Investree中小微贷款赌博失败：OJK在CEO承认后吊销执照

做的是什么生意

Indonesian peer-to-peer lending marketplace connecting investors directly to small-business borrowers.

启动资金：US$231 million Series D announced October 2022, led by Qatar's JTA International Holdings; DealStreetAsia's data shows the Singapore parent had raised US$31.7 million by early 2024.

起因

Founded by Adrian Gunadi in Indonesia, Investree built a peer-to-peer marketplace matching small-business borrowers with investors, growing into one of the country's better-known fintech names as marketplace lending boomed.

经过

It raised steadily and in August 2022 bought an 18.4% stake in Bank Amar to distribute loans through a licensed bank. In October 2022 it announced a US$231 million Series D led by Qatar's JTA International Holdings. Liquidity then tightened: disbursements ran late and operational costs outstripped cover. DealStreetAsia-reviewed documents showed Gunadi admitting he diverted company funds to his personal account and used Investree as guarantor for his private ventures; an EGM on 17 January 2024 slated sales chief Salman Baharuddin to replace him, and Gunadi resigned effective 31 January 2024.

结果

On 22 October 2024 OJK revoked Investree's business license, citing failure to meet minimum equity obligations despite earlier warnings and activity restrictions. The regulator ordered a shareholders' meeting to form a liquidation team and dissolve the company, barred Gunadi from key financial-industry roles, and began tracing assets.

可借鉴之处

一家依靠借贷资金和借贷信任增长的贷款机构，在增长目标和真正承保之间的夹缝中失败——在规模扩大之前，核实资金实际去向。