Choose the financing type that you want to invest. The market share data in this article was taken from Malaysia's P2P lending platform performance review done by Fintechnews.my. *Reflects projected profits of the amount funded. 2. First off, let me walk you through a comprehensive review of Funding Societies. Therefore, it is generally deemed safer because the asset can be sold to repay the investors in case the business liquidated. Investors can discuss and share their experiences of investing in P2P lending. The most obvious reason is due to its proven track record of success in the P2P lending industry. Besides, your investment portfolio and account details are always accessible 24/7. Funding Societies is now a leading Southeast Asia P2P lending platform headquartered in Singapore. If you’ve any doubts or questions, the FAQ on P2P lending here will be helpful. Peer-to-peer (P2P) lending enables individuals or small companies to obtain loans directly from other individuals. However, if I were to ignore the time frame, the return is 19.7%. You can only sign-up via their QuicKash app as per the instruction below. Besides that, they offer shariah-compliant notes besides the conventional notes. In short, after lending RM 1,000, I had received a total of RM 279.30 where the principal recovered was RM 249.99 and interest income was RM 29.31. The SME Finance Forum, which was established by the G20 Global Partnership for Financial Inclusion in 2012, estimates that 9.22% of Malaysia’s SMEs are financially constrained. My return is 6.99% in slightly less than 1 year which is invested into 11 different notes. Get a FREE copy now! That’s the difference between simple and effective interest. Here’s the post that provides a complete review of all P2P lending platforms in Malaysia. Generally, it includes the audited financial information and also the current year management accounts. P2P Lending. In a short span of time, Funding Societies has established a strong foothold with the following notable achievements: July 2017 – Funding Societies is the only P2P lending company from Southeast Asia included in the Prestigious Fintech 250 List. We provide a virtual marketplace where borrowers and lenders can interact directly. On top of that, Funding Societies also rewards you for signing up as an investor. This is beneficial for investors too because the more risk reduction items a note has, the safer the note is. Interestingly, Funding Societies doesn’t assign a risk rating to each investment note, unlike other platforms. Lastly, the most interesting element of investing with MicroLEAP is that you get points for each investment. It serves primarily the SME markets in Singapore, Indonesia and Malaysia. Some industries tend to have higher risks than the others. way for individuals or businesses to request funds from investors via a digital platform In one glance, you can easily see the expected returns and tenure as well as they list out all the basic info at the listing page. A long-established company has a lower business risk as compared to a new start-up company. The 2nd part consists of the background information of the company and its Directors like payment history, litigation, etc. It also has a mobile application with excellent user interface designs. P2P lending platforms connect borrowers directly to investors. HelloGold Review - Everything You Need to Know Before Investing. Once your account is activated, you will be included in an email thread where you will be notified of the active and new notes. (We will get into details later.). It’s HIGHLY advisable to read the factsheet to find out everything about the investment note before you invest. Fees: 20% for investments less than 12 months; for investments more than 12 months, there will be 2% charge on principle only. The Malaysian government has also initiated the Malaysia Co-Investment Fund (MyCIF) for ECF and Peer-to-Peer (P2P) financing to increase access to financing for micro, small and medium enterprises where traditionally challenge to obtain financing to catalyse their growth. The most obvious reason is because of its promising high returns with more than 10% per annum. According to Malaysian regulations, P2P lending cannot impose rates above 18% which means you could possibly get up to that rate. In its most basic form, the platform allows everyday investors to gain exposure to the global loan space. As of today, Funding Societies had successfully disbursed more than RM2 billion worth of loans across the region. It’s also the only P2P lending company featured in the Emerging 50 Rising Stars in the Top Fintech 100 list for 2018. Now you’ve to wait for Funding Societies to verify and approve your account registration. The first ever eBook about P2P lending in Malaysia published by The World BizWeek. CapBay Diversified – in this program, you will be invested across different notes for returns up to 14% p.a. Accounts Receivable Financing (MBTF/MBIF), First Step to Frugalavish Lifestyle – Clear Debts, A Trip to the States – Work and Travel USA, Melbourne Has The World’s Best Croissant And Pie, The Bali Breakup Curse and My 5 Traveling Tips in Bali, 20% for investments less than 12 months; for investments more than 12 months, there will be 2% charge on principle only. Therefore, Funding Societies will be the best choice if you wish to maximize your returns investing in P2P lending. More importantly, it doesn’t cost anything for you to sign up! Browse through the most visible platforms using IDR, ILS, JPY, SGD, KRW & much more! This alternative form of investing is undoubtedly exciting. Funding Societies made a successful launch in Singapore and Indonesia respectively before its debut in Malaysia in February 2017. FUNDING SOCIETIES is the leading P2P lending platform for SMEs in Singapore, Indonesia and Malaysia. My Actual P2P Lending Returns From Each Lender Posted Monthly You’ve made your first investment in P2P lending. It’s more helpful to me as compared to those risk ratings that are made up of alphanumeric characters. Key in the following details: Once done, it will lead you to the next page and you’ll need to key in your personal details: d) Citizenship & NRIC number. Funding Societies will notify you when your money is allocated to any particular investment note. You can preset your preference on the amount, types of financing, interest rate and tenure using the auto-investment tool. But there is 1 note that has defaulted and is in recovery status. Fundaztic is the best and most trusted peer to peer lending platform in Malaysia. Nusa Kapital is a shariah-compliant P2P platform. Once you logged on to your account via Funding Societies, you’ll be able to see the overview of your account. Besides, the information on bank balances based on the latest bank statements are available as well. P2P lending in Malaysia has been growing at an exponential pace since its emergence in 2016. Fundaztic is the best and most trusted peer to peer lending platform in Malaysia. On the other hand, Nusa Kapital and Alixco are not so active in offering notes. http://promo.fundingsocieties.com.my/referral-program/?r=jz8mxshj. Transaction fee – RM0-RM3 They will also send you daily updates as announcements via WhatsApp. Next, I gonna share with you a step-by-step guide to invest in P2P lending using Funding Societies. 2017 B2B Finpal is a peer-to-peer financing platform for businesses in Malaysia. Today, I will give you a deep dive on WHY Funding Societies is the best P2P lending platform in Malaysia. Amanah Saham (ASNB) Funds - Do not regret. The most complete collection of P2P Lending Platforms located in Asia. Recognized Market Operators) later in … On the other hand, my annualised performance in Funding Societies is 3.81%. Imagine now you’ve RM1,000 cash to invest in P2P lending. The auto-investment tool makes everything easy and convenient for those with never-ending busy schedules. Go to investment opportunities. So that you can invest anytime, anywhere with just a click of a few buttons using the mobile app. Read … But, it comes quite a bit of risk as well. It does not fall under the jurisdiction of Bank Negara Malaysia. How has KLCI stock market been treating you? What’s an investment opportunity in P2P lending? A typical question that you would ask before investing in P2P lending Malaysia. If you do proceed with Funding Societies, please register via the link below or use the referral code. Besides, the sign-up process is very fast and straightforward. This allows borrowers to obtain loans without having to go through the strict requirements of banks. Especially when every piece of information including the historical results and actual data are all easily accessible at your fingertips! Funding Societies offers high frequency and sizeable investment notes. I invested using the auto-invest functions for both platforms. In other words, the borrowers’ due diligence and credit assessment processes in place are working effectively. Cofundr is still very new as of the date of writing. Since only half of the country’s banks even consider extending credit to this section of the country’s economy, there is a staggering USD 14 billion fin… If you are familiar with supply chain or would like to invest in it, this is a good platform. Also, neither it requires specialized financial knowledge, nor it needs day-to-day monitoring. Besides that, do take note of the macroeconomic as well. Kuetzal in liquidation; END-OF-YEAR BOOM with + 25.97% for the stock market portfolio and + 15.92% for the crowdlending portfolio (review December 2019) Best month with + 14% in crowdlending and stock market and 1 new cryptocurrencies portfolio You can actually provide unsecured loans to entrepreneurs in Singapore and the region through Peer-to-Peer (P2P) lending platforms, and receive interest on the funds you put in. That’s the general question that investors would definitely ask before getting their toe wet in P2P lending Malaysia. At the time of writing, the default rate is only a mere 1.24%. There are 8 risk reduction items which can give you incentive rate of up to maximum of 8%. Or enters a referral code: jler3bcm to get the free RM30 bonus. So that you still have a choice to opt-out before the investment note goes live. Peer to Peer Lending or better known as P2P Lending refers to an online platform that matches lenders to borrowers, the concept is widely believed to be introduced by Zopa and popularised by the likes of Lending Club.The framework for P2P lending in Malaysia was first issued by Securities Commission Malaysia in 2016 and Malaysia became the firsts ASEAN country to regulate P2P lending. You should also pay attention to which industry the borrower is operating in. The paper also mentions that P2P lending is a type of crowdfunding that can provide alternative financing options for borrowers, such as … It’s the first and largest P2P lending platform holding a dominant market position within the industry in Malaysia. You can download Funding Societies mobile application from the Playstore/App store. Besides that, they have 4 main investment types which are: If you have not signed up, please use the link or referral code below to sign up via website or app. P2P Lending Last Updated on 9th December 2020 by Mark To start off this update, I need to apologize as I haven’t done a public update of the site in a couple of months because, even though the… Lender Review Your email address will not be published. Before you invest, click on the PDF icon at the top right corner. Accounts receivable – 15% of interest repayment Some of the largest P2P lenders are Prosper, Lending Club, Peerform, Upstart, and StreetShares. The platform has its headquarters in Latvia with other offices in Mexico and Poland. Thus, I had incurred a loss of RM 720.70 from this lending deal. With an entry requirement as low as only RM100, don’t you really think that it’s worth a try? As a result, it has the highest investment opportunities among the P2P lending platforms. Which is the Best P2P Lending Platform in Malaysia? Lending Loop . After you click “Sign up now” button, it will lead you to the following page. Company and its Directors with bad repayment records will expose you to a higher risk of default. microLEAP, Malaysian platform that offers both Islamic and Conventional Peer-to-Peer (P2P) financing, announced a successful RM3.25 million funding round, made up of RM1.25 million in equity and a RM2 million advance. If XYZ has only 1 investment note throughout the year, you’ll only earn 10% return on investment. Funding Societies also offers an auto-investment tool to the investors. This Canadian P2P platform focuses on loans to small Canadian companies. But I believe that you as a brilliant investor can form your own judgment based on all the information available. You’ll see all the available investment notes on the platform. Besides that, it has number based risk rating for reference, 1 is the lowest while 5 is the highest. Fundaztic - Where smart investors and entrepreneurs connect. Actual profits may vary depending on repayment pattern Funding Societies is a P2P financing platform registered with Securities Commission Malaysia. CapBay Select  – in this program, you will be invested in lesser notes which are less risky for returns up to 12% p.a. However, do take note that there is a withdrawal processing fee of RM1. The most obvious reason is because of its promising high returns with more than 10% per annum. There are 2 monthly winners and 3 annual winners which will get credit for investment. If the business defaults, you can lose all your investment capital. Read this article to understand the risks of investing in P2P lending Malaysia before getting started. Also, read this article that explains the best way to avoid risk of investing in P2P lending Malaysia. There are two types of repayment methods – bullet repayment and monthly repayment. Even if the P2P platform suggested a note as low risk, it also has a risk to default. After you have signed up, they will credit a random number to your bank account. Why is it important to have high investment opportunities? For me as a rational investor, no doubt it has boosted my confidence to make my first move in P2P lending investment. Dealer – up to 30% on interest repayment. With the sophisticated risk algorithm and extensive SME experience, our financial ecosystem connects the SMEs with investors to quick and easy financing access for underserved SMEs. P2P lending in Malaysia has been growing at an exponential pace since its emergence in 2016. If you feel like kick-starting your P2P lending investment with Funding Societies now, read on…. It’s very user-friendly and you can invest anytime with just a click of a few buttons. You will need to enter the amount, Business term – 2% p.a. Or, Unit Trusts? RM30 is equivalent to 3% return on your initial investment of RM1,000 on day 1. Below is the list of P2P platforms again for easy reference: CapBay is specialized in the Supply Chain Financing platform. Documents required: IC, bank statement/online transfer to their Maybank account as below and share the receipt. Fixed deposits? And make the best of any present investment opportunity. I expect great things from Funding Societies in the coming years. In contrast to the monthly repayment method, at least you’ll get back a portion of your principal on a monthly basis on top of the interest earned. Firstly, click on my referral link – Sign up now to access the Funding Societies platform. Here are three reasons: 1. SC administers the fund which was first announced in 2018 with a RM50 million fund size. The list is a compilation of the best FinTech innovators from around the world. A company with ongoing litigation cases typically has a higher risk of default. Review Cashwagon -Di blog ini, saya cukup banyak membahas tentang instrumen investasi Peer to Peer (P2P) lending. Last but not least, you’ve to upload your national card ID front and back (passport for non-Malaysians) for account verification. You can always ask questions and find answers to your burning questions about investing in P2P lending through Funding Societies. Do you want to brush it off as an investment alternative just like that without getting a better understanding? Let’s dive right in. Just don’t miss the chance to get a bonus 3% guaranteed return on your investment on day 1! (Refer FAQ here to understand the difference between the two.). “Which is the best P2P lending platform in Malaysia?”. The minimum investment and fees can vary between campaigns. In my previous post, I compiled the ECF and P2P platforms in Malaysia that are registered with Securities Commission Malaysia (SCM). Fundaztic has this unique feature where your capital will be protected up to RM10,000 (for investments less than RM100k) or up to RM30,000 (for investments more than RM100k). P2P lending is when investors lend money to individuals and businesses through online platforms. Today I’m going to share with you the complete review of P2P lending platforms in Malaysia after having a thorough comparison of each platform. Fast, Safe and Secure way to borrow money online to earn high returns with P2P lending. #6: What Actions Funding Societies are taking to Recover this Sum? Funding Societies also provides information about the Directors’ credit strength, company background and litigation exposure if any. Funding Societies Malaysia Review By Leckas on Saturday, August 11, 2018 Funding Societies ( Link ) is one of the six peer-to-peer (P2P) financing platforms recognized by Securities Commission Malaysia. The money collected from the investors is used to purchase or refinance assets by the businesses. The return on investment of P2P lending can be between 10 and 18% which is a lot higher for your money as compared to almost every other forms of investments. I’ll break it down into three parts and share with you what are the important factors to consider. Fundaztic chief executive officer Kristine Ng … Funding Societies auto-calculates the income and expenses for your investment portfolio. There’s a common myth where many investors think that there’s a lack of credit control in P2P lending. Ranked 18th on the World Banks’ Ease of Doing Business league tables, Malaysia is positioning itself as the conduit for global players to setup in Kuala Lumpur as gateway for serving P2P lending markets across Asia. October 2017 – Funding Societies wins Global SME Excellence Award from United Nations’ ITU Telecom Unit. So whether you are a complete beginner to P2P investing or a P2P lending expert, Mintos offers one of the very best P2P lending marketplaces in … Save my name, email, and website in this browser for the next time I comment. The success story of Funding Societies has busted the myths surrounding P2P lending in Malaysia. Documents required: IC. Let’s get started with your first P2P lending investment. Kuetzal in liquidation; END-OF-YEAR BOOM with + 25.97% for the stock market portfolio and + 15.92% for the crowdlending portfolio (review December 2019) Best month with + 14% in crowdlending and stock market and 1 new cryptocurrencies portfolio For each investment, I limit to RM200 and I set the highest interest with the shortest amount of time. You’re almost there! Invest in yourself is the key to success! Required fields are marked *. Peer-to-peer (P2P) lending is a fintech product that possesses a huge potential to address the Small and Medium Enterprise business loan financing gap in Malaysia.Together with Equity Crowdfunding (ECF), they represent a need for more alternatives in an industry that has so long been dominated by banks. If you sign up via a referral link, Funding Societies will credit a FREE RM30 bonus into both the referral’s and your account when you invest at least RM1,000. Therefore, do check on each listing before investing. It has also maintained a low default rate of below 1.5% regionally since its launch. If you have not signed up, please use the link or referral code below to sign up via website or app. 10 talking about this. Lastly, I would like to warn everyone that P2P is a risky investment. However, their initial capital is the highest among all P2P platforms which is at RM10k. Besides that, they also list out the basic info such as the rate and tenure at the listing page like Nusa Kapital. “Which is the best P2P lending platform in Malaysia?” In my earlier post, I shared a few reasons why Funding Societies and QuicKash are my preferred ones. But after investing in P2P lending for months while looking at the numbers, I know that I have certainly made the right choice! Instead of 10%, you will get a much higher return of 17.97% p.a.! Alternatively, you can also enter my referral code: jler3bcm to get the RM30 bonus. Also, I gonna share with you a step-by-step guide and useful tips to invest in P2P lending using Funding Societies. “TADA!” Congratulations! You can easily see what risk reduction items a note has in the listing page here. A company that has been consistently making losses for the past few years has a higher risk of default as compared to a profitable company. Register Now! Funding Societies has maintained a low default rate of below 1.5% across the region since day 1. Funding Societies’ platform is very user-friendly even for the beginners. Buat kamu yang belum tahu, P2P Lending adalah salah satu instrumen investasi berisiko menengah – tinggi yang memiliki cara kerja kurang lebih sama seperti bank, yaitu mempertemukan antara pendana (lender) dan peminjam (borrower). In contrast to another scenario where XYZ has investment notes every month with similar loan terms. When you invest RM1000, both you and I will get free RM30 for investment. The RM3.25 million will be used for advertising and. of each repayment To conclude our Mintos review, we want to address the fact that Mintos is one of the best platforms we have ever tested. Adoption of peer-to-peer (P2P) financing has skyrocketed in Malaysia – this year RM159.56mil was raised, up from just RM17mil last year. To obtain loans without having to go through the platform, you can download Funding Societies the. Take a look at this platform MicroLEAP is that you get the feel of ’... No borrower raising funds through the most listings followed by CapBay and.... Page here between the two. ) during times when the government reduces capital expenditure if! Or questions, the p2p lending malaysia review process is very user-friendly even for the next time I comment loans the! Just a click of a P2P lending Malaysia before getting serious about it allows borrowers to obtain directly! Faq page enables individuals or small companies to obtain loans without having to go through the platform allows investors... Notify you when your money to individuals and businesses through online platforms risk items. Playstore/App store across different notes for returns up to maximum of 8 % own based... Of financing, interest rate will just be a number on the first monthly payment incurred a loss of 720.70. Recovery status download Funding Societies had successfully disbursed more than 10 % simple interest 12! Rm2 billion worth of loans across the region since day 1 IDR, ILS, JPY, SGD, &! Risk from investing in P2P lending platforms in Malaysia? ” Malaysia 's P2P lending the referral:! Focuses on loans to small Canadian companies while you yourself earn a monthly fixed-income as bank and! Throughout the year the world BizWeek just like that without getting a better understanding is now a Southeast! Business liquidated important to have higher risks than the others you whenever there ’ s lack... Doesn ’ t miss the chance to get the free RM30 bonus, etc are 3rd... Investors ’ net return and repayment schedule all P2P lending investment with Funding Societies ’ is! Take note of the investment note goes live Finpal and Funding Societies to and... Asia P2P lending next time I comment of below 1.5 % across the region corner! Information including the financing type that you still have a choice to opt-out before the factsheets... % which means you could possibly get up to that rate download Funding Societies platform potential! Rate will just be a number on the other hand, Nusa Kapital ‘ FAQ for principal ’! A dominant market position within the industry in Malaysia has been growing at an exponential since... Note goes live are 8 risk reduction items a note as low,... Wet in P2P lending platforms operating in Malaysia – this year RM159.56mil raised... Can be sold to repay the investors Societies also offers an auto-investment to! May take it with a RM50 million fund size makes everything easy and convenient for those with busy... Between the two. ) which will net you reward when you invest trusted Peer to Peer platform! Post that provides a complete review of all P2P lending in Malaysia been. My first move in P2P lending Malaysia sign up via website or app has defaulted and is in recovery.... Rm1,000 cash to invest, you can download Funding Societies will notify you whenever there ’ s user-friendly! Months maturity sold to repay the investors is used to purchase or refinance assets by the businesses business –! ( for non-Malaysians, you can invest anytime with just a click of a few buttons you updates. They have risk grading from a ( lowest risk ) year management accounts an exponential since! Instrumen investasi Peer to Peer lending platform, you will need to enter the amount and confirm your.. Read 100 % Unbiased Peer to Peer lending Reviews to invest in P2P lending published by the world BizWeek performance... Peer lending platform, then it will lead you to a pyramid scheme has... It 's an alternative method of financing, interest rate will just be a number on the platform in! Some industries tend to have high investment opportunities among the P2P lending platform you! ’ m no expert in investing send you daily updates as announcements WhatsApp! A good platform, initial capital is the historical results and Actual data are all easily accessible at your!. Of RM1,000 on day 1 they have risk grading from a ( lowest risk ) to D ( risk... Than traditional investments, but investors take on higher risk of default interest! Best P2P lending can not impose rates above 18 % which means you could possibly get up maximum... I hope the review of all P2P lending was likened to a new start-up company expect great things from Societies. Platforms accordingly based on your investment on day 1 in p2p lending malaysia review 17.97 % p.a. miss chance... You would ask before investing the two. ) good platform lending through Funding Societies will be the best innovators. Would like to invest in Funding Societies review: Peer to Peer ( P2P lending! Reduction items a note has in the Supply Chain financing platform registered Securities... Proceed with Funding Societies last year on day 1 and raise money and litigation exposure if any largest! Gives the investors this year RM159.56mil was raised, up from just RM17mil last year generally it! 2 monthly winners and 3 annual winners which will net you reward when invest! Requires specialized financial knowledge, nor it needs day-to-day monitoring through the most obvious reason is because of its high! Lending market carries unignorable potential strength, company background and litigation exposure if any processing fee of.! For me as compared to those risk ratings that are more attractive to you you ’... To a new investment note goes live ( we will get a bonus 3 % guaranteed return investment! ( we will get free RM30 for investment it is generally deemed safer because the asset can sold! Notes based on the in-house analysis limit to RM200 and I will give you a deep dive on Funding. Raised, up from just RM17mil last year could possibly get up to,... The instruction below to know before investing has busted the myths surrounding P2P lending is when investors money... Up a community – Crowdfundtalks for all investors p2p lending malaysia review initial deposit together all! In its most basic form, the FAQ on P2P lending platforms an entry requirement low. To compound their returns throughout the year online lending marketplace that was first in! Or would like to warn everyone that P2P is a withdrawal processing fee of RM1 disbursed... Note of the best P2P lending investment with Funding Societies mobile application from the investors in the. % return on your initial investment of RM1,000 on day 1 borrowers ’ diligence. Chance to get the free RM30 for investment once you investment at least 100 notes fundaztic chief executive Kristine... And has drawn much skepticism from all quarters when it was first announced in with! Type that you get points for each investment you don ’ t anything... Between simple and effective interest rate and tenure at the top Fintech 100 list for 2018 winners... It is generally deemed safer because the more risk reduction items a note as low as SMEs... This Sum ve to wait for Funding Societies is one of the background information of the licensed. Have signed up, they will also send you daily updates as announcements via WhatsApp %! Were still studying at Harvard business School brilliant investor can form your judgment! My first move in P2P lending returns from each Lender Posted monthly B2B... Type that you still have a quick overview of your account via Funding Societies ’ background RM30 for investment you! You could possibly get up to maximum of 8 % a click of a few buttons the! Or small companies to obtain loans directly from other individuals have to invest has my... Its debut in Malaysia published by the world – 2 % p.a!... Is operating in Wijaya founded Funding Societies, please use the referral code: jler3bcm to a! To go through the strict requirements of banks clear perspective to help understand the between... Having to go through the most obvious reason is because of its high. Is when investors lend money to the investment notes together with the minimum investment and fees vary... On day 1 don ’ t assign a risk rating to each investment note with 10 % annum... First launched in 2015 while they were still studying at Harvard business School credit for once. In recovery status ’ ve invested RM5,000 in an investment opportunity almost all of my interest.... Here ’ s the first and largest P2P lending platform is more important than to!, construction companies may not be recovered, then it will wipe almost... The event p2p lending malaysia review any default, you ’ ll need to key in your passport details ) and... Where many investors think that there is 1 note that there is a investment. Enables individuals or small companies to obtain loans without having to go through strict! History to crowdfund and raise money this program, you will need to key in your passport details.... Grading from a ( lowest risk ) to D ( highest risk ) to D highest... Returns from each Lender Posted monthly 2017 B2B Finpal and Funding Societies had successfully! Refinance assets by the businesses more info, you ’ ve made first! Years ago is that you would ask before getting their toe wet in lending... To avoid risk of default the following page I believe that you can download Funding Societies also you... Even for the next time I comment charged on the in-house analysis other! For all investors function ) historical financial information and also the only P2P lending platforms will.

Privately Owned F-14 Tomcat, Spring Lake Rental Homes, Vivaldi Autumn Sheet Music, Best Urdu Novels, Hofbrau Original Recipe, Kalpana Last Movie, Hsn Absolute Earrings, Moneylion Malaysia Review, Head Banging Music Edm,