Fauzan Gani

The Indonesian Ministry of Environment and Forestry called for increased community participation in waste banks to support the country's waste reduction goals. They emphasized transforming waste banks into social businesses and building networks between stakeholders. Currently, the participation rate is low at 3.24 per 1,000 population, making it difficult to meet the 30% waste reduction target. As of 2024, Indonesia has 30,148 waste banks operating on reduce, reuse, and recycle principles. https://t.ly/kDJOY

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#landiskadwell For all our friends who work in Microfinance Institutions, let's comply with these Indonesian Financial Services Authority (“OJK”) regulations. There are 3 main regulations from OJK related to Microfinance Institutions (MFI), which are: POJK 10/POJK.05/2021, POJK 19/POJK.05/2021, and POJK 14/POJK.05/2014. In general, what needs to be considered is: 1.) The maximum loan disbursement limit is set at a maximum of 10% of equity for one customer. For customers with a good track record and including credit guarantee collateral, the maximum limit is set at a maximum of 20%. 2.) The economic value of the collateral is at least 120% of the financing value. 3.) The Non-Performing Loan ratio must be maintained at a maximum of 10% and is prohibited from exceeding 30%. 4.) If the MFI has deposits and/or receives loans of more than IDR 200 million, the MFI is required to form an allowance for financial losses. If not more, may choose to form a reserve of 15% of net profit or remaining business results each calendar year based on the approval of the general meeting of shareholders. 5.) MFI is required to assess collateral to determine its economic value and have a place to store collateral that meets minimum standards of security and safety. 6.) MFI is prohibited from receiving loans except from Indonesian citizens and/or business entities established and operating in the territory of the Republic of Indonesia. 7.) MFI must maintain a level of risk that includes a liquidity ratio of at least 4% and a solvency ratio of at least 110%. 8.) MFI must maintain equity of at least 75% of paid-up capital, or 25% of paid-up capital for MFI that has a total amount of deposits and/or loans received with a maximum amount of IDR 200 million and form a reserve set aside from net profit or remaining business results each calendar year. 9.) Financial reports must be submitted periodically to the OJK every 4 months for the period ending on April 30, August 31, and December 31 and submitted no later than the end of the following month. 10.) Announce the financial report for the fiscal year through the notice board at the MFI office or local daily newspaper no later than 5 months after the fiscal year ends and proof of the announcement is submitted to the OJK no later than 20 working days after the announcement date. #microfinance

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Impact equity investors aim to generate a positive social or environmental impact alongside a financial return, by investing in quality companies providing solutions to the world’s biggest challenges. Bank Rakyat Indonesia (BRI) seeks to promote financial inclusion in Indonesia, primarily by providing microfinance to micro, small and medium-sized enterprises (MSMEs). Thembeka Stemela Dagbo, an impact equity fund manager at M&G Investments, says: “BRI’s main focus is providing microloans to underserved customers in Indonesia. This typically includes micro and small business owners, or eligible individuals with low incomes or little to no credit history. It has reached millions of unbanked customers in the region, whilst also having programmes in place to drive greater financial literacy training for business owners, students, underprivileged and vulnerable women in the economy.” Visit the Impact Hub to find out more: https://ow.ly/Fcq250UjLCO #CaseStudy #MarketingCommunication #ImpactEquityInvesting

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Impact equity investors aim to generate a positive social or environmental impact alongside a financial return, by investing in quality companies providing solutions to the world’s biggest challenges. Bank Rakyat Indonesia (BRI) seeks to promote financial inclusion in Indonesia, primarily by providing microfinance to micro, small and medium-sized enterprises (MSMEs). Thembeka Stemela Dagbo, an impact equity fund manager at M&G Investments, says: “BRI’s main focus is providing microloans to underserved customers in Indonesia. This typically includes micro and small business owners, or eligible individuals with low incomes or little to no credit history. It has reached millions of unbanked customers in the region, whilst also having programmes in place to drive greater financial literacy training for business owners, students, underprivileged and vulnerable women in the economy.” Visit the Impact Hub to find out more: https://ow.ly/fvHC50UkQYM #CaseStudy #MarketingCommunication #ImpactEquityInvesting

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Corporate VC fuels Indonesian startup growth. What’s the catch? 👉 Read more: https://buff.ly/3YCkCBP - 🚀 Corporate venture capital (CVC) is vital in Indonesia's startup scene, involved in 45% of deals and providing startups resilience amid challenging climates. - 💼 Startups benefit from strong financial backing, faster funding, and ecosystem integration with CVCs, despite longer due diligence and potential restrictions. - 🔍 Successful CVC collaborations require startups to align their solutions with the parent companies’ needs, offering strategic synergies.

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[Published in March 2024] Here are three key points from the article about Investree's current crisis and its dealings with JTA: 📉 Investree, an Indonesian peer-to-peer lending startup, faces financial turmoil and allegations of misconduct involving its former CEO, amid uncertainty over a significant $231 million investment led by Qatar-based JTA. 🕵️‍♂️ Doubts about JTA's credibility arise as Tech in Asia's investigation reveals inconsistencies, including unverifiable educational claims by its CEO and unclear investment follow-throughs in previous commitments. 🚨 Despite a promised $7 million "rescue package" from JTA, regulatory filings and investigations continue, with Indonesia’s financial authority probing Investree for potential violations, casting further shadows on the startup’s future stability.

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Update from the 18th ASEAN Coordinating Committee Micro, Small, and Medium Enterprises (ACCMSME) Meeting hosted by the Ministry of Cooperatives and SMEs of The Republic of Indonesia! On behalf of the Better Than Cash Alliance, our Southeast Asia Lead, Isvary Sivalingam, presented the findings of the ASEAN Policy Toolkit: The Trust Quotient. https://lnkd.in/gAWBkQzN   It was a pleasure to discuss the findings with an extended community of policymakers from the #ACCMSME. Thanks to the Ministry of Finance, Republic of Indonesia, ASEAN Working Committee of Financial Inclusion and The ASEAN Secretariat for the facilitation and continued engagement.   With the objective of informing ongoing policy initiatives to better support micro-merchants, this toolkit brings the voices of the micro-merchants and their experiences with DFS through a human-centered design (HCD) approach. Key recommendations included:   👉 Developing industry standards for recourse mechanisms tailored to small-value disputes, ensuring prompt and fair resolutions.   👉 Embedding DFS support into existing MSME programs to enhance financial literacy and confidence.   👉 Shifting the data privacy burden away from users by simplifying data disclosures, making DFS more accessible and transparent.   👉 Collecting gender-disaggregated data to address barriers faced by female merchants. 👉 Promoting user-centric pricing communication to enhance trust and understanding among micro-merchants.   Together, we can empower micro-merchants and advance inclusive digital finance across the region.   Let’s keep building a trustworthy and resilient digital payments ecosystem!

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We believe that investing in Indonesian banking, property, and consumer sectors offers compelling opportunities due to a robust economy, stable regulatory environment, and growing population. Indonesia's banking sector benefits from a strong economy and increased access to financial services, while the property market sees significant growth driven by urbanization and a burgeoning middle class. Additionally, the consumer sector thrives with a youthful, affluent population. Meanwhile, monitoring the DXY, oil, coal, and gold provides insights into global economic trends. The DXY reflects the strength of the dollar and global trade dynamics, while oil prices indicate supply, demand, and geopolitical tensions. Coal serves as a marker for industrial activity, especially in emerging economies, and gold remains a hedge against uncertainty, reflecting investor sentiment and inflationary pressures. Observing these indicators informs investment decisions amidst today's interconnected global markets. Our intern, Frederick Anderson, has conducted a weekly technical evaluation on key indices crucial for assessment. The details of the analysis are delineated as follows. #joankapitalinvestama #economics #investment #capitalmarket

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Chickin Indonesia CEO's Insights on Podcast with Ministry of Cooperatives and SMEs In a insightful podcast session with the Kementerian Koperasi dan Usaha Kecil & Menengah (UKM), Chickin Indonesia's CEO (Tebe) Tubagus Syailendra Wangsadisastra discussed the immense potential for growth in Indonesia's broiler chicken industry and the consumption of high-protein chicken. Despite this promising outlook, chicken farmers, the backbone of the industry, face various challenges, including farm management complexities and market price volatility. To address these issues, Chickin is dedicated to providing innovative solutions that modernize the broiler chicken industry and democratize access to protein, paving the way for a more equitable and sustainable ecosystem. To learn more about Chickin's mission and the insightful discussion, watch the full podcast on the Youtube Channel of KemenkopUKM. Get a full insight, watch the full video, click here >> https://lnkd.in/gpuQKwJj #ChickinIndonesia #KemenkopUKM #podcast #broilerchicken #protein #Indonesia

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#Indonesia’s economic landscape is dynamic, but laced with uncertainties. How can the #coops sector, which helped the country through past challenges, tackle a new set of problems - and what regulatory support does it need? Syarahil Mutianwar Efendi writes for Co-op News

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As one of the leading and fastest-growing BNPL players, Kredivo launched the 2024 Indonesian PayLater User Behavior Report in partnership with Katadata Insight Center (25/6). The fifth edition of the annual report shifted focus from e-commerce to in-depth developments of BNPL in Indonesia, analyzing consumer behaviors, shopping patterns and preferences in both online and offline transactions, as well as its contribution in accelerating financial inclusion. With a bottom-up approach using primary data, this report also explores the latest insights into the BNPL landscape, highlighting its potential and emerging trends. #gokredivo Download the full report here: https://kredivocorp.com/ (EN version starts from p.64) Read the news here: (ID) https://lnkd.in/gwdm92Wf 

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Muhammad Arbani has launched his latest book titled “Intelejen Kompetitif: Menjalankan Fungsi Intelejen Dalam Pemetaan Potensi dan Risiko Ekonomi UMKM.” Arbani delves into the emerging spectrum of economic intelligence, exploring how UMKM can serve as key benchmarks for data collection and the execution of investigative and intelligence functions. In today’s digital era, UMKM are sometimes used as a shield for “white-collar crime,” hiding offenses such as money laundering, human trafficking, and terrorism financing. With easy access to business creation and capital flows, not all transactions are monitored by financial authorities. This book highlights the potential of identifying and reporting UMKM with suspected affiliations to criminal activities, based on variables outlined in the book.

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Mekari, Indonesia’s leading software-as-a-service (SaaS) company, will once again hold the Mekari Conference 2024 on Sept. 10 at ICE BSD. Titled “Sustainable Growth Through Limitless Digital Innovation", the conference will bring together technology and entrepreneurs, professionals and experts who will share inspiration and ideas on technological adoption for the sustainable growth of business, from MSMEs to large enterprises. The one-day conference will feature more than 60 speakers composed of entrepreneurs, leaders and experts from multiple industries, including technology and transportation, as well as media and entertainment. They will appear in sessions that will dissect the latest trends, such as accelerating business through hyper-automation, utilizing technology to support human resource (HR) productivity and building shock-resistant businesses in this digital age. With the array of sessions and speakers, participants are set to gain insights on strategies to leverage innovative technologies, be they artificial intelligence, financial technology (fintech) or automation, to support sustainable business growth in today’s challenging market. Apart from speaker sessions, this year's conference will feature new concepts, namely the Interaction Stage and Networking Night, which will enable speakers and participants to connect directly. The government has set its sights on developing the digital economy by 2045, whereby one of its aims is to create a business ecosystem by digitally transforming key economic sectors. Further information regarding the Mekari Conference 2024 can be seen on the website mekariconference.com. #SponsoredContent

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🇮🇩 Indonesia needs around USD 285 billion in financing by 2030 to meet its climate targets—a significant challenge for a rapidly urbanizing country. In 2024, United Nations ESCAP and Cities Climate Finance Leadership Alliance (CCFLA), assisted countries, including Indonesia, to assess their national enabling conditions for urban climate finance, focusing on policy, budget, climate data, and coordination. Learn more in our latest blog: https://buff.ly/40eXn34 #UrbanAct #ClimateAction #SustainableCities

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Delighted to have the opportunity to share Our CEO Chendy Jaya experiences on DigiTalk by PT Astra Digital Internasional alongside Tirrel Aulia, VP Head of Merger & Acquisition at Sinar Mas Land, and Paul Soegianto, Chief of Group Digital Strategy at PT Astra International Tbk. Sharing insights on current digital developments, we recognized the crucial role of collaboration and innovation, supported by the Digital Hub. Innovation challenges are essential, and therefore Imajin has been eager to be a part of such integrated ecosystem at Digital Hub, alongside pioneers of the other industries’ digital transformations startups. Watch our experience with Digital Hub in this podcast! #Imajin #DigitalHub #Innovation #ManufacturingHub #DigitalTransformation #DigiTalk #StartUp

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