Latest posts
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Rethinking UMKM Credit Through Systematic Inventive Thinking
Innovating is hard. We need to come up with a new method, new idea, new product. We need to dig deep and think about the non-obvious yet powerful solution. There are many tools that can help us innovate like Design Thinking, Lean Startup, etc. In this particular post, we are going to discuss one particular…
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How to Lend to MSMEs in Indonesia When Bookkeeping Doesn’t Exist
Breaking Down Loan Business Using First Principle Thinking When you strip the loan business down to its core, three fundamentals stay: Why MSME Lending in Indonesia is Hard? To evaluate creditworthiness, design the terms, and set the price, lenders need clean, consistent data. MSME lending in Indonesia is tricky specifically because so many data are…