"is this kind of saving/investment you guys talking about?

https://pictr.com/images/2019/09/16/5lPamg.md.png

They told me, the fund of capital is guaranteed and I can get back after 2 years contract. The divident also fixed for every month. For me, it sounds something fishy.. I also asked them, is this saving is monitored by security commision and BNM.. their answer this investment is for developing hotel/tourism place somewhere at Mentawai Island and other place - Bali (i can't remember) which is not located in Malaysia and governed under regulation Indonesia market.

Anyone, please help me. I worried if this is SCAM. My loan 71k is almost approved by bank.. it still in KIV because a few of document is not complete yet."

@gajah67 please refrain from doing so. the best way to learn is learning from other's mistakes.
the worst way to learn is learning from own mistake. you are comitting yourself to a loan.
giving current market i think you need to pay back the bank rm100k if you make the loan for 120months(10years) not worth it

all of us here has invested our money in OTM and can't even get back our capital. please do not be stupid and invest any of your money inside. you will regret along with us.

The same to me Gajah67.

I went to Bank in Indonesia and ask them about OTM, and asked another investors and my friends in Jakatar. No body know about OTM.

And, because OTM took my 1.5 Million USD, I hired lawyer in Indonesia search more infomation about OTM, but my lawyer told me OTM dont have real office in Indonesia. I cant report to Police and Indonesia Government because OTM isn't company in OTM. They are SCAM.

If someone know real office in Indonesia, please let me know. My lawyer in Indonesia is hunting them.

to be honest.. my first impression visiting the so called 'office' is bad.
it seriously looks like a sham. more like a night club/pub with partition i think.