TIL #2 : No Code

TIL adalah singkatan dari Today I Learned. Di sini gue menulis penjelasan singkat istilah baru seputar startup, teknologi dan fintech. Nama TIL terinspirasi dari subforum reddit . Semua edisi TIL bisa dibaca di link berikut.

TIL edisi minggu ini membahas tentang tren demokratisasi pengembangan perangkat lunak untuk kamu-kamu yang tidak kuliah informatika : no code.

Illustrasi kegiatan koding. Photo by Kevin Ku on Unsplash
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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.

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Three Challenges Startup Faced in Serving Indonesia’s Unbanked Population

In Indonesia, access to basic financial service such as saving and lending is a priviledge. The country with more than 250 million people has only less than 40 million recorded bank account according to World Bank. The country stands at the top of  Asia Pacific in terms of unbanked population with three quarter of total population are still outside of conventional financial system.

At glance, these statistics looks bleak. But for entrepreneurs and startups, it means massive opportunity fintech. Indonesia is currently a fintech hotbed with more than 150 startups and record-high investment of USD 57 million in 42 deals by last year alone. Half of that deals went to lending and payment startups.

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Picture of shallot sellers in Jogja, one of the many millions unbanked population in Indonesia. Photo by Andy Al Mesura on Unsplash

I work as a product and business development guy in a peer-to-peer lending startup. Our startup focus is to provide microlending to millions of unbanked and underbanked women entrepreneurs in Indonesia. In this post, i will share three challenges that i have to deal on a daily basis. The challenges will slightly skewed to lending business model but i try to make it relevant for other fintech as well.

Lets start!.

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