Issuers
Seeking funding
Businesses that want to be funded.
Including
- Business groups
- MSMEs
Securities Crowdfunding
SharebiteSoftware for Securities Crowdfunding
A platform that lets businesses offer shares directly to investors through an open electronic system — software delivered to the crowdfunding operator, who runs it under its own brand.
The problem
Funding a business the conventional way is hard.
- 01
Conventional funding hurdles
The traditional funding process is not only complicated, it also leaves uncertainty about how funds are used and what returns to expect.
- 02
P2P lending and consumptive behaviour
Many businesses get caught in conventional financing, especially online loans and P2P lending, which often put them under financial pressure and encourage consumptive behaviour.
What the headlines keep showing
- Online loan arrears
- Bad credit records blocking jobs
- Fraudulent investment schemes
- Investment fraud convictions
Themes from Indonesian news coverage in 2023.
MSMEs in Indonesia
The businesses that carry the economy.
MSMEs play a vital role in Indonesia’s economy, and their number keeps growing every year.
- 60%+ of Indonesia’s GDP, about Rp8,573 trillion every year
- 97% of Indonesia’s total workforce, or 116 million people
- 65.4million MSMEs in 2019
Source: umkmindonesia.id
The solution
Securities crowdfunding.
Securities crowdfunding is a service in which an issuer offers shares and sells them directly to investors through an open electronic system network.
Issuer
A business that wants to be funded offers its shares.
Sharebite
The open electronic system the offering runs on.
Investor
Buys the shares directly and funds the business.
The platform
One platform for issuers, investors and regulators.
Issuers and investors use their own mobile and web apps. The Sharebite core manages both sides, the accounting and the securities, and connects out to the parties a crowdfunding offering involves — including a Sharia setup.
Apps
Issuer
Mobile & web
Investor
Mobile & web
App server
Serves both apps
Sharebite core
Runs every offering
- Issuer management
- Investor management
- Accounting & SCF core
- Securities products
- Investment risk management
Connected to
Through switching
- Dukcapil (civil registry)
- Custodian bank
- Third parties
Through web reporting
- OJK
- Internal teams
- Issuers & investors
Sharia supervision
- Dewan Syariah Nasional
The Sharia setup adds a connection to the Dewan Syariah Nasional for a Sharia securities crowdfunding offering.
Who it serves
Two sides of every offering.
Sharebite brings together the businesses that need funding and the investors who fund them.
Investors
Providing funding
The parties that provide the funding.
Including
- Corporate groups
- Other businesses (B2B)
- The general public (B2C)
Frequently Asked Questions
Everything you need to know about Sharebite.
Sharebite is securities crowdfunding platform software. It lets businesses offer shares directly to investors through an open electronic system.
Under OJK Regulation No. 57/POJK.04/2020, it is a service in which an issuer offers shares and sells them directly to investors through an open electronic system network.
Matajari provides the software. The crowdfunding operator runs the platform under its own brand.
Issuers — businesses that want to be funded, including MSMEs — and investors, from corporate groups and other businesses to the general public.
Yes. The platform architecture includes a Sharia setup with a connection to the Dewan Syariah Nasional.
Through switching: Dukcapil, the custodian bank and third parties. Through web reporting: OJK, internal teams, and issuers and investors.