KoinP2P Grade S is a special KoinP2P product that offers lower risk with a greater social impact. KoinWorks has curated partners who are repeat borrowers with no history of default and have sustainable businesses to participate in this product. These selected partners will assist KoinWorks in channeling loans to informal workers within their business ecosystem to help them grow their enterprises. The businesses operated by these partners and their networks include FMCG distribution, food ingredients, and beverages.

The unique advantage of KoinP2P Grade S, which sets it apart from other grades, is the assistance provided by partners to ensure smooth repayments, thus lowering the risk compared to Grade A. By funding KoinP2P Grade S, you are also contributing to the development of informal worker businesses and helping to improve their social well-being.