Strengthening the digital economy will play a pivotal role in reaching Indonesia’s full potential. With more MSMEs engaged in the digital economy through broadband, e-commerce, social media, the cloud, and mobile platforms, they can have faster growth in revenue and employment, be more innovative and more competitive in the ASEAN Economic Community.Penguatan ekonomi digital akan memainkan peran penting dalam mencapai potensi penuh Indonesia. Dengan lebih UMKM yang bergerak di bidang ekonomi digital melalui broadband, e-commerce, media sosial, awan, dan platform mobile, mereka dapat memiliki pertumbuhan yang lebih cepat dalam pendapatan dan lapangan kerja, menjadi lebih inovatif dan lebih kompetitif di Masyarakat Ekonomi ASEAN.

1. With innovative solutions
Digitizing
Innovative
Cooperative

2. PAGE2
Business Profile
P r o f i l B i s n i s
Become the Major MSMEs Cooperative in order
to create a strong and independent the National
economy, based on the latest innovative
technology.
Menjadi Induk Koperasi UMKM guna mewujudkan ekonomi
nasional yang kuat dan independen, berdasarkan teknologi
terkini.
Our Vision Visi Kami
Induk UMKM Indonesia initiated by founder on 0ct 28, 2015 at Taman Ismail Marzuki. Those highest qualification
expertise are well known, excellent access and network, domestic as well as foreign financial institution,
development banks, information technology and telecommunication industries. Induk UMKM Indonesia forming
subsidiary business as Cooperative on Nov 10, 2016. Hereinafter named Koperasi Kerta Loka UMKM Indonesia
(KOIN).
Induk UMKM Indonesia berdiri pada 0ct 28, 2015 di Taman Ismail Marzuki. Didukung para pakar yang memiliki akses luas secara domestik
maupun lembaga keuangan asing, bank nasional, teknologi informasi dan industri telekomunikasi. Induk UMKM Indonesia membentuk anak
usaha Koperasi pada Nov 10 2016. Selanjutnya dinamakan Koperasi Kerta Loka Indonesia (KOIN)
Caramels icing lemon drops dessert sugar
plum macaroon. Pie cake with
Business Strategy Strategi Bisnis
Caramels icing lemon drops dessert sugar
plum macaroon. Pie cake with
Creative Solution Solusi Kreatif
Story About Our Business Latar Belakang Bisnis Kami
 Good Governance implementation.
Menerapkan tata kelola yang baik.
 Empowering innovative technology among the
MSMEs Cooperative.
Memberdayakan teknologi terkini antar Koperasi UMKM.
 Improve competitiveness to meet global
potential market.
Meningkatkan daya saing untuk memenuhi potensi pasar
global.
Our Mission Misi Kami

3. PAGE3
Top sector The top sectors will be the focus of KOIN
S e k t o r U t a m a y a n g m e n j a d i c a k u p a n d a r i K O I N
Maritime and fisheries
This potential spans the areas of capture fishery,
aquaculture, marine resources, as well as the processing
and marketing of such resources
Potensi ini meliputi bidang penangkapan ikan, budidaya, sumber laut, serta pengolahan dan
pemasaran sumber daya tersebut
Agri-food
Businesses seek solutions to
address the issue of food
scarcity
Mencari solusi bisnis untuk mengatasi masalah
kelangkaan makanan
Creative Industry
Design, media and entertainment, fashion,
gaming and architecture make more attractive
to tourists, businesses and residents
Desain, media dan hiburan, fashion, game dan arsitektur membuat lebih
menarik bagi wisatawan, pelaku usaha dan penduduk lokal
Energy
A sound and reliable energy supply is vital for
Indonesian society. As well as reliable, it must
also be affordable and sustainable
Pasokan energi yang terjangkau dan berkelanjutan, merupakan hal
utama untuk Indonesia
High Tech
Innovation is vital to businesses that want to
grow. The development of new technologies is
expensive and requires specialist knowledge
Inovasi sangat penting untuk bisnis yang ingin tumbuh. Perkembangan
teknologi baru adalah mahal dan membutuhkan pengetahuan khusus
Top sectors
All top sectors have a
strong international
position
100%

4. PAGE4
We identify the lack of appropriate skills as a major constraint to MSMEs development
K a m i m e n g i d e n t i f i k a s i k u r a n g n y a k e t e r a m p i l a n y a n g t e p a t s e b a g a i k e n d a l a u t a m a u n t u k p e n g e m b a n g a n U M K M
What is the bigest challenges for MSMEs business?
Apa yang menjadi hambatan utama usaha UMKM?
Empirical studies on factors affecting the growth of MSMEs can be roughly divided into
two groups external factors and internal factors that are beyond the MSMEs control.
Hasil studi kelayakan, faktor-faktor yang mempengaruhi pertumbuhan UMKM dapat dibagi menjadi dua kelompok faktor
eksternal dan internal faktor yang berada di luar kendali UMKM
SMALL
FIRM
FUNDING
Technologies
People
Pelaku Usaha
Funding
Pembiayaan
Policies
Kebijakan
Characteristics of Entrepreneurs
Prilaku Pelaku Usaha
Managerial Capacities
Penguasaan management
Marketing Skills
Kemampuan pemasaran
Technological Capacities
Penerapan teknologi

5. PAGE5
Sustainable Business Framework of KOIN
K e r a n g k a a c u a n b i s n i s d a r i K O I N
Business Incubator
Pelatihan Bisnis
Analyzing detailed business and the
participants must fulfill the incubator
programs.
Menganalisis bisnis dan mengadakan pelatihan bagi
anggota.
Capital Funding
Permodalan
Raising monetary contributions
from a large number of people,
through the online crowd-funding, venture
capital and cooperative profit sharing
Meningkatkan kontribusi moneter dari sejumlah besar orang,
melalui online pendanaan gotong-royong, modal ventura dan
pembagian keuntungan koperasi
Digital Business
Bisnis digital
e-commerce, crowd-funding campaign,
digital marketing.
e-commerce, pendanaan gotong-royong, pemasaran digital
Information Technologies
Teknologi Informatika
MIFOS Platform, Crowd Funding Platform,
Big-data Analytics, Technical Supports.
Aplikasi MIFOS, pendanaan gotong-royong, Big-data
Analytics, bantuan teknik 24jam

6. PAGE6
Information Technologies Timeline
As a business unit of the KOIN
June, 2016We started the business
Strengthening the digital economy will play a pivotal role in
reaching Indonesia’s full potential. With more MSMEs engaged in
the digital economy through broadband, e-commerce, social media,
the cloud, and mobile platforms, they can have faster growth in
revenue and employment, be more innovative and more
competitive in the ASEAN Economic Community.
Penguatan ekonomi digital akan memainkan peran penting dalam mencapai potensi
penuh Indonesia. Dengan lebih UMKM yang bergerak di bidang ekonomi digital melalui
broadband, e-commerce, media sosial, awan, dan platform mobile, mereka dapat
memiliki pertumbuhan yang lebih cepat dalam pendapatan dan lapangan kerja, menjadi
lebih inovatif dan lebih kompetitif di Masyarakat Ekonomi ASEAN.
Innovative Solution
Intermediate Online
Advanced Online
Engaged MIFOS system to in-house microfinance
business unit.
Collaborate e-commerce, social media and
GOTEO crowd-funding system.
Implement of the Information system in accordance
with the strategies planning, as following:
Menerapkan sistem informasi sesuai dengan perencanaan strategi,
sebagai berikut:
Digital Economy Strategy (Oct 2016)
We identify four levels of digital engagement for MSMEs based on technology
adoption, online presence, social media use and e-commerce capabilities.
Kami mengidentifikasi empat tingkat keterlibatan digital untuk UMKM berdasarkan adopsi teknologi,
kehadiran online, social penggunaan media dan kemampuan e-commerce.
Benefit of digital technology for MSMEs
37%
Basic online
18%
Intermediate Online
8%
Advanced Online
36%
Offline
Source: Deloitte Access Economics
No access to broadband, no computer or
smartphone and did not have a website.
Tanpa akses broadband, tanpa komputer atau
ponsel pintar dan tidak memiliki situs jejaring.
Broadband access, digital device such as a
computer or smartphone and static online
presence.
Ada akses broadband, memiliki perangkat digital seperti
komputer atau ponsel pintar dan keberadaan online statis.
Immersed in the social media through a
combination of integrating websites with
social media, live chat or customer threads
on websites.
Terlibat langsung dalam jejaring sosial, melalui
kombinasi situs jejaring yang terintegrasi dengan
media sosial, live chat atau utas (thread) pelanggan
dalam situs jejaring.
Sophisticated connectivity, social media
integration and e-commerce capabilities.
Memiliki konektivitas canggih, jejaring sosial
terintegrasi dan kemampuan bisnis e-commerce.

7. PAGE7
…..
To do collaborate…
…….
 1
 2
 3
To do what the next steps…
8.5
9.2
7.3
Business
Process
……
Team Skill sets
IT
Developer
Technical
Support
Our Intermediate Online
MFIs
CLOUD
BMT
Cooperative
MSMs
members
MFIs sources of financing
Bank, Government, Donor
grants, Savings and b2b
Reduced time in loan
processing. More efficient
client acquisition. Seamless
information sharing to
stakeholders.
Operating Efficiencies

8. PAGE8
To do
Tampilkan perbandingan keuntungan
crowdfunding
Harus melakukan apa untuk equity crowd
funding dan multilateral
MFIs
CLOUD
BMT
Cooperative
MIFOS system in cloud
providing by KOIN
MSMs
members
MFIs sources of financing
Bank, Government, Donor
grants, Savings and b2b
Reduced time in loan
processing. More efficient
client acquisition. Seamless
information sharing to
stakeholders.
Operating Efficiencies
Alternatives sources of financing
Portfolio member yang suskse
diajukan untuk mendapatkan dana
dari crowdunding.
Crowd-funding
Our Advanced Online
To do mulai dengan lending crowd funding
To do mengapa KSP, dan lainnya harus terlibat
Engaged MIFOS system to in-house microfinance
business unit.
To do karena KSP lebih prudent, kalau langsung
ke equity siapa yang mau jamin dan sme
Indonesia belum siap kesana
Equity Crowd-funding
Multilateral Crowd-funding
Engaged MIFOS system to in-house microfinance
business unit.
Collaborate e-commerce, social media and
GOTEO crowd-funding system.
Next strategy

9. PAGE9
Through technology and social online that can affect the success of MSMEs
M e l a l u i t e k n o l o g i d a n s o s i a l o n l i n e d a p a t m e m p e n g a r u h i k e b e r h a s i l a n U M K M
OPERATING SYSTEM
Windows, Linux, Mac OSx
J2EE CONTAINER
Apache Tomcat, Jboss
CENTRALIZED DATABASE
MySQL, MariaDB
Personal/Collector
Mobile AppsMIS/CRM Web
Regulatory
Compliance
Crowd-funding
Connectivity
Adapters
Built with world-class open-
source applications to provide a
complete range of financial
services needed for effective
financial inclusion solutions
Dibangun dengan aplikasi open-source
kelas dunia, untuk menyediakan solusi
lengkap bagi insititusi keuangan mikro
MIFOS Platform
MIFOS PLATFORM
Microfinance Core
Module
Portfolio Module CRM Module Risk Management
Security
Management
Task Management
Bulk/Offline
Transaction
Self-service Module
Business
Intelligence
Multi-language Accounting Module
Web-based back office
accessibility
Aksesibilitas back office berbasis web
MIS/CRM Web
Allows transact with mobile
application for members and
collectors staff
Memungkinkan bertransaksi dengan
aplikasi mobile untuk anggota dan
kolektor staf
Mobile Apps
Integrated with crowd-funding
campaign
Terintegrasi dengan kampanye pendanaan
gotong-royong
Crowd-funding
Enable integration with payment
gateway and others finance
institution
Memungkinkan integrasi dengan
gateway pembayaran dan lembaga
keuangan lainnya
Regulatory Compliance
API support to enable
integration with ERP and HRMS
system
Dukungan API untuk memungkinkan
integrasi dengan ERP dan system
kepegawaian
Connectivity Adapters

10. PAGE10
Drive Efficiency and Effectiveness with MIFOS
M e n d o r o n g E f i s i e n s i d a n E f e k t i v i t a s d e n g a n M I F O S
A web-based management information system (MIS) leveraging a centralized open source technology
platform to provide Microfinance real-time information, flexible operations, and the robust capacity to
scale upward and outward.
Sebuah sistem informasi manajemen berbasis web (MIS) memanfaatkan platform teknologi open source terpusat untuk memberikan
informasi real-time, kemudahan kinerja, dan meningkatkan layanan internal maupun ekternal bagi Lembaga Keuangan Mikro.
MICROFINANCE CORE CRM & PORTFOLIO ADMINISTRATOR
ACCOUNTING &
REPORTING
Loan, saving, shares, mix product Multi branch, group, individual
User roles and access
management
Multi-currency
Payment, withdrawals, and
adjustments
Meeting schedule, survey Audit trail Financial reports
Approval and task management Portfolio track performance Holiday support Daily transaction reports
Account activity, and transaction
history
Attach supporting doc to portfolio Multi-language Intercompany, reverse journal etc.
Make adjustments, repay the rest
of the loan and forgive interest
Self-service dashboard
Users limited to seeing data below
their assigned
Cash basis and accrual accounting
Reverse and Re-do (reschedule)
loans, saving
Blacklist account
Loan Officer can only see their
accounts
Business Intelligence dashboard
Disbursement, fees and interest Import and export account record Bulk and offline transaction upload
Tellers management Due diligence checklist
KOIN will manage the daily operation of the
Information Technology for the institutions
concentrate to major business.
KOIN akan mengelola pengoperasian Teknologi Informasi
agar lembaga berkonsentrasi untuk bisnis utama.
Who’s Guiding Mifos? Dukungan darimana?
Improve Information Management
with 100% loyalty free
Meningkatkan Manajemen Informasi
dengan 100% bebas royalti
Why MIFOS? Mengapa MIFOS?

11. PAGE11
Our implementation methodology aligns with the institution business process
M e t o d e p e n e r a p a n s y s t e m k a m i s e j a l a n d e n g a n p r o s e s b i s n i s k e l e m b a g a a n
Assessment & Planning
In-depth exploratory and planning stage
to determine information need and how
to accommodated them follow by
implementation schedule.
Tahap pemahaman & perencanaan informasi
yang dibutuhkan dirampungkan dalam jadwal
pelaksanaan.
Implementation
Review and optimization of
business processes align with
MIFOS best practice.
Meneliti dan memaksimalkan
proses bisnis disesuikan dengan
standar baku dari MIFOS
Step 2
Step 1
User Training
Training of additional staff,
followed by rollout to pilot
branches.
Pelatihan staf tambahan,
dilanjukan melalui terapaan
percontohan.
Step 3
Final Assessment
Monitoring, validation and final
adjustments.
Mangamati, pengesahan dan
penyesuaian akhir.
Step 4
Go live
Finishes rollout and KOIN will
manage the daily operation of
the Information Technology.
Peluncuran applikasi dan
selanjutnya KOIN akan mengelola
pengoperasian Teknologi
Informasi
Review &
Configuration
Reporting
Generation
Data
Migration