How To Develop Loan Product ?

This month marks my 2 years tenure in Amartha. After almost decade of experience in telco industry and straight outta Manchester Business School Innovation studies, in late September 2017 i jumped headfirst into fintech startup world. It was challenging and exciting ride with constant learning every single day of the week.

One of my key learning from leading Amartha’s Business Development team is how to design loan product. Amartha core business is micro-loan for rural women and as bizdev, my task is to explore new loan product opportunities. In this post, i will brain dump my learning in developing loan product for micro-business segment.

Hope its useful!.

Continue reading “How To Develop Loan Product ?”

Mengapa saat ini di Indonesia, startup fintech lebih banyak dibanding startup lain

Ini sebenarnya adalah thread Quora yang saya jawab beberapa waktu lalu Karena responsnya cukup bagus, saya menambahkan beberapa materi dan memposting ulang disini.

Platform Quora ini cukup menyenangkan dan saya aktif disana. Cek kesini 
untuk melihat semua jawaban yang saya tulis.

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Lanskap fintech di Indonesia. Gambar dari Convergence Ventures
Continue reading “Mengapa saat ini di Indonesia, startup fintech lebih banyak dibanding startup lain”

Silicon Roundabout: cluster evolution and effect of public policy in Inner East London Startup Cluster

Digital economy is currently huge economy contributor for United Kingdom. In 2015, this sector contributed 97 billion pounds and provide more job growth than any other sector in the country (Tech City, 2017). Majority of UK digital economy activities is concentrated in London, specifically in the area called Silicon Roundabout. The cluster is the home of more than 3000 digital media and internet companies, most of them are newly-established and small-sized.

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Silicon Roundabout (image source)

This essay will discuss the development of Silicon Roundabout cluster and how public policy have impact on that process.  Short overview on the cluster will be discussed first as the starting point. After that the evolution of cluster will be described followed by discussion on the cluster policy impact. In the later part of the essay, challenges facing the cluster will be explained and then closed by essay conclusion. Continue reading “Silicon Roundabout: cluster evolution and effect of public policy in Inner East London Startup Cluster”

Nanotechnology in China: An Analysis of International Competitiveness

This is my essay for professor Marcella Miozzo‘s International Competitiveness class. Previously, i posted the power point presentation for this topic as well. Links to all the reference can be found in the bottom of the article. Hope its useful. 

Nanotechnology is the manipulation and production of material within a very small scale (nanoscale). It is a complex technology which encompass multiple science discipline and industries (Islam & Miyazaki, 2009). Due to this multidisciplinary nature, nanotechnology is predicted to revolutionise the landscape of multiple industry sectors and become the foundation of the next industrial revolution (Moreira & Vale, 2016). This promising potential has attracted many countries to invest in the research and development this technology. Interestingly, this strategic scientific endeavor is not only pursued by developed economies. Newly industrialised economies are also investing heavily in nanotechnology to catch up with more established countries, increase competitiveness and stimulate growth (Moreira & Vale, 2016) (Niosi & Reid, 2007).

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Illustration of nanotechnology (image source)

One of the newly industrialized country which gaining solid grounds in nanotechnology is China. Since the late 1980s, the country has been investing massively in nanotechnology to build international competitiveness in science and technology (Bai, 2005). This effort has started to bear fruits especially in science and research indicators. The number of China nano-science publication surpassed the United States since 2004 (Appelbaum & Parker, 2008).  Number of China’s share in global nano-patent also doubled in less than a decade (Appelbaum, et al., 2016). In these two indicators, China has achieved international leadership.

This essay will discuss China’s nanotechnology development in the context of international competitiveness. The historical context of China endeavour in nanotech will be described first. Following that, factors supporting nanotechnology will be discussed using Malerba’s sectoral system of innovation theory as a lens (Malerba, 2004). Finally, the benefits of network will be explained using Podolny and Leung pipe, prism, and sponge metaphor (Podolny, 2001) (Leung, 2013). Continue reading “Nanotechnology in China: An Analysis of International Competitiveness”

Penggunaan Layanan Finansial Seluler Untuk Memperluas Jangkauan Bantuan Sosial Pemerintah

Dengan jumlah penduduk miskin sebanyak 28 juta orang (BPS, 2016), penanggulangan kemiskinan menjadi salah satu tantangan yang dihadapi Indonesia ke depan. Angka kemiskinan yang tinggi berpotensi membawa efek domino yang lebih besar seperti berkurangnya produktivitas ekonomi, menurunnya tingkat kesehatan masyarakat dan juga peningkatan angka kriminalitas. Untuk mengatasi masalah ini, pemerintah Indonesia di tahun 2010 membentuk Tim Nasional Percepatan Penanggulangan Kemiskinan (TNP2K). Berada langsung di bawah wakil presiden, TNP2K bertanggung jawab mengeksekusi program pengentasan kemiskinan seperti peningkatan kapasitas ekonomi, jaminan kesehatan dan juga bantuan sosial. TNP2K juga bertanggung jawab atas basis data terpadu yang berisi informasi sosial ekonomi dan demografi penduduk miskin di Indonesia.

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Contoh skema penggunaan layanan finansial seluler untuk distribusi bantuan sosial

Salah satu instrumen bantuan sosial yang digunakan TNP2K adalah transfer tunai bersyarat bernama Program Keluarga Harapan (PKH). PKH memberikan uang tunai kepada rumah tangga sangat miskin sekaligus mewajibkan mereka untuk memenuhi persyaratan terkait pendidikan dan kesehatan. Sebagai contoh, resipien PKH yang memiliki anak balita wajib memenuhi kewajiban imunisasi lengkap sebelum menerima bantuan. Saat ini, dana PKH di salurkan secara tunai melalui kantor pos dan juga transfer bank melalui akun bank BRI. Continue reading “Penggunaan Layanan Finansial Seluler Untuk Memperluas Jangkauan Bantuan Sosial Pemerintah”

Sifat Kontra Intuisi dari Inovasi

Perkembangan eksponensial teknologi informasi dalam satu dekade terakhir menghasilkan kelas konsumen teredukasi dengan ekspektasi yang semakin hari semakin meningkat. Pelaku bisnis, entrepreneur dan bahkan sektor publik dipaksa berinovasi dengan laju yang lebih cepat dan lebih efektif dibanding sebelumnya. Di tahun 1999, The Economist menulis bahwa inovasi menjadi agama baru perindustrian di penghujung abad 20. Organisasi yang inovatif memiliki produktivitas jauh lebih tinggi dibanding yang tidak. Inovasi menjadi cawan suci yang menjanjikan kejayaan ditengah gencarnya kompetisi.

Meningkatnya peran inovasi membuat populernya materi materi terkait. Siapa dari kita yang belum melihat video stay hungry stay foolish ?. Buku bertema inovasi juga kerap menjadi best seller. Yang paling terkenal diantaranya : Innovators Dilemma yang mengenalkan konsep inovasi disruptif. Sejarah inovasi komputasi dalam buku The Innovators dari Walter Issacson dan juga tips memanage kreativitas di Creativity Inc dari Ed Catmull.

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Salah satu buku tentang inovasi yang menarik buat saya adalah How To Fly A Horse dari Kevin Ashton, pionir dari teknologi internet of things. Buku ini mencoba membantah mitos bahwa inovasi, mencipta dan kreativitas adalah hak istimewa segelintir orang yang dianggap jenius. Kevin mencoba menjelaskan inovasi dari unit yang paling sederhana yaitu kerja keras. Dia juga mencoba mematahkan miskonsepsi bahwa proses inovatif terjadi secara magis, seperti bohlam diatas kepala yang tiba tiba menyala. Miskonsepsi ini terjadi karena beberapa karakteristik dari inovasi bersifat kontra intuisi (counter intuitive) sehingga rentan untuk disalahartikan.

Memahami sifat sifat kontra intuisi ini krusial untuk mengerti bagaimana inovasi dihasilkan dan menghindari kesalahan umum yang terjadi ketika membangun proses inovasi. Continue reading “Sifat Kontra Intuisi dari Inovasi”

Information Role In Agribusiness

For work related project, recently me along with my colleagues were exploring the business potential of developing mobile services in Indonesian agriculture sector. Our early hypothesis was delivering relevant information could give benefits to farmers.

To prove our hypothesis and start our research, We went to Institute Pertanian Bogor and have a discussion with two academias from agriculture business faculty, ibu Etriya and pak Firman. Ibu Etriya has been doing research on vegetable farming in West Java while pak Firman is an expert in Coffee and Cocoa plantation. Both of them are very passionate about their subjects and the discussion really opened up my mind about the role of information in Indonesian agriculture business and how big the opportunities in these space.

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In this blog post, i will share some of the insights gained from the discussion. Lets start with how good information could bring positive impact to the farmer’s livelihood. Continue reading “Information Role In Agribusiness”