ALAMI

ALAMI

Dima Djani founded ALAMI, operating through PT Alami Fintek Sharia, after an investment-banking career spanning roles at Citigroup and Société Générale and an MBA from INSEAD. The platform was purpose-built to address a structural gap in Indonesia: creditworthy Muslim-owned SMEs that cannot access conventional bank lending for religious-compliance reasons. Shareholder structure places 85% equity with Singapore-incorporated Alami Technologies Pte. Ltd. and 15% with the domestic entity PT Alami Teknologi Sharia. ALAMI deploys Sharia-compliant working-capital facilities to Indonesian small and medium enterprises — predominantly invoice financing and purchase-order financing structured through wakalah and murabahah contracts. On the liability side, the firm operates as a peer-to-peer lending marketplace where active retail and institutional funders select individual financing notes, supplemented by proprietary balance-sheet capital for select transactions. The business spans multiple halal-industry verticals including food manufacturing, modest fashion, and agricultural supply chains, with geographic concentration in Java. Sharia supervision is provided by Drs. Sirril Wafa and Abdul Mughni, each certified by Indonesia’s National Sharia Board (DSN-MUI). The firm is led by Direktur Utama Dustinova, a former assurance professional at EY, Mazars, and Hijra, alongside Direktur Adi Jayadianto, a tax specialist with audit experience at Hijra. ALAMI itself was incubated under the regulatory umbrella of Indonesia’s Financial Services Authority (OJK) and operates as a licensed peer-to-peer lending operator. No institutional round size or total disbursement number is publicly published, leaving scale opaque to external observers. The structural differentiator is ALAMI’s dual-channel credit engine: a retail-funder marketplace for liability diversification and a Sharia compliance framework governed by DSN-MUI-certified scholars. This architecture removes conventional interest from the entire chain — from on-balance-sheet warehouse funding to retail-investor notes — making ALAMI one of the few Indonesian fintechs structured entirely from the liability side around halal contracts rather than a conventional yield-plus-screen overlay.