What Are Securities Crowdfunding? Know Understanding, Scheme And Benefits For MSME Actors

Illustration of crowdfunding (Photo: Pixabay/Tumisu)

YOGYAKARTA Micro, Small and Medium Enterprises (MSMEs) that are in need of funding to develop their business can take the securities crowdfunding scheme or fund-burdening services. This is an alternative financing scheme for fundraising through the capital market. The following is a complete explanation of what securities crowdfunding is, a scheme and its benefits for MSME players.

Adapted from the official website of the Financial Services Authority (OJK), crowdfunding securities (SCF) is a method of collecting funds with a joint scheme carried out by business owners or businesses to start and develop their business.

This business funding scheme raises investors to buy or obtain ownership through shares, proof of ownership of debt (bonds), or a joint ownership certificate (Sukuk).

The obtained shares are adjusted to the percentage of value and the amount of contribution.

Securities crowdfunding is a new version of equity crowdfunding. This scheme makes it easier for MSMEs who are still struggling to enter the capital market because their business entities do not meet funding criteria.

This system collects a number of investors who want to integrate together. Both parties, both investors and investment recipients, will both benefit.

Investors who are interested in this business financing scheme do not need to be afraid, because they already have a legal umbrella.

The rules regarding crowdfunding securities are contained in the Financial Services Authority Regulation (POJK) Number 16/POJK.04/2021 concerning Amendments to Financial Services Regulation Number 57/POJK.04/2020 concerning Offering Securities through Information Technology-Based Funds (Securities Crowdfunding) Services.

Securities Crowdfunding Scheme For Business Funding

As mentioned above, there are three procurement schemes in crowdfunding securities, namely stocks, bonds, and sukuk. Here are the details:

Benefits of Securities Crowdfunding

Securities crowdfunding provides a number of advantages for MSME players, investors, and organizers.

Some of the advantages obtained by MSME actors include:

Benefits for investors or investors:

Benefits for the organizers:

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