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Di penghujung tahun 2019 ini, rangkaian <a href="https://amartha.com/id_ID/">Amartha</a> Impact Talk ditutup dengan sangat spektakuler. Diselenggarakan bersama pembicara yang sangat menarik dan ahli di bidangnya, Amartha Impact Talk Vol 4.0 ini mengangkat tema Economic Outlook 2020 and their Role of Fintech and Micro Business in Indonesia. Dalam acara Amartha Impact Talk Vol 4.0, kami mengundang Bapak Rudiantara, Menteri Komunikasi dan Teknologi Informasi 2014-2019 dan Bapak Chatib Basri Menteri Keuangan 2013-2014 sebagai narasumber.

Seperti yang dikutip oleh Bapak Rudiantara bahwa, “Amartha ini memiliki suatu hal yang beda, ya social Impact nya yang tinggi, dengan memberikan pinjaman kepada usaha mikro, memberdayakan ibu-ibu rumah tangga. Itu luar biasa”.
Simak selengkapnya.

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Highlights Amartha Impact Talk 4.0 bersama Rudiantara dan Chatib Basri

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Di balik pria sukses ada perempuan tangguh yang mendukung. Ya, dari kalangan selebritis, pemerintahan hingga pengusaha tak pernah terlepas dari peran wanita hebat didalam kehidupannya. Dari peran ibu hingga istri yang mendukung sang pria untuk sukses.

Pria tak pernah terlepas dari peran perempuan dibelakangnya. Begitu juga dengan para presiden dan mantan presiden di dunia. Ada istri yang selalu mendampingi sang suami saat bekerja. Bahkan, sang istri juga terus mendukung karir politiknya. Berikut para istri Presiden dan mantan Presiden yang mendukung sang suami selama mengabdi untuk negaranya.

<strong>Iriana Joko Widodo</strong>

Iriana Joko Widodo atau Iriana merupakan istri dari Presiden Republik Indonesia ketujuh, Joko Widodo. Iriana yang menikah dengan Jokowi pada 1986 memiliki tiga orang anak yakni Gibran Rakabuming Raka, Kahiyang Ayu dan Kaesang Pangarep. Dia setia menemani sang suami untuk pergi ke dalam negeri maupun luar negeri.

Dahulu, Jokowi merupakan pengusaha mebel yang menjadi Wali Kota Surakarta (Solo) pada 2005. Kemudian, pada 2012, dia menjadi Gubernur DKI Jakarta bersama Wakil Gubernur DKI Jakarta Basuki Tjahaja Purnama (Ahok atau BTP). Pada 2014, dia menjadi Presiden ke-7 Indonesia bersama Wakil Presiden Muhammad Jusuf Kalla.

Iriana merupakan sosok perempuan tangguh yang selalu berada disisi Jokowi. Saat ini, Jokowi yang berpasangan dengan Ma'ruf Amin menjadi calon presiden dan wakil presiden 2019 melawan Prabowo Subianto dan Sandiaga Uno menjadi calon presiden dan wakil presiden 2019

<strong>Michelle Obama</strong>

Michelle LaVaughn Robinson atau yang lebih dikenal dengan nama Michelle Obama merupakan istri dari Presiden Amerika Serikat ke-44, Barack Obama. Dia merupakan wanita hebat dibalik kesuksesan Obama. Selain sebagai istri yang tangguh untuk sang suami dan kedua anaknya Malia Obama dan Sasha Obama, dia kerap diundang sebagai pembicara. Apalagi, dirinya berperan aktif dalam mendukung pendidikan, nutrisi, pengentasan kemiskinan, aktivitas fisik dan makanan sehat.

Michelle bertemu dengan Obama pada 1989. Kala itu, mereka bekerja di firma hukum Sidley Austin, Chicago. Namun, mereka mulai bertunangan pada 1991 dan menikah pada 1992.

<strong>Brigitte Macron</strong>

Brigitte Trognieux bertemu dengan Emmanuel Macron di sekolah menengah atas. Ketika itu, dia berusia 39 tahun dan Macron berusia 15 tahun.

Pada 2007, dia menikah dengan Macron. Pada tahun 2015, dia berhenti dari pekerjaannya sebagai guru sastra di Lycée Saint-Louis de Gonzague di Paris untuk mendukung karir politik sang suami.

Sebelumnya, dia sudah mempunyai tiga orang anak dari mantan suaminya André-Louis Auzière yang bercerai pada 2006. Pada 1989, dia pernah mencoba menjadi calon anggota dewan kota Truuchtersheim, tetapi gagal.

Amartha sebagai perusahaan fintech peer to peer lending mendukung perempuan tangguh di Indonesia. Amartha sendiri fokus dalam pendanaan untuk pengusaha mikro perempuan di pedesaan. Amartha mempertemukan pendana di kota dengan mitra usaha Amartha di desa. Dengan pendanaan mulai dari Rp 3 juta, Anda sudah dapat mendanai mitra Amartha. Anda akan mendapatkan keuntungan hingga 15 persen. Mari kita bantu pengusaha mikro di desa untuk lebih maju lagi bersama di <a href="http://amartha.com">amartha.com</a>

Di Balik Pria Sukses Ada Perempuan Tangguh

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It was a pleasant experience to have a brief interview initiated by Pulse Lab. Here is a glimpse of it, <em><a href="https://medium.com/pulse-lab-jakarta/amartha-using-technology-to-re-define-creditworthiness-in-rural-indonesia-9771fc5351cf">original article</a> by (Rico Setiawan, <a href="https://www.unglobalpulse.org/jakarta?utm_campaign=website&amp;utm_source=email&amp;utm_medium=cpc">Pulse Lab</a>)</em>

Every so often, there is a desperate need for a loan when running a business. If you’re living in a metropolis, a handful of lending institutions may present themselves depending on your credit history. If you live in a rural community, on the other hand, and have never banked with a formal institution: what are your options for borrowing?

In Ciseeng Village, Bogor, a mother running a small food shop (warung) found herself in such a situation a few years ago. Unable to maintain her shop, she was on the verge of calling it quits. And then, she met Andi Taufan Garuda Putra (Amartha’s founder and CEO) who agreed to lend her the money she needed. Blossoming from this and other initial loans into a financial technology (FinTech) start-up called Amartha, today, many people living in rural areas of Java rely on this peer-to-peer (P2P) lending institution for a way out of a tight spot.

Last month, I sat down with Amartha’s vice president, <a href="https://amartha.com/blog/demi-keadilan-ekonomi/">Aria Widyanto,</a> to learn more about its business model and ambitions.
<h2><strong>Q: What is Amartha?</strong></h2>
Amartha’s focus is on advancing financial services to micro and small business (UMKM) through a peer-to-peer business model in rural areas of Indonesia. Based on our social research and experiments, we believe poor people in rural areas need an easy access to funding and financial mentoring. Those two things are the core principles of Amartha. Despite starting off as a microfinance institution in 2010, Amartha today has transformed into a FinTech player. Our peer-to-peer business model complements our vision, because the model can connect more resources from the funding side, that way borrowers can have more opportunities to be funded. Previously, all of the funding came from Amartha directly, hence the number of loans were also limited in value. With our transformed model, sources of funding can come from many registered investors. Investors can choose directly which applicant to fund. Through the concept of peer-to-peer lending, Amartha expects this micro segment to become more modern and expand rapidly.
<h2><strong>Q: Who does Amartha target?</strong></h2>
Amartha’s main target group is working age mothers with dependents. Before deciding on a target area, we conduct research in the community that we are considering. We typically bypass villages that have been largely served by other financial institutions. Amartha does a demographic survey and market validation in areas that are below the poverty line and under-developed (and, especially, not served by conventional banking systems). Through research and discretion, we come up with a list of eligible borrowers. At this stage, we divide borrowers into groups and provide some with financial-related coaching. We also use our own personal credit scoring.
<h2><strong>Q: Can you describe the personal credit scoring?</strong></h2>
We created a unique model to analyse unbanked financial transactions to measure the creditworthiness of an applicant. Bank credit scoring is traditionally based on transaction history, which does not exist in our target areas. Therefore we developed an approach that blends demographic profiling and psychometric tests to model risks and determine the probability of repayment. By analysing the risks, we can then directly generate credit scores. This determines how much money the borrowers are eligible for and the credit tenure. For applicants who pass the selection steps, their data are uploaded to the Amartha platform — our marketplace — to be paired with investors/lenders.
<h2><strong>Q: How many investors do you have?</strong></h2>
Amartha’s vision is to be an informal bridge between lenders and borrowers, enabling affordable access to finance. Right now, we have more than 5000 investors registered in our system. They usually monitor the “to be funded” group daily via our marketplace. On average, around 90 percent of borrowers receive funding within a day. Investors agree to a profit-sharing scheme, with a 15–17 percent return. So, from the investment side, our model is also attractive. However, our challenge as a FinTech business is how to scale up quickly, because our focus is now in rural areas and some villages in Indonesia are difficult to reach. We also need to move faster to cover more areas so that we can serve more people. Therefore, part of our solution was to create technology-based products to help us operate more efficiently.

[caption id="attachment_2007" align="aligncenter" width="940"]<img class="size-full wp-image-2007" src="https://access.amartha.com:443/uploads/Credit_score_2_ac011fc49c.jpg" alt="Amartha uses credit scoring system to help mitigate risk" width="940" height="592" /> Amartha uses credit scoring system to help mitigate risk[/caption]
<p class="p1"><span class="s1">In Indonesia there is actually a similar system under the control of Bank Indonesia, called Debtor Information System (SID - Sistem Informasi Debitur). However, this system can only assess bankable people.</span></p>
<p class="p1"><span class="s1">Here is the role of credit score system developed by Amartha. Through this system, they can provide an accurate analysis of a person's credit risk even though the person is unbanked people. Unlike systems like Debtor Information System that rely on banking transaction history, Amartha adds psychometric survey data and economic feasibility survey as a consideration to assess the credit risk of the borrower candidate. Using a machine learning approach, Amartha can assess credit risk after studying data from potential borrowers in the past.</span></p>
<p class="p1"><span class="s1">In result, the system generates credit risk ratings ranging from classes A, A-, B, B-, C, D to E. In Amartha's Peer-to-peer lending platform, this rating is used to assess credit (credit pricing) that is eligible to be granted to prospective borrower, which includes Tenor, Rate, Instalment, and Ceiling Rate.</span></p>
The credit scoring system also gives a clear view for lenders to measure risk and project their annual profit. For instance, the highest credit score group like of A, A-, to B are translated as low risk, low return investment, with profit share varied between 12-15%.<em> </em>

Amartha, Using Technology to Re-define Creditworthiness in Rural Indonesia

Tag: peer to peer