provide investors returns of 12%-16% in around a year. Ethis allows almost anyone to access and profit from this high-growth market through our award winning crowdfunding platform.

PEOPLE

A rapidly growing economy and booming lower-income population had resulted in a shortage of 11.4 million houses. To make things worse, up to 70% of those employed work informally, resulting in millions of people being excluded from banking and traditional finance. Although low-income, a large portion are actually stable earners yet many have no choice but to rent rooms or find temporary shelter for their families.

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Investing in housing developments we feature directly helps to address this issue by providing more affordable housing. Having a roof over your head has a huge psychological impact, underpinning ‘greater’ mental states of self-improvement and actualisation. The PEOPLE of Indonesia are in need of innovative solutions for their housing crisis. With Ethis you can measure the social impact of your investment through our SROI calculator, analysing and evaluating the social improvements you have created.

PEOPLE

A rapidly growing economy and booming lower-income population had resulted in a shortage of 11.4 million houses. To make things worse, up to 70% of those employed work informally, resulting in millions of people being excluded from banking and traditional finance. Although low-income, a large portion are actually stable earners yet many have no choice but to rent rooms or find temporary shelter for their families.

Read More

Investing in housing developments we feature directly helps to address this issue by providing more affordable housing. Having a roof over your head has a huge psychological impact, underpinning ‘greater’ mental states of self-improvement and actualisation. The PEOPLE of Indonesia are in need of innovative solutions for their housing crisis. With Ethis you can measure the social impact of your investment through our SROI calculator, analysing and evaluating the social improvements you have created.

POTENTIAL

The Indonesian economy has grown at over 4.7% every year since the Asian financial crisis of 1998. This incredibly consistent growth has put Indonesia on track to be the world’s 4th largest economy by 2030. Combined with Indonesia’s massive population of more than 262 million people, and its low banking penetration rate, the conditions are ripe for Fintech to boom. 

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The Indonesian government aims to have the largest digital economy in Southeast Asia by 2020. This has led to regulatory support for Fintech companies and already enabled 4 companies to reach unicorn status. Investing in the campaigns featured on Ethis Indonesia will allow you to take part directly in this exciting and lucrative growth market.