Resensi #4 – Remote : Office Not Required

Resensi adalah seri artikel berisi intisari buku, podcast atau materi lain yang aku konsumsi. Resensi di post mingguan di akun instagramku. Semua edisi resensi bisa di lihat di link berikut.

Buku ini sepertinya menjadi buku populer di masa pandemi ini. Ditulis oleh Jason Fried dan David Heinemar Hansson, Remote merupakan kumpulan tips bagaimana perusahaan dapat menerapkan kerja remote dengan tetap efektif dan kolaboratif. Jason dan DHH menuliskan pengalaman mereka selama hampir 15 tahun membangun Basecamp, perusahaan software yang full-remote dan memiliki pekerja dari berbagai negara.

Ditulis dengan ringan dan chapter yang pendek, buku ini nyaman sekali untuk dibaca dalam waktu singkat. Berikut intisari yang aku buat di edisi resensi kali ini. Semoga membantu.ide buku resensinya!

Buku Remote ini bisa didapatkan di Google Play.

Resensi #3 – Banker For The Poor

Resensi adalah seri artikel berisi intisari buku, podcast atau materi lain yang aku konsumsi. Resensi di post mingguan di akun instagramku. Semua edisi resensi bisa di lihat di link berikut.

Buku otobiografi dari Muhammad Yunus membahas tentang perjalanan beliau mengembangkan kredit mikro untuk ibu-ibu di Bangladesh. Terima kasih @deatans untuk ide buku resensinya!

Buku banker for the poor dari Muhammad Yunus bisa didapatkan di Google Play.

Personal Finance App Landscape Report – Indonesia

Early this year, i was working on personal consultancy project to explore opportunity, landscape and way to play in Personal Finance space in Indonesia. Its one of the niche market in Indonesian fintech which havent been dominated by unicorns or established financial institutions.

I believe in this hard economic times, more people will be conscious about their expense hence opportunity for personal finances startup to tap into this needs.

Heres the report on presentation format. You can also download it in pdf, in a link below

Feel free to comment or reach me out if you have feedbacks on this. I hope its useful. I will write full essay on this sometimes soon, be sure to subscribe into my newsletter to get notification when its out.

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Resensi #2 – Free – Chris Anderson

Resensi adalah seri artikel berisi intisari buku atau materi lain yang aku konsumsi. Resensi di post mingguan di akun instagramku.

Edisi ke 2 dari Resensi. Kali ini buku dari Chris Anderson yang berjudul Free. Buku ini membahas secara dalam model bisnis gratisan dan bagaimana memanfaatkannya untuk bisnis digital. Wajib dibaca untuk semua yang berkarir di startup atau bisnis digital lainnya.

Selain di instagram, resensi juga tersedia dalam bentuk pdf di link berikut. Buku Free dari Chris Anderson bisa dibeli elektronik di Google Play.

Pivot Pandemi : Software House

Di masa WFH, aku beberapa kali ngobrol virtual dengan teman-teman untuk membahas kantor atau usaha masing-masing. Mumpung ramadhan, silaturahmi sekaligus berbagi ide bagaimana survive di kondisi paceklik sekarang.

Dari catatan-catatan obrolan ini, aku membuat seri tulisan berjudul Pivot Pandemi. Terinspirasi dari seri Zoom Apocalypse – Cerahati, di sini aku membagikan catatan brainstorming tentang tantangan yang di hadapi dan ide-ide apa yang akan dieksplorasi supaya bisa survive jika kondisi di depan tidak membaik juga.

Ilustrasi Software House. Photo by Hack Capital on Unsplash

Tulisan pertama ini akan membahas tentang bisnis software house atau jasa konsultan pembuatan aplikasi. Ketika kuliah S1 di ITS Surabaya, banyak teman seangkatanku merintis usaha software house. Kebanyakan memulai dari kerja sampingan di kuliah yang kemudian diseriusi setelah lulus.

Di edisi ini aku mengobrol dengan seorang founder sebuah software house di Surabaya. Karena beliau meminta untuk disamarkan saja nama usahanya, maka di artikel ini kita sebut bisnis ini dengan Software House XYZ.

Continue reading “Pivot Pandemi : Software House”

Resensi #1 – Indiepreneur – Pandji Pragiwaksono

Masa WFH, Pandemi dan Ramadhan ini membuat aku mengkonsumsi lebih banyak buku, podcast dan artikel dari biasanya. Supaya lebih produktif dan tambahan konten, aku akan mulai mencatat dan membagikan disini ringkasan dari setiap materi menarik yang ku konsumsi.

Seri artikel ini bernama resensi dan yang pertama adalah sebuah buku dari Pandji Pragiwaksono berjudul Indiepreneur. Resensi akan ku post setiap minggu di akun instagram ku dibawah.

Selain di instagram, resensi juga tersedia dalam bentuk pdf di link berikut. Buku Indiepreneur dari Pandji Pragiwaksono bisa dibeli di Tokopedia – Karya Pandji.

Pivot di Saat Pandemi

Ini adalah masa paling menantang yang saya hadapi sepanjang hidup. Tidak pernah terpikir bahwa selama hampir satu bulan setengah berjalan, kita semua tidak bisa keluar rumah. Virus corona membuat hampir semua kegiatan ekonomi yang bergantung dari interaksi orang ke orang menjadi terhenti. Beberapa industri sudah mulai kolaps : pariwisata, musik, event, transportasi. Selain itu, ekonomi secara general melambat drastis hanya dalam waktu 2 bulan sehingga gelombang layoff mulai terjadi. Yang masih beruntung untuk digaji, menatap hari besok dengan tidak pasti sebari menghitung tabungan.

woman in black framed eyeglasses using laptop computer
Photo by engin akyurt on Unsplash

Seperti sabda Darwin, yang bertahan adalah yang paling beradaptasi. Survivabilitas di tahun 2020, sepertinya bergantung seberapa cepat kita pivot dengan kondisi corona ini baik secara professional di kantor maupun secara personal.

Selama sebulan ini, saya banyak mengkonsumsi video, artikel dan podcast terkait efek corona terhadap bisnis dan bagaimana mencari sumber pendapatan baru. Berikut beberapa diantaranya. Kalau ada referensi materi bagus dari teman teman, boleh loh di tulis di komen atau mention saya di twitter dan instagram @kikiahmadi. Akan saya update ketika mendapat referensi baru.

Lets survive together.

Continue reading “Pivot di Saat Pandemi”

From Ideas to Rollout

Summary of this article can also be read in this presentation.

Ive been managing a business development (BD) team for 3 years now. During this time, i see that BD role can meant different things. In some companies, the role skews more to sales, in other it might be more to product development. There also stark difference from BD in big corporate versus in startup. The first one might be more to high-level strategic partnership, while the latter more hands-on with business operations and expansions.

In Amartha, i can summarize my work as developing new business by pushing ideas into rollout. In this post, ill share several of my learnings developing new product / business, starting from brainstorming scribbles in notepad, work the ideas into concept slides, running a pilot and finally decide to expand it in multiple areas.

Continue reading “From Ideas to Rollout”

Insurance and Insurtech in Indonesia

To accompany this blog posts, i created also report version of this in presentation form.

In the past decade, the insurance industry in Indonesia has been growing from IDR 125 trillion in 2010 up to nearly IDR 500 trillion this year. Despite this growth, penetration in population is still very small. In terms of economic contribution,, insurance spending only account for 2.3% of GDP while the number of private insurance policy holders also less than 3% of the population. In 2014, national health insurance (BPJS Kesehatan) was established by SBY Administration. Current coverage for this is estimated around 75% of population or ~180 million people. With the rate of growth and low penetration of private policy holders,  Insurance market in Indonesia is a massive untapped opportunities. 

Current market value are still majority contributed from Life Insurance. Based on Insurance Association data, more than 80% of gross written premium are from Life Insurance product such as Term-life, Whole-life and Investment Bundled Product (Unitlink). Unit Link is the most sold product of all life insurance, with contribution of more than half of premium sold in 2014. For general insurance, market size are driven by car and motorcycle insurance.

In terms of distribution and sales channel, majority of insurance sales are still driven by agents and banc assurance. Agent solve the needs of consultation and product knowledge due to the complexity of insurance products. While for banc assurance, insurance companies are helped by bank agents and customer services to advocate their product to banks existing customer base. 

Recent surge in insurtech makes many people buy insurance online. However they mostly buy simple, one-time product such as flight, delivery or gadget insurance which have simple straightforward policy. Price is usually very cheap as well. Online channel drive high-frequency, low-value transactions. Hence in terms of total market gross premium value, it will still likely contributed by life-insurance sold by agents.

Insurance principal can be divided into two big categories : Life insurance and general insurance. Both have distinct market dynamics. Life insurance are quite concentrated with Prudential as clear market leader. Most of the big players in Life Insurance also foreign entities such as Allianz and Manulife. General insurance on the other hand is quite fragmented with Sinarmas, Jasindo and Astra closely competing to be top 3. Sinarmas and Astra premiums are driven by auto and property insurance while Jasindo and other state-owned insurance (Tugu, Askrindo) are contributed by industry insurance supporting other SOE (e.g Marine, Oil & Gas insurance).

Key Insurance Players Overview in Indonesia

With low market penetration and sales mainly driven by offline channel, Insurance market are just prone to be disrupted by digital players. From big insurance principal who goes digital up to rising startup who try to break through using innovative products.

Continue reading “Insurance and Insurtech in Indonesia”

Warung as The Next Frontier of Indonesian Startups

In the past years, there is a rising trends of startups and companies which aim to digitize traditional retail merchants a.k.a Warung. Kudo pioneered this back in 2014. They then acquired by Grab in 2017, and recently rebranded into GrabKios. Next is E-commerce unicorn Bukalapak who dove in in this space big time by launching Mitra Bukalapak in 2017. Mitra Bukalapak is estimated to have 3 millions registered user which makes them market leader in digital warung. Tokopedia followed on by launching Mitra Tokopedia in 2018. There are also smaller players such as East Venture backed, Warung Pintar, KiosOn and Payfazz.

This warung trend apparently not only happening in Indonesia. Amazon last week just announced their move to partner with thousands of kirana store, Indian version of warung, to be used as delivery hub. Jeff Bezos himself came down to India to launch this. There is also Mastercard which enabling multiple initiatives to digitize mom-pop store in Latin America.

In this article, i dive into the reason why the trend is happening and which direction will warung digital going to go in the near future. Lets go!.

Continue reading “Warung as The Next Frontier of Indonesian Startups”