Let's make student loan happen - support our case from facebook page

1. Make
Student Loan Happen
Volunter to
THERE'S NO EXCUSE
NOT TO DO WHAT
MAKES YOU HAPPY.
CONTRIBUTE
THROUGH
ACTION!

2. Hi,
We're from danadidik
Dipo Ramli Januar Sudharsono

3. Because we had issues with
Education Funding
Every semester, I am worried
whether or not I can continue
school.
My (late) mother didn't
pay her tuition for
years
My wife couldn't get a
loan when she was in
college. Although she
was Doctor specialist
candidate

4. so we built...
Student Loan through crowdlending
Crowdlending is a marketplace for (i) students who want to borrow
and (ii) lender that wants to lend

6. Given out
loans
Weoperated...
Received loan
repayments&
Sotware development started in
Jun 2015, launched Nov 2015 for
borrowers, and Mar 2016 for
lenders

7. with excitement
We built our
beloved DANAdidik
(maybe too much)

8. cause apparantely we
were wrong

9. REALLY
WRONG

10. and
also
FUNDER
WEREN'T INTERESTED
Even though, there was lots of applicants
(students) c. 2,500 in c. 4 months
Financially, since students do not have any
income, students have such big risk. High risk
= high interest
DANAdidik product at the time....
BORROWING
RATE %
TOO EXPENSIVE

11. our good intention became...

12. we had the wrong mindset - the key is at...
SourceofFund
Source of Capital
Cost of Fund

13. DANAdidik's source of fund does not
come from banking or deposits or any
other common source.
We should have not followed the old
way of doing things.
DANAdidik lending rate is not related to
the country's interest rate, economy,
market price, personal risk, etc.

14. Actually, we can even be much better than banking
Lending
Rate %
cheap
Risk
Management
modern
note: danadidik will not use debt
collector

15. BETTER
MUCH MUCH

16. 0.5%Return to sponsor
0.5%Service fee to
& for every IDR 1mn, sponsor will pay
arranging fee of IDR 50k (5%) to PT
Pasar Dana Teknologi
APR = 12.0%
Not including saving (simpanan pokok &
simpanan wajib) when lender and borrower
becomes member of Financial Cooperative
Financial Cooperative takes revenue from
provision 2.5%. Financial Cooperative is
owned by members
PT Pasar Dana Teknologi(funder)
1%
RATE DECIDED BY "THE PEOPLE"
- FUND OWNER
Lender rate
As part of due dilligence, students must pay
registration fee of IDR 55k
Service fee is fixed at 0.5% - not percentage
from lending rate

17. Lender can continously re-
invest its fund to help more
and more people
Borrower will learn
responsibility
withaffordableborrowingrate...

18. WE KNOW OUR
WAY THERE

19. WE CAN'T DO
IT ALONE
but

20. VERSION 1.0 VERSION 2.0
Do-It-Yourself Open Source
Traditional
Source of Fund
Conventional
Interest rate %
< 5 people
Team
People who care
Source of Fund
Decided by
"The People"
Interest rate %
+ Volunteer's skill
Team

21. Democratization of Financial Institution
PT Pasar Dana
Teknologi
Financial Cooperative to
settle transactions.
Borrowers and Lenders will
become member of
cooperative
Volunteers to make it
happen

22. OPEN
SOURCE
all side
Not only technology and IT

23. INTERESTED
?

24. SKILL
CONTRIBUTION
We are looking for
Legal
MarketResearch
Marketing
Design
IT& Technology

25. Contribute through Action
Contribute by helping us complete tasks
Legal
(to do list)
Loan aggrement
Legal opinion regarding e-signator
Lender contract when joining Financial Cooperative
Market research
(to do list)
Market data target borrower
Market data total donation in Indonesia
Data tuition cost Indonesia, etc
Marketing
(forum based)
Increase volunter, students and lenders
Free flow - social media, print ads, etc
Design
(Guideline mock up & user
stories diberikan)
Frontend
Logo
Video, etc
IT & Technology Open source github or Copyleft (tbc)
we
need..

26. using latest technology to communicate
Auto reply from email
No notifications from other groups
Contribute through action. Do it and get done :)

27. Live survey - so we can monitor live feedback all the time
http://bit.do/jadikanpinjamanpendidikan

28. All communication and update will
be provided in facebook
Jadikan
Pinjaman
Pendidikan

29. “making student loan a
reality is the same as
opening doors for others
to a better life"
Sandra Devi,
VP of Student Management
DANAdidik

30. Thanks for reading
Student Loan can only happen if all of us want to
be involved

31. Contact & Suggestion
relawan@danadidik.com
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