This presentation document is strictly confidential and solely for the use of PT investree Radhika Jaya and investree (Thailand) Limited. The content have been summarized to suit presentation needs; for actual definitions, descriptions and exclusion, please refer to the corresponding directorate. 2019 | PT investree Radhika Jaya Fintech, Investree dan Potensi Kolaborasi dengan BPR/BPRS Dr Amir Amiruddin Co-Founder Rakernas, Seminar Nasional, dan EXPO Perbarindo Bandar Lampung, 25 November 2019
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This presentation document is strictly confidential and solely for the use of PT investree Radhika Jaya and investree (Thailand) Limited. The content have been summarized to suit presentation needs; for actual definitions, descriptions and exclusion, please refer to the corresponding directorate.
2019 | PT investree Radhika Jaya
Fintech, Investree dan PotensiKolaborasi dengan BPR/BPRSDr Amir AmiruddinCo-Founder
Rakernas, Seminar Nasional, dan EXPO PerbarindoBandar Lampung, 25 November 2019
• Dr Amiruddin has over 25 years experience as Head of Investment Banking-Indonesia forDeutsche Bank-Singapore, Nomura-Singapore, Head of Wealth Management-Indonesia forSMBC Singapore.
• Educational journey across 3 continents 2 full scholarships and 3 post-graduate degrees:• International Baccalaureate from UWC Atlantic College, UK• Masters in Economics from Erasmus Universiteit Rotterdam• Master in Business Research from the University of Western Australia; and• Doctor in Business Administration from the University of Western Australia• Certified Professional Coach from the International Coach Federation-USA.
• A serial entrepreneur with a passion for education, social entrepreneurship and philanthropy withinvestment in a green, last mile logistics, online media and an early-childhood education.
• Chairman of Pascal Montessori in Bandung & Westbike Messengers Services (WMS), Board ofAdvisors to UWC’s National Committee for Indonesia & Board of Trustees for KsatriaAirlangga Foundation, a floating hospital that provides free medical services to the remoteislands in eastern Indonesia.
Fintech Lending will reach IDR 223 trillion of accumulative loan disbursements in 2020, representing an increment of IDR 200 trillion over the span of two years
Actual Forecasted
Mobile phone subscription growth is steady going forward, which supports the awareness and adoption rate of Fintech Lending
The increase use cases of Fintech Lending, as a result of collaborations with other digital platforms (ie. E-commerce, ride-haling, logistics) and acceptance from various customer segments
The development of supportive IT infrastructure and digital IDs, resulting in wider coverage and faster KYC processes, which will produce a steady retention and adoption ratio
Masalah Apa yang Investree Coba Pecahkan?Berkontribusi untuk mengurangi Credit Gap UMKM di Indonesia
Source: SME Finance Forum (Managed by IFC), The Edge Singapore – “Addressing Indonesia’s Financial Inclusion Gap”, Bank Indonesia
Financial Knowledge
High Bank CostsLess Focus
Despite Regulatory
Enforcement
High Growth of Corporate Sector
Lack of Robust Credit Scoring
High customer acquisition and servicing costs in rural areas as traditional banks do not leverage technology
USD165,8 billion MSME Credit Gap in
Indonesia
Many MSMEs lack the financial knowledge to comply with the procedures and requirements set out by conventional banks
Unbankable
60 million MSMEs in Indonesia are considered high risk and “unbankable”, with no collateral and no credit history
Lack of robust credit scoring system, with the credit assessment process being labor intensive
Bank of Indonesia Regulation No. 17/12/PBI/2015 enforces a minimum credit portion served to MSMEs by banks, however only 60% of banks reached the minimum of 15% (2017)
Many large banks focus more on corporate sector, evident in the higher growth of corporate vs MSME
• On the business borrower segment side, SMEs are firms whose financial requirements are too large for microfinance, but are too small to be effectively served by corporate banking models
• On the consumer borrower segment, the missing middle segment falls below the banks primary target and are seldom not served by them
• Registered total number of MSME is 60 mio companies mostly considered Micro.
• SMEs contribute 59% of the country’s GDP and employ’s 97% of the country’s total workforce
• SMEs contribution growth on investment on average/year is 8.5-10.5%
UMKM – “The Missing Middle” Investree “empowering” para entrepreneurs UMKM di Indonesia
Source: PwC, OJK, World Bank, Global Findex 2018Exchange rate: 1 USD = 14,117 RP
• Over 18 years foreign and local banking experience
• Last 6 years’ experience as Managing Director - RetailBanking for Indonesia's second largest Islamic Bank with over35% of market share.
• Extensive network and relationship with financial institutions,SOE, private sector, and regulators in Indonesia.
• Over 25 years experience in banking & capital market
• British Gas PLC - London, Bakrie Finance Corporation, AAA Securities,Deutsche Bank AG, - Singapore, Nomura - Singapore
• Latest position was Head of Indonesia – Wealth Management atSumitomo Mitsui Banking Corporation (SMBC) - Singapore.
• International Baccalaureate from United World College of the Atlantic,Wales, UK, Master of Science in Economics from Erasmus UniversiteitRotterdam, Master in Business Research and Doctor in BusinessAdministration from The University of Western Australia Business School
• A senior finance professional with 27 years experience.
• Developed his professional financial career Citibank Jakarta (InstitutionalBanking) and PT. Astra International Tbk Corporate Finance Group, He thenfurther advanced his career in the investment banking industry and joinedWestdeutsche LandesBank ( West LB ) as Senior Vice President / ChiefRepresentative Indonesia , Canadian Imperial Bank of Commerce (CIBC) WorldMarkets in Singapore as Executive Director in charge of Indonesia. In 2011 Erijoined Saratoga Private Equity Group as a Partner for US$600 million SaratogaAsia Fund III.
• Has a 21 year banking career spanning across various specializations, fromcapital and treasury market solutions to private financing origination.
• His most recent role was FICC sales for Goldman Sachs in SE Asia. He is aCFA charterholder and graduated from NTU Singapore.
• Kok-Chuan is a cofounder of Investree Indonesia and splits his time betweenSingapore, Indonesia,Thailand and Vietnam.
• Currently officiates as Ambassador of the Embassy of The Republic of Indonesia to Switzerland and Liechtenstein
• Former Deputy Governor of Bank Indonesia and former Chairman of the Board of Commissioners of the Financial Services Authority
• Currently serves as Director of the Sharia Supervisory Board – The Indonesian Council of Ulama (DSN-MUI) Institute
• Consultant in Legal Constituition and Legal Aid Institute, of Shariah Faculty Law of Syarif Hidayatullah UIN Jakartaand Arbitrators in National Sharia Arbitration Board (Basyaras) MUI
• Former Secretary of the Capital Market Division of the DSI-MUI Daily Committee
• Currently Secretary to the Economic Empowerment Commission at the Indonesian Islamic Leadership Assembly (MUI)
• Currently Vice-Director for the Shariah Business Incubation Center (Pinbas), also at MUI
• Currently Vice-Chairman Indonesian Islamic Merchant Association (ISMI)
• Currently Expert Staff to Legislative Council
Dewan PenasehatBerpengalaman di bidang regulasi dan tech
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FajarTechnology Advisor
• Cofounder and CTO of Happyfresh, online grocery startup based
• Ex-Engineering director at Yahoo• Cofounded Koprol, a mobile social network, sold
to Yahoo• Ex-Lead Software Engineer at Gap Inc.• Computer science engineering graduate from
WorkingtogetherwithInvestree since2017,usingMerchantCashAdvanceproducttobuildtheirinventoryasananticipationofincreaseofdemandinseasonalevent.Ever since, Torch able to double their production and increasetheir sales by more than 2x
Potensi Kolaborasi Antara Bank dan FintechLebih dari sekedar Loan Channeling
Connect with FinTechs Channeling thru FinTech Invest in FinTechs
Innovation lab Physical space that allows for collaboration with entrepreneurs and professionals of the financial sector
Fintech as a customerProvide fintechs the necessary products/services they need to operate effectively e.g. cash management
Fintech as a service Fintech can help banks with their technology such as credit scoring engine or even full-fledged white-labeling
ChannelingLow cost of acquisition of customers (CAS) strategy by using Fintech as origination partners
Fulfill the MSMEs target of 20% and/or accelerate the MSMEs portfolios
Direct investment Investment in FinTechcompanies by direct investment of the financial institution or holding company in the startup
Investment in specialized VC Investment in FinTech companies thru Venture Capital set up by the financial institution e.g. MandiriCapital, BRI Ventrures, Central Capital Ventura
Case Studies: SME Loan ChannelingKolaborasi dengan BRI dan BPR Supra
Membangun kolaborasi yang kuat untuk mendukung pertumbuhanekonomi sektor UMKM di Indonesia.
Source: finansial.bisnis.com
Berpartner sejak Juni 2019, Investree dan BPR Supra berkolaborasiuntuk menyalurkan pendanaan bagi UMKM.
Investree dan Bank BRI meresmikan kerja sama peningkatanpenyaluran pendanaan untuk pinjaman melalui platform Investree senilai Rp200 miliar per 26 Agustus 2019, yang merupakankelanjutan dari penandatanganan perjanjian yang sama yang sudahdilakukan tepat setahun lalu pada bulan Agustus 2018 setelahmelalui evaluasi dan track records yang baik.