KinerjaPay Corp (fka KPAY)

[John23V]

Limiting defaults, very smart. Keeping their TBK90 as high as possible. Will make a difference to lenders.

7. What is the borrowers credit score?
Credit score is a technology built by KFUND to select prospective borrowers. For prospective borrowers that we recommend for you to fund, we will categorize in the two categories of grade A1 (low risk) and Grade A2 (higher risk of Grade A1). We apply the yield according to the risk level where the returns received by the investor (lenders) also influenced the credit score of the borrower (borrower) financed. Accordingly, in line with the above risk level then the yield received by lenders for prospective borrowers with a Grade A2 category will also be greater than the prospective borrower category A1

This is a manifestation of our information disclosure to help investors in determining investment options with the level of risk and return to match the preferences of each Investor.