Bizhare

Established in 2017 under the legal name PT Investasi Digital Nusantara, Bizhare operates as a securities crowdfunding platform based in South Jakarta, Indonesia. The company was founded by Heinrich Vincent, Giovanni Umboh, and Gatot Adhi Wibowo to bridge the funding gap for Indonesia's micro, small, and medium enterprises (MSMEs). The founders' backgrounds in investment and finance spurred the creation of a platform that applies the concept of Real Estate Investment Trusts (REITs) to make business ownership accessible to the general public with smaller capital. Heinrich Vincent, the CEO, and Giovanni Umboh, the CTO/COO, were both recognized in Forbes' 30 Under 30 Indonesia in 2020, with Vincent also making the Forbes 30 Under 30 Asia list in 2024 for Finance & Venture Capital.

Bizhare provides an online platform where businesses can raise capital by offering securities like shares, bonds, and sharia-compliant bonds (sukuk) to the public. This model allows MSMEs and franchises to secure expansion funds by sharing ownership. For investors, the platform offers a way to invest in a variety of curated businesses, including F&B, retail, and technology startups, with a minimum investment as low as IDR 1 million. Revenue for the businesses is generated, and investors receive returns through dividends or fixed returns, depending on the investment instrument. The company serves a diverse client base, ranging from individual retail investors to institutional entities like private companies, family offices, and venture capital firms.

The platform's core service is connecting business owners with a community of investors. Businesses undergo a strict due diligence process before being listed. For investors, Bizhare provides a comprehensive dashboard to track investments, view monthly financial reports, and receive profit distributions through an e-wallet feature. A key feature is the secondary market, which is opened twice a year, allowing investors to trade their shares, thereby providing liquidity. The platform is licensed and supervised by the Indonesian Financial Services Authority (OJK) and holds an ISO/IEC 27001:2013 certification for data security, ensuring a regulated and secure investment environment.

Keywords: securities crowdfunding, equity crowdfunding, P2P investing, SME financing, startup investment, Indonesian fintech, franchise investment, bond investing, sukuk investment, private equity, venture capital, retail investing, financial technology, investment platform, business funding, alternative finance, dividend income, passive income, sharia-compliant investment, due diligence