Griya Indah Madani Residence

Karawang, West Java
Pledged :
Raised :
  • Projected Return


  • Projected Timeline

    12-13 months

  • Fundraising Goal

    SGD $300,602.00

  • Raised

    SGD $301,249.74

  • Time Remaining

    0 day(s) to go

This campaign is fully funded.

About the campaign creator

azyan test test
Karawang, West Java
54 Campaigns | 0 Loved campaigns

Contact Info

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This project will provide 333 low income families with houses which they will fully own at the end of the project. A strategic location which is located in one of the fast-growing areas in west Java. A reputable project developer owning the land
and the equipment, making the project perform efficiently. The investment is backed by assets worth 150% above
the crowdfunding amount. This will protect the
investor’s principal.


Jasa Gramindo Berkah Madani

Gramindo is a service Cooperative with a savings, loans and compensation unit offering Grameen-based micro financing specifically for groups of women running Shariah observant businesses.

Gramindo uses Gayatri Microfinance platform as the Gramindo delivery channel for this business which focuses Gramindo’s efforts to improve the community’s standard of living via financial assistance to become a Madani community or a community of excellence. 

The Head Office is in Jakarta while the operational financing unit is in Yogyakarta. Running since 2018, Gramindo through the use of Financial Technology is now poised for better transaction speed, transparency and work effectiveness in line with the current millennial era. 


Okky F Achmad
CEO & Founder, Jasa Gramindo Berkah Madani

Experienced Group Head and a career banker. Skilled in Credit Risk, Risk Management, Banking, Loans, Collection and Credit Analysis. Strong micro finance professional.

SME & Micro Banking Group Head Bank Syariah Mandiri.


Access to Gramindo’s Escrow Bank Account.
Personal Guarantee Letter from the CEO.



This campaign is denominated in Indonesia Rupiah (IDR), and therefore impacts non-Indonesian Investors who have to bear FX risk should there be a depreciation in the IDR.There will be no exchange rate guarantee given or currency hedging done for investors. Instead, a higher projected ROI has been negotiated with the project company to account for exchange rate risks. The given projected ROI is the final returns investors should take into their consideration.

Risk Mitigation: There will be no exchange rate guarantee given or currency hedging done for investors. Instead, a higher projected ROI has been negotiated with the project company to account for exchange rate risks. The given projected ROI is the final returns investors should take into their consideration.



There are areas known to have non-performing financing, such as some areas in Sukabumi, West Java. Those areas have higher credit risk than other areas. The financing extended is not backed by asset collateral. 

Risk Mitigation: Financing will be distributed in Yogyakarta, a selected area that doesn’t have a history of non-performing financing. Although this kind of financing is not asset-backed, and there is risk to capital, Gramindo has refined their pipeline, scoring, disbursement, reporting and collection processes so that every application is properly analysed. 


Investors will appoint PT SMB to enter into a Mudharabah contract with Gramindo. The purpose of this Mudharabah contract is to allow Gramindo  to receive funding necessary for the financing of 1000 women in the Gramindo Group. 


Gramindo will receive the payments from 1000 women in 6 months, Gramindo will pay the investors their capital and profit.



This campaign facts and the content herein do not constitute as any financial advice, or solicitation for the purposes of making financial investments in Indonesia or other territories. is a platform specialising in the match-making of opportunities to those who register themselves as members on the Ethis platform. With regards to these opportunities, the need and onus to do due diligence lies squarely with our members as we do not profess to advise on the same. All dealings and transactions are directly with the businesses, project owners or authorised agents we refer to our members.

Invest any amount more than SGD 20,000 in this project and enjoy higher net returns.

Commit USD 100,000 or more in 3-5 projects and get access to exclusive deals and exciting discounts

Retail Investors

Become a retail investor by investing between SGD 3,000 and SGD 20,000

Silver Investor

Earn a 1% higher projected returns by investing between SGD 20,000 and SGD 100,000

Gold Investors

Earn higher returns on your investment by investing between SGD 100,000 and SGD 350,000

Platinum Investors

Get exclusive returns on your investment by investing amounts greater than SGD 350,000

Listed by

PT Fajar Intan Mandiri

PT Fajar Intan Mandiri (FIM) is a licensed property development company established in 2015. Since its inception, PT FIM has held a good track record of developing affordable and subsidized housing projects with a total GDV of SGD 5 million.


Track Record

Indah Kirana Residence

  • Affordable Housing
  • 33 Units
  • GDV : SGD 1.3 Million    
Bumi Kencana Permai

  • Affordable Housing
  • 20 Units
  • GDV : SGD 410,000
Rumah Hijau Residence

  • Residential Housing
  • 74 Units
  • GDV : SGD 1.4 Million


Supported by

APERSI Indonesia

PT FIM is also registered as a member of the APERSI, a property developer association. This membership provides the company with credibility from an industry perspective as property associations have very rigid criteria for the maintenance of membership.

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*Retail Investors: Base ROI
*Silver Investors: 1% higher ROI
*Gold & Platinum Investors: Exclusive ROI


Retail investors : 8% Silver Investors: 9%
Gold & Platinum Investors: Please get in touch with our investor relations to get exclusive returns on your investment

Risk Statement

The campaign duration is projected by the project owners, and based on information we receive from them. The actual completion of projects is subject to real world conditions, which may cause an extension of duration by 2 to 12 months. Any extensions will be informed to investors in projects updates. In the event of project or business failure in property projects in particular, a recovery process may be initiated to recover some or all of the capital invested.