Diana

Potential Startup to Invest
By Diana Widayanti
TABLE OF
CONTENTS
01
Indonesia Economic
02
Outlook Indonesia’s Business
Environtment outlook
03 04
Executive Summary Startup Investment
Propose (Asetku)
01
Indonesia Economic Outlook
Fact Sheet
Source:
EIU
Economist Intelligent Unit (EIU) forecast that Indonesia's economy will grow by an annual average of 5.2% in 2023-27;
this is largely on a par with rates of growth before the pandemic. The government will continue to focus on improving the
business environment to boost investment (domestic and foreign), particularly in infrastructure development. Investment
into the mineral and extractive sectors will stay robust, despite the high interest-rate environment. Private consumption
will remain the primary driver of GDP growth in 2023-27, expanding by an average of 5.2% per year. The growth of
merchandise exports (particularly for commodities) in 2023 will be slower than that of 2022 but will be sufficient to keep
the goods trade account in the black. The country's current account will remain in surplus in 2023 ‑24, but will return to
deficit from 2025 as domestic demand and, specifically, capital imports rise.
Source:
EIU
Demographic & Market
opportunities• With a population of 272m in 2022, Indonesia is home to
close to 40% of the population in ASEAN. EIU forecast
that population growth will continue to decelerate in
2023-27. The working-age population will grow at a
slightly faster rate than the overall population, but will
decelerate owing to falling birth rates. There are
considerable differences in growth rates and density
among Indonesia's various provinces.
• The proportion of income spent on food tends to fall, with

a larger proportion being charged for clothing, footwear,
transport and communications, among other
discretionary purchases. The increase in the urban high-
value load in cities means that there will also be an
expanding market for the consumer class of high-end
goods.
• A report released on September 26th by the World

Economic Forum shows that Indonesia's ranking in the
body's global competitiveness index has risen from 41st
to 36th in 2017
Source:
EIU Source:
EIU
02
Indonesia’s Business Environtment
outlook
Business Environtment Outlook – Financing Sector
• Released from the official OJK website, Until the end

of December 2021, lending from Peer-to-Peer
Lending (P2PL) recorded an annual growth of
95.05%.
• In December 2021, there were 2 new registered

platforms that led to a total of 84 Digital Financial
Innovation (IKD) operators with registered status,
consisted of 77 conventional and 7 sharia platforms
that are categorized into 17 business model clusters.
• Securities crowdfunding, an online platform that

brings together investors and business owners who
need funds (to start or develop their business),
recorded 7 registered platforms with total
fundraising reached IDR 413.18 billion as of
December 2021.
Source:
OJK
Indonesia's banking system is among the most profitable in the world,
with wide deposit-lending margins. The government will encourage the
Business Environtment Outlook development of the non-bank financial sector in 2023-27, including the
insurance, pension, mutual-fund, venture-capital and financial leasing
From Financing Sector

industries. A 2017 regulation issued by the OJK caps lending from
financial technology companies at Rp2bn per customer, amid strong
growth in new peer-to-peer lenders registered with the authority.
However, the ongoing weakness of nonbank finance in the country limits
Credit growth will pick up from 2024 as interest rates fall
access to sources of long-term funding. Since 2015 private insurers and
pension funds have had to compete with a national social security
scheme, which provides employment benefits including old-age pensions,
workplace-accident benefits and life insurance.
Source:
EIU
03
Executive Summary
Executive Summary
• Based on EIU report, lending growth accelerated in
2021, following tepid expansion in the previous two
years. Banks' non-interbank credit outstanding grew
by a nominal 11% (amid 5.5% inflation) to
Rp6.93trn in 2022, after rising by 4.1% in 2021 and
4.4% in 2020, according to the IMF. Deposits nearly
kept pace, expanding by 10.4% in 2022, following
growth of 11.6% in 2021 and 10.9% in 2020.
• Household credit, which accounts for nearly half of the

total credit of commercial lenders, grew by 8.8% to
Rp3.07trn in 2022, after rising by 8.4% in 2021,
according to BI. Consumer loans, which account for
Source:
nearly 60% of outstanding credit to individuals,
EIU expanded by 9.4% in 2022, up from 4.6% in 2021.
Housing credit, which makes up about 20% of
Based on my preliminary research findings, it can be concluded that the rapidly household borrowing, rose by 7.8% in 2022, down from
growing business sector in Indonesia currently is the financial technology sector. This 9.5% in 2021.
industry will continue to develop and grow rapidly in the upcoming years.
• Private-sector companies are the second-largest category
All of these factors can be used as references in making investment decisions. Based on of borrower, accounting for about two-fifths of
the information discussed, I recommend investing in startups in the field of financial outstanding bank credit. Credit to private non-financial
technology, and here are some recommended companies. firms rebounded sharply in 2022, marking a gain of
12.9% to Rp2.55trn in 2022, far faster than the Source:
4.6%
EIU
recorded in 2021.
04
Startup Investment Propose
INTRODUCTION
PT Pintar Inovasi Digital atau lebih dikenal dengan AsetKu berdiri sejak tahun 2017 sebagai platform Layanan Pinjam
Meminjam Uang Berbasis Teknologi Informasi (LPMUBTI) yang telah mendapatkan status berizin & diawasi oleh lembaga
Otoritas Jasa Keuangan (OJK)
Asetku disbursement is around Rp 83 Billion per day
Rp. 31,907,219,862,458
94,703
58.81%
148.95%
6,401,761
47.91% June 2021

Competitive Advantage
Value Proposition
11% p.a
23% p.a
5 Days 6 months
300,000 – 2 Million 2 million – 15 Million 2 million – 15 Million
15 Days – 12 Months 0,1 – 0,8% p.d

OJK, April 2021
480,575
147 OJK, April 2021
OJK, March 2021 51,992,746

8,307,983
OJK, April 2021

Diana

Uploaded by

Copyright:

Available Formats

Diana

Uploaded by

Document Information

Original Title

Copyright

Available Formats

Share this document

Share or Embed Document

Sharing Options

Did you find this document useful?

Is this content inappropriate?

Copyright:

Available Formats

Diana

Uploaded by

Copyright:

Available Formats

Potential Startup to Invest

• The proportion of income spent on food tends to fall, with

• A report released on September 26th by the World

• Released from the official OJK website, Until the end

• In December 2021, there were 2 new registered

• Securities crowdfunding, an online platform that

From Financing Sector

• Household credit, which accounts for nearly half of the

47.91% June 2021

15 Days – 12 Months 0,1 – 0,8% p.d

147 OJK, April 2021

OJK, March 2021 51,992,746

OJK, April 2021

You might also like