Credit Underwriting For P2P Customer (Personal/UMKM)

As one of the Non-Bank Institutions (INKB), P2P become an alternative for people to get credit facilities, especially for unbankable people. Unbankable people usually come from the micro-segment, and it's become challenging for the P2P platform since UMKM especially the micro business segment needs a different approach to underwrite compared with employee people.

Since P2P platforms usually have unsecured loan products with the fastest credit process, then P2P credit analysis has the challenge to underwrite their applicant. There are 3 things that P2P credit analysts must understand when performing credit analysis for the loan application:

1. Identify the applicant
2. Analyze the applicant's character
3. Analyze the applicant's capacity

Program Objective

1. Understand how to verify the applicant's profession
2. Measure applicant capacity
3. Analyze creditworthiness for UMKM
4. Identify credit parameters that can be used to build credit scores