PunyaSendiri.ID — Rent-to-Own, Muslim-Friendly
🌙 Muslim-Friendly • Sharia-Aligned

PunyaSendiri.ID — Rent-to-Own for Electronics, Furniture & Lifestyle

Try first (12–24 months), then it becomes yours — with transparent, Sharia-aligned terms. Zero interest, clear fees, real ownership at the end.

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📊 Strategic Fit: Asia

  • Consumers prefer installments but avoid interest (riba).
  • Students, young families & urban migrants need “ready-to-use” essentials.
  • No dominant, clearly Sharia-friendly rent-to-own brand yet.

🧩 Core Categories (Phase 1)

  • 💻 Laptops
  • 🛏️ Mattresses
  • 🧊 Refrigerators
  • ⚡ Electric Motorbikes

⚙️ 3-Click Journey

  • Pick item → choose tenure (12/18/24 mo)
  • eKYC + instant scoring → monthly plan
  • Pay monthly → own at term end

❌ The Problem

  • High upfront cost, low credit card penetration.
  • Mistrust of interest-bearing loans; Sharia concerns.
  • Fragmented logistics & after-sales support.
  • Predatory rent-to-own terms in legacy models.

✅ Our Solution

  • Rent-to-Own (12–24 mo) → automatic ownership at end.
  • Transparent, fixed fees — no compounding interest.
  • Sharia-aligned structures (e.g., Ijarah/Murabaha-like flows).
  • Upgrade / Buy-out / Early purchase options.
  • Optional takaful (protection) & device care add-ons.

*We will work with local Sharia advisors/boards in each market for compliance and certification.

🛠️ Product & Operations

  • Partner OEMs/retailers; just-in-time fulfillment.
  • Alt-data risk scoring (utility, telco, payroll, device telemetry).
  • Same/next-day delivery via 3PL partners.
  • Refurb center & buyback for returns/early upgrades.

📦 Value-Adds

  • Upgrade Plan — swap to newer spec anytime with fee.
  • Quick Buy — settle earlier with transparent discount.
  • Referral Bonus — friends & family program.
  • Care+ — accidental damage cover (takaful partner).

💼 Business Model

  • Monthly rental fee (fixed), transfer of ownership at term end.
  • One-time admin & delivery fees (transparent).
  • OEM wholesale margin + end-of-term residual values.
  • Refurb/resale margin on returns & upgrades.
  • Optional add-ons: Care+/takaful, accessories, extended warranty.

🧮 Sample Unit Economics (Illustrative)

AssetCOGSTenorMonthlyGross Margin*
Laptop (entry)$40024 mo$26–$2924–30%
Fridge$30018 mo$22–$2522–28%
E-moto$90024 mo$70–$7820–26%

*Before CAC, default loss, servicing & logistics. Numbers are placeholders for modeling.

🌏 Market & Why Now

  • Massive demand for “use-now, pay-monthly” essentials in Asia/MENA.
  • Rising acceptance of Sharia-aligned financing alternatives.
  • Post-pandemic digital KYC & e-payment rails enable scalable RTO.
Initial Focus: Indonesia → Malaysia → GCC

🚀 Go-to-Market

  • University & worker housing funnels (bulk onboarding).
  • Co-marketing with OEMs & retail chains (aisle to app).
  • Sharia fintech & cooperative (koperasi) partnerships.
  • Influencer & community referral engines.

⚖️ Risk & Mitigation

  • Credit risk: alt-data scoring, deposits, caps, takaful.
  • Asset recovery: 3PL pickup, friendly buy-back, e-moto GPS.
  • Regulatory: local Sharia board advisory; consumer-friendly T&Cs.
  • Ops complexity: SOP with 3PL, OEM SLAs, refurb playbook.

📈 Traction Targets

  • Y1: 5,000 active contracts • $1.5M GMV • 2.5% monthly default cap
  • Y2: 25,000 contracts • $8–10M GMV • 35% blended GM pre-loss
  • Y3: 75,000 contracts • $30M+ GMV • Regional expansion

🗺️ Roadmap

  • Q4 ’25 — Pilot (Jakarta/Bandung/Jogja): laptops & fridges
  • Q1 ’26 — Add mattresses, e-motos; Sharia board sign-off
  • Q2 ’26 — MY & PH pilots; OEM & 3PL regional contracts
  • Q4 ’26 — GCC entry (UAE/KSA) with local partners

👥 Team & Partners

  • CEO — Go-to-market & consumer ops (SEA)
  • COO — Supply chain & refurb programs
  • CPO — Risk, scoring & Sharia product design
  • Key Partners — OEMs, 3PLs, Sharia fintech, cooperatives

💵 Funding Ask (Pre-Seed)

  • $750k round
  • Use of Funds:
    • 40% Inventory float & supplier deposits
    • 30% Product, risk engine & engineering
    • 20% GTM & partner onboarding
    • 10% Compliance, Sharia advisory & ops

📣 Let’s Build Ownership, the Right Way

We make essential goods accessible today — and help customers truly own them tomorrow, with dignity and transparency.

Impact: financial inclusion • asset ownership • circular economy
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© 2025 PunyaSendiri.ID — Rent-to-Own, Muslim-Friendly • All figures illustrative & subject to change.