Great job, Martha! Just a couple of thought: 1. The term 'loan shark' is too strong and have negative tendency. I suggest to use "private money lender" where some of them act like loan shark. This might not be affecting too much, yet I believe it is good to argue using neutral/positive terms. 2. Be prepare with possibilities of question related to 'how to increase cooperation between banking sector and fintech company'. Please be aware that Central Bank still does not have adequate regulations and certainty in terms of legal position of fintech in Indonesia financial market sectors. 3. Also be prepare when using the term 'bank' since according to LD's research, most people which usually SMEs' owner avoid to have business with banking sector due to various reasons including religion motivation and unwilling to have formal debt with bank (afraid that their assets, if any, will be take over by the bank due to NPL).
Nice idea! Tapi fakta di lapangan bukan akses yg menjadi masalah utama. Namun bagaimana kemampuan pengusaha umkm mengatur cash flow usahanya utk mengembangkan usaha dan membayar pinjamannya. Karena kebanyakan justru digunakan untuk keperluan konsumtif bukan produktif 😁
Kebetulan aku bekerja di perbankan. Aku share beberapa pemikiran saya mengenai fenomena pengusaha UMKM yg memilih meminjam dari non formal banking. Mulai dari ketentuan KUR, dari pemerintah sebenarnya sdh cukup ringan syarat first way out (lama usaha, legalitas usaha, bidang usaha yg dapat dibiayai), dan second way outnya (agunan). Namun, kemudahan ini tidak sepenuhnya bisa diterima perbankan, karena bank performance kredit yg bagus, sehingga beberapa syarat itu disesuaikan dengan kebutuhan bank itu. Misalanya, lama berusaha di peraturan pemerintah ditetapkan minimal 6 bulan, tp tidak banyak bank yg mau membiayai usaha yg baru berjalan 6 bulan. Salah satu alasannya adalah bank belum dapat menganalisa kemampuan UMKM tersebut membayar cicilan dari historis keuangan perusahaan yg hanya 6 bulan. Apalagi kalau UMKM tersebut belum memanfaatkan rekening bank u transaksi jual belinya. Namun, bank penyalur kredit juga dituntut untuk dapat menyalurkan KUR sesuai target yg ditetapkan pemerintah. Oleh karena itu, bank berupaya kerja sama dengan perusahaaan perusahaan seperti tokopedia, bukalapak, go food, dll, yg mana para pedagang yg kerja sama dgn perusahaan ini berpotensi diberikan KUR, dengan adanya penilaian kepuasan dr pelanggan terhadap pedagang tersebut dan transaksi tunai yg minimal akan mempermudah pemantauan mutasi dana dan kemampuan keuangan calon debitur. (Bersambung)
Terima kasih atas masukan dan sharingnya.. memang menurut saya permasalahan utama adalah dari segi informasi asimetris antara bank dan juga pemilik UMKM sendiri, oleh karena itu, saya memasukkan stakeholder baru yaitu perusahaan Financial Technology yang bisa menjembatani permasalahan ini dengan keberadaan Big Data dan Advance Analytics
Great video! Really good job on expressing your thoughts related to this matter heheheBut I also want to express a couple of thought related to this:1. Branchless banking solution. In my opinion, to make it more convincing there should be data that proves that the MSME's enterpreneur are ready for such technology, since there is no point to implement this solution if it won't work anyway because they can't use it. Maybe you can use data related to technology litteracy for these enterpreneur. 2. You express a comprehensive thought related to the demand of easier credit for MSME's, but again, to make it more convincing I guess you should also do the same in the supply side. As some of other comments has mention, please also give consideration to the risk of these enterpreneur failed to payback their loan. Also please look into some constitution and banking rules related to their risk management and data verification. All and all, good luck for the selection, and wishing all the best for you :)
Some input: Even I have no data, but I heard lots of micro business players could not afford to have smartphones which sometimes we called it unbankable. U should have answers to tackle this problem. Moreover, lots of micro business players do not have fintech-like knowledge. Also, Prepare the calculation of the impact with assumptions when the implementation is done.
Hai, Evita! Insipiratif sekali video dan topik yang diangkat, mungkin bisa lebih baik lagi , Jika dielaborasi juga dari sisi resiko kemungkinan gagal bayar (NPL) bagi MSMEs yang menjadi concern bank untuk memberikan loan. Thank you
Thanks for the compliment! Yup, I heard T-Cash memang sudah akan mengembangkan hal ini jadi seharusnya gap antara telco dan banking institutions bisa diminimalisir :)
saran: coba di elaborasi ke p2p lending yang bunganya dibatas oleh sistem dan tidak mencekik peminjam. Saya rasa akan lebih impactful karena semua orang bisa berkolaborasi. Good luck buat mapresnya!
loan shark, loan banking = Riba, Ancaman Dosa riba paling kecil adalah spt ank kandung berzina dgn ibunya sendiri. anda bayangkan kalo ada ank kyk gitu anda pacul ngga tu ank? begitulah dosa riba sodara2.. Semoga bermanfaat
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Great job, Martha! Just a couple of thought:
1. The term 'loan shark' is too strong and have negative tendency. I suggest to use "private money lender" where some of them act like loan shark. This might not be affecting too much, yet I believe it is good to argue using neutral/positive terms.
2. Be prepare with possibilities of question related to 'how to increase cooperation between banking sector and fintech company'. Please be aware that Central Bank still does not have adequate regulations and certainty in terms of legal position of fintech in Indonesia financial market sectors.
3. Also be prepare when using the term 'bank' since according to LD's research, most people which usually SMEs' owner avoid to have business with banking sector due to various reasons including religion motivation and unwilling to have formal debt with bank (afraid that their assets, if any, will be take over by the bank due to NPL).
Thank you for the constructive comments, Pak Dewa! Would definitely incorporate your ideas to the final presentation :)
She never fails to impress anyone. Good luck my fellow HNMUN delegate!
Thank you Sarah for the kind words! Wish you luck for your final year :)
Nice idea! Tapi fakta di lapangan bukan akses yg menjadi masalah utama. Namun bagaimana kemampuan pengusaha umkm mengatur cash flow usahanya utk mengembangkan usaha dan membayar pinjamannya. Karena kebanyakan justru digunakan untuk keperluan konsumtif bukan produktif 😁
Mikhael Panggabean masih mementingkan hari ini bukan hari esok,kampret 😅
Kebetulan aku bekerja di perbankan. Aku share beberapa pemikiran saya mengenai fenomena pengusaha UMKM yg memilih meminjam dari non formal banking.
Mulai dari ketentuan KUR, dari pemerintah sebenarnya sdh cukup ringan syarat first way out (lama usaha, legalitas usaha, bidang usaha yg dapat dibiayai), dan second way outnya (agunan). Namun, kemudahan ini tidak sepenuhnya bisa diterima perbankan, karena bank performance kredit yg bagus, sehingga beberapa syarat itu disesuaikan dengan kebutuhan bank itu. Misalanya, lama berusaha di peraturan pemerintah ditetapkan minimal 6 bulan, tp tidak banyak bank yg mau membiayai usaha yg baru berjalan 6 bulan. Salah satu alasannya adalah bank belum dapat menganalisa kemampuan UMKM tersebut membayar cicilan dari historis keuangan perusahaan yg hanya 6 bulan. Apalagi kalau UMKM tersebut belum memanfaatkan rekening bank u transaksi jual belinya.
Namun, bank penyalur kredit juga dituntut untuk dapat menyalurkan KUR sesuai target yg ditetapkan pemerintah. Oleh karena itu, bank berupaya kerja sama dengan perusahaaan perusahaan seperti tokopedia, bukalapak, go food, dll, yg mana para pedagang yg kerja sama dgn perusahaan ini berpotensi diberikan KUR, dengan adanya penilaian kepuasan dr pelanggan terhadap pedagang tersebut dan transaksi tunai yg minimal akan mempermudah pemantauan mutasi dana dan kemampuan keuangan calon debitur.
(Bersambung)
Terima kasih atas masukan dan sharingnya.. memang menurut saya permasalahan utama adalah dari segi informasi asimetris antara bank dan juga pemilik UMKM sendiri, oleh karena itu, saya memasukkan stakeholder baru yaitu perusahaan Financial Technology yang bisa menjembatani permasalahan ini dengan keberadaan Big Data dan Advance Analytics
Good luck, Martha!! Can't wait to see the program in action!
Thanks so much , Dita! :D Aminnn
Bukannya mawapres ui pertama dari FKUI ya? Apakah diganti?
Sama aku juga bingung
Congrats udah jadi top 1 mawapres di Indonesia.. speechless..
Great video! Really good job on expressing your thoughts related to this matter heheheBut I also want to express a couple of thought related to this:1. Branchless banking solution. In my opinion, to make it more convincing there should be data that proves that the MSME's enterpreneur are ready for such technology, since there is no point to implement this solution if it won't work anyway because they can't use it. Maybe you can use data related to technology litteracy for these enterpreneur.
2. You express a comprehensive thought related to the demand of easier credit for MSME's, but again, to make it more convincing I guess you should also do the same in the supply side. As some of other comments has mention, please also give consideration to the risk of these enterpreneur failed to payback their loan. Also please look into some constitution and banking rules related to their risk management and data verification.
All and all, good luck for the selection, and wishing all the best for you :)
Hi Yunita, thanks for the compliments and also the inputs! Would definitely put your inputs in lieu of the final round presentation :)
Maju terus,, berkarya untuk negri adekku.. We support you
keren banget kakk tugasnyaa
The Idea is awesome. Would be very greatful if this happen to meet the reality!
Some input: Even I have no data, but I heard lots of micro business players could not afford to have smartphones which sometimes we called it unbankable. U should have answers to tackle this problem. Moreover, lots of micro business players do not have fintech-like knowledge.
Also, Prepare the calculation of the impact with assumptions when the implementation is done.
Thanks for the inputs! Would definitely consider to put your suggestion for the final presentation :)
Good Luck kak Martha 🙏. Teksas selalu terkenang :)
482 sudah mendarat bos,di tunggu kembaliannya,vedeo ya mantap,terus berkarya dan bereksresi,sukses selalu bos
My inspiration
Amazing Martha... succes for you
Sy minat tindak lanjut risetnya didaerah sy jk minat.
Keren topiknya nihh relate juga sama yg lg happening
Hai, Evita! Insipiratif sekali video dan topik yang diangkat, mungkin bisa lebih baik lagi , Jika dielaborasi juga dari sisi resiko kemungkinan gagal bayar (NPL) bagi MSMEs yang menjadi concern bank untuk memberikan loan. Thank you
Terima kasih atas masukannya! :)
good luck Martha kasih tau kampus terbaik di Indonesia!!!!
Good luck!
Min mau tnya... kalo mau buat video kyak gini pkek aplikasi apa ya ?
Ada yang tau edit gini di aplikasi apa aja ya? Bagus banget videonya. Makasih sebelumnyaa
Semangatt yaa!!! Jangan patah semangatt demi mengharumkan nama kampus kita :)))
Terima kasih :)
MY IDOL ...
Semangat dan semoga berhasil bawa kemenangan untuk kampus kita 😊
Amin. Mohon doa dan dukungannya, ya :)
Keep fighting #ImGreyAndImProud #FEBUIBANGGA
Good Luck #thumbs
Bisa saya terapkan di bisnis kecil tas saya. Membantu pengrajin lokal 😊
Good luck 🖒
masuk ui lewat slekeksi nasional ga?
#pakeTCASH kedepannya melihat kesitu kok, yg segment micro buat lending, dan ga mesti smartphone. Btw, good explanation on the hot topics
Thanks for the compliment! Yup, I heard T-Cash memang sudah akan mengembangkan hal ini jadi seharusnya gap antara telco dan banking institutions bisa diminimalisir :)
keren
You are awesome 👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻👏🏻
This is a great idea explained clearly! Keep going and keep up the good work!
Thank you Ricky! :)
fanssssssss
Keren
Good luck Martha!
Sukses!!!
iya aku dukung
nice 👍
Semangat ! Do your best...
kereen
Good luck👍
kerenn
Good luck!!
Good luck kak Martha 😀
Goodluck!👍
Good luck!
amazing
Keep fighting!! #FEBUIBANGGA
Terima kasih Yuli! #GreyPride :)
Aduh terharu, saya sampai menangis😭
goodluck! #FEBUIBANGGA
Terima kasih Nadine!
love you ui
Goodluck UI! :)
Love you Martha!!!!! ❤️🧡💛💙
Goodluck kak!!
Good luck
Terima kasih :)
Good luck kak 🙏🙏 kereennn👍👍
Thank you Didik! :D
Greyy
Good Luck kak Marthaa!!
Thank you Rio!
Good luck!! Your idea is really good to help the others!
Thank you Mazaya ! :)
Good luck!
semangat kka.❤❤❤
Good luck
Good job Evita
Semangat kak!
Terima kasih, Kalista! :)
Mantaap!
goodluck kakk!
goodluck, kak martha!❤
Thank you Rubi! :)
Good Job my brothers Arga Ipb
greyy pride...
Bantai bosssssss
Hahaha, thank you Eric!!
Wow........semangat....!
Keren! Semangat terus kak Martha!!
Thanks Gingin! :D
GO GIRL!!! Love you Martha!!
Thank you Pauline! :)
Goodluck kak!
Thank you Luvie :)
Love you!!!!!
Great idea Mar! Good luckkk ❤️
Thanks nyssaa :)
COMPREHENSIVE
Thank you! :)
You rock, Kak Martha! I am utterly inspired by you. Good luck for your bright life ahead❤️😭
Good luck Martha!
Thank you Kak Abid!
saran: coba di elaborasi ke p2p lending yang bunganya dibatas oleh sistem dan tidak mencekik peminjam. Saya rasa akan lebih impactful karena semua orang bisa berkolaborasi. Good luck buat mapresnya!
tangannya kenapa yak wkwk :v
loan shark, loan banking = Riba, Ancaman Dosa riba paling kecil adalah spt ank kandung berzina dgn ibunya sendiri. anda bayangkan kalo ada ank kyk gitu anda pacul ngga tu ank? begitulah dosa riba sodara2.. Semoga bermanfaat
Bacotlu kontol, agama lu nyusahin aja
Kok kaya baca????