Proposal STIFIn Business

1
Investment
Proposal
STIFIn
Business

Proposal Background
The parents on occasion do not realize their
parenting methot is wrong and could have a
negative impact on the children
(kompas.com, 2018)
According to Educational Psychologist of Integrity Development Flexibility
(IDF)IreneGuntur.M.Psi.,CGA,87percentofacollegestudentinIndonesiawrong
on choosing the major
(okezone.com, 2018)
International Labor Organization survey in 2016 showed the unemployment
rate of young people from the age of 15-24 years in Indonesia is still hight, it
reached 4 million pepole
(suara.com, 2018)
From 2 million marriage in Indonesia, there are almost 300.000 - 340.000
which failed and end with divorce. And in last 10 years, the divorce case is
increased by 20%
(Wartakota Tribunnews, 2018)
2 www.stifin.co.id bisnis@stifin.co.id stifinbisnis

One of the causes of problems above is the lack of mutual understanding, both
of oneself, of couples, and of children, especially in the family environment.
The Parenting style which uses generalize methods and imposing a decision,
makes the children become depressed. Indirectly, this has an impact on
psychology that affects child life. If the method is still used, it will have a negative
impact on child growth.
In other cases, child problem arises as a result of the incompatibility between
the major and the chosen profession. Parents are less able to direct children to
find their talent and interest. Children also feel unsupported, even depressed
by parent choices. Thus often the problems that occur, appear when graduating
from school or college when children are confused with their future.
Other problems arise during when applying for a profession, whether it is in
accordance with their best ability, or just following the flow of running water
which is not comforting while working.
It is similar to high divorce cases. This happens due to a lack of mutual under-
standing between couples. The minimal acceptance of character differences has
an impact on conflicts that end in divorce. If a husband and wife know each other
and understand, an attitude of acceptance will emerge which lead a divorce to
be minimized.
3
The Background
www.stifin.co.id bisnis@stifin.co.id stifinbisnis
Therefore STIFIn is here to resolve the people problem. By
finding passion and character early on, it becomes the best
essential solution for the life of Succes-Glorious.

44
Greetings from
Succes-Glorious
STIFIn concept begins with research for more or less 13 years. STIFIn concept has
helped almost 200 national company and state-owned enterprises in Indonesia
by increasing and developing their jhuman resources through tranining which is
held by KUBIK Training & Consultancy (www.kubik.co.id)
STIFIn is an acronym of Sensing, Thingking, Intuiting, Feeling, and Insting. STIFIn
is a theory of 5 Intelligence Machine which s developed by Farid Poniman. The
basis of STIFIn theory is reverring to the psychological theory of Carl Gustav Jung,
Ned Herrman, and Paul D. Maclean.
To know the intelligence Machine could be done through the STIFIn test. The
result of the test could give a lot of information which could be uncovered, for
example, body metabolism, body structure, power and weakness, nature couples
chemistry,suitableprofession,studymethod,workingmethot,intractingmethod,
and to live a successful life method.

55
What is STIFIn Test?
If IQ Test measure the intelligence score by general, then STIFIn Test measures
intelligence type specifically. This intelligence is called Intelligence Machine.
How is it done? By scanning your ten fingerprints, then it is sent to the central
STIFIn server to be processed by application until the result is finished no more
than one day.
The Intelligence Machine on the STIFIn Concept it is like finding the “operating
system” of the brain (computer terms). Meanwhile, the other fingerprint test
could only measure the hardware of the brain.
Every Intelligence Machine has a drive which we called as a pilot.The Intelligence
Machinewhichissteeredbyapilotbecomeapersonality.ItisbecauseIntelligence
Machine and the pilot comes from a genetic, thus the personality which is formed
become a permanent personality
If your Intelligence Machine is founded, it will be known your brain and your body
way of work. By knowing both of them, then it could be predicted the tendency of
a pattern in life, for example: school, career, business, profession, partner, health,
and so forth. STIFIn is not a prediction.
STIFIn is applicable in life.

6
6
R&D Phase of STIFIn Test
The Research and Development division is a special division which handles the
technological development and biometrics of STIFIn Foundation with its main
purpose is to launch the DNA test tools version 3.0.
The test tools which is used by STIFIn right now (the 1.0 version) is a result
discovery of direct relation of the fingerprint with the human brain activity
through the neural network where the brain activity could explain the behavior,
psychological, and a tendency of people choices in solving a problem.
In the next step, STIFIn Foundation RnD team is in the middle of developing the
2.0 version test tools which based on the biometrics technology of iris and sound.
While for the 3.0 version, the team is preparing the test tools based on brain
imagining EEG which based on brain waves.

7
7
Research and Development
Phase of STIFIn Test
ThetesttoolswhichisusedbySTIFInrightnow
(the 1.0 version) is a result discovery of direct
relation of the fingerprint with the human
brain activity through the neural network
where the brain activity could explain the
behavior, psychological, and a tendency of
people choices in solving a problem.
In the next step, STIFIn Foun-
dation RnD team is in the mid-
dle of developing the 2.0 ver-
sion test tools which based on
the biometrics technology of
iris and sound.
While for the 3.0 version,
the team is preparing the
test tools based on brain
imagining EEG which
based on brain waves.
STFIn have a main goal to launch the DNA test
tool version 5.0

88
Technology Use
STIFIn Blockchain
now is doing RnD
Pfalpha Coin
STIFIn Web Based
Online Test
trough website
and smartphone
application
Big Data On
Going Research

99
“A business which becomes a vessel to develop a self
potential starting from pouring an idea, trendsetter, creative
assembly, and added value which I give and I felt the honor of this business from
the knowledge that I shared to the promotor & business client from every era,
time & generation.
”(Dhew Siregar, Depok Branch Investor & ex. Depok Head Branch)
“Spread out the Spirit of Success-Glorious. That is the base of our spirit until
now we still run the STIFIn Business. The business which invites us to do a huge
impact benefit for other people through the introduction of Genetic Capability
which is very much like you! Along with it, we get a business profit which is very
good. If you have the same spirit, then take a decision right now and join with us.
Greetings, one test equal one good.
”(Ramdhani Mulyadi, STIFIn Manager of South Jakarta Branch)
The business which invites us to do a huge impact benefit for
”STIFIn Business is a unique Business which is perfect for every time, in any
country and perfect for every generation.
”
(Solver Agung, International Master Solver of STIFIn, STIFIn Singapore)
”STIFIn is very good! We are not only getting the benefit for the world but also
the afterlife. Learning the concept have a benefit for our life family and peoples
around us. Do the business to get a huge margin. It will never expire And could
get a free strategic coaching direct from the founder.
”
(Solver Asa, Owner of STIFIn Bekasi branch)
”STIFIn is not only a business. But its a LIFE.
It triumphs completely in every aspect and perspective of life
To realize many people to be ready ON TRACK in every aspect
of life. If you want to achieve Success-Glorious and satisfied
learn and use STIFIn.
”(Dato Dr. Baha Hj. Nordin, STIFIn Malaysia President)
What did the STIFIn
Branch said?

10
What is the benefits?
If only the leader from the beginning had known the Intelligence Machine
of their employee, certainly it will be easier to build the teamwork and the
realizationoftherighttrainingwhichissuitableforeachoftheirsubordinate
to reach the company target goal.
If only the teachers and parents from the beginning had known the
Intelligence Machine of their student or children, certainly the process of
the child education will be more focused, appropriate and at best and the
most important is that they avoid from the“false”investment & training.
IfonlythehusbandandwifefromthebeginninghadknowntheIntelligence
Machine of their partner,certainly it will be easier to build their best family
relation.
3
1
2
www.stifin.co.id bisnis@stifin.co.id stifinbisnis10

11
Every person have a strength and weakness.
Success could be formulated by increasing
the strength and minimize the weakness.
www.stifin.co.id bisnis@stifin.co.id stifinbisnis 11

12
Vision
To make the STIFIn concept as the most applicable
derivation of the Qur’an
Mission
To make the STIFIn Test as an International
ID card data
STIFIn Vision and Mission
Statement
www.stifin.co.id bisnis@stifin.co.id stifinbisnis12

13
The History of the
Establishment
The History of the Establishment of the STIFIn Concept
The establishment history of STIFIn concept had begun in 1999 - when Farid
Poniman along with his friend, Indrawan Nugroho, which was followed next by
Jamil Azzaini built Kubik Leadership training institution.
Afteralongtimeofresearch,nowSTIFInbecomesaLegalEntity.STIFInFoundation
has 12 Branch, 12 Old Branch (Regular), 2 Exclusive Representative Branch,
1 Saless Agent, more than 1.705 Promotor and more than
360.000 test had been done.
“STIFIn is used by Kubik since the 1999 and have facilitated more than 360.000
people to find their RED CARPET”
First Concept
Intelligence
Machine
Last and Final
Concept
Intelligence
Machine
13

14
STIFIn Timeline
STIFIn FOUNDATION HAVE 4 INSTITUTION
STIFIn Pusat
As a central of every
regular branch and
permanent.
STIFIn Bisnis
Focusing in Business
Make sure that STIFIn
is doing well in the business
As a knowledge focus
of the Knowledge Supervi-
sion, a seminar, and science
STIFIn Institute
CSR and a prove that the
STIFIn concept is applicable
Rumah Quran STIFIn
1999 2006 2009 2012 2018 2019
Kubik Leadership
The first STIFIn concept
which has been written
into a book and made
into a company which
is move in the human
resource development.
STIFIn Concept
Is a development of
the STIF concept and
it is perfected into
STIFIn.
STIFIn become
a Company
The beginning of
STIFIn become a
company.
Rumah Quran
STIFln
As a CSR and a prove
that STIFIn concept
is applicable with
the graduate student
that until now has
reached to hundred
of santri
Company
become a
Foundation
The company
become a STIFIn
foundation
STIFIn
Salam Safar
It is a trading
principle with Allah
by facilitating and
lowering the cost
of Umroh
For Hajj and Umroh
To facilitate the pilgrims to go
to the holy land with the
real cost
STIFIn Salam Safar

1515www.stifin.co.id bisnis@stifin.co.id stifinbisnis
Andri Suhardiman
STIFIn Pusat GM
Bunda Jauda
RQS Director
Hidayati Nurrokhmah
STIFIn Institute Director
Nabila Jauda
STIFIn Business Director
Sufandito
Salam Safar Director
H.M. Noer
Senior Programmer
Nabila Jauda
Leader
Farid Poniman
STIFIn Founder
Ahmad Sholahuddin
Strategical Business CEO
Dhey Siregar
Miliarder DutaSTIFIn CEO
Fahmi Almuttaqin
Pfalfa Director
Coordinate Line Coordinate Line
Organizational structure of
STIFIn Foundation

16
Target Market
Company Employee Community
Family Student College Student

Workshop STIFIn
The level if STIFIn Workshop
1. WSL 1 (Workshop STIFIn Level 1)
2. WSL2 (Workshop STIFIn Level 2)
3. WSThematic (Workshop STIFIn Thematic)
4. WSL 3 (Workshop STIFIn Level 3/Solver)
The requirement to enroll in the WSL3 is, at least, follow three WSLThematic
STIFIn
Profession
WSL1 WSL2
WSL
Thematic
WSL3 WSL4
Promotor
Solver
Consultant

STIFIn Solver
Ahmad Sholahuddin A Agung Purnomo
Nabila Jauda Hidayati Nurrokhmah, S.Psi
Alif Kaharuddin H.M. Hari Sanusi
Right now STIFIn Solver have more than 32 trainer
throughout Indonesia. The members are among others:

STIFIn Solver
Himma Jauda Dr. Wan
Catur Mulyono Dhiabattar Maulana
Abdul Chalim Dhey Siregar
Marte Lusiati Fery Azwar
Al Nur Fatmawati Abd, Fatah Reza Milady Fauzan
Bunda Mimin Herawati Thahir
Jamalum Sinambela Sofyan Abdilah
Gozali Rahman Afifah Nurani
Richart Perdana Runny Yuliasari
Novia Dewi Hensy Deniartie
Bro Ismail Jasmin Harun
Irbasyama Jauda Rina Setiawati
Jasmin Harun

20
STIFIn Trainer
Ayah Farid Poniman
STIFIn Founder
Indrawan Nugroho
Master Trainer
Jamil Azzaini
Master Trainer
Hidayati Nurrokhmah, S.Psi
Master Trainer
Right now STIFIn Licensed Trainer is more than 98 trainer in
throughout Indonesia. The trainer is among others:

21
STIFIn Trainer
AHP Andhika Harya Pratama
Trainer Licensed STIFIn
DR. Asriana Kibtiyah MSI
Alif Kaharuddin
Reza Milady Fauzan
Meries E. Muhammad
Edy Darmoyo
Runny Yuliasari
Dhey Siregar
dr. Eko S. Nugroho, MPH

22
STIFIn Trainer
drh. Ridhanisa Ayu Mayasari
Popi Dian Hartini
Herawati Thahir
Denny DachlanTrainer
Licensed STIFIn
Monde Arista
Esa Puspita
dr. Hendra Aguswarman
Jufri Anthony
Achmad Faisal
Alif Kaharuddin

23
STIFIn Trainer
Arum Mimin
Bunda Dini
Apran Abdi
Renny Artanti
Solver Agung
Sjamsul Harun
Meuthia Z Rizki
Beni Badaruzzaman
Ani Gahara
Rina Setiawati

24
STIFIn Trainer
Catur Mulyono Lucy Rachmala
Dr. Mira Susfita, M.Pd.I. Satrya Yudha Wibowo
Min Ruminah S.Pd. Heru Fahamsyah
Rahmadani Andi Yujayanto
Yeni Ernani Ir. Adhi, A
Niqya Rasyida Amalia Thomas Pakaya
Ferri Azwar Mochamad Nuruddin
Esa Puspita Ginanjar Alzaro Rashad Prakas
Hensy Deniartie Yacob Pranoto
Jamalum Sinambela AHmad Daiyuddin Hanief
Ade Rupawan, S.H., M.M., M.Kn. Yulianty Sutisna
Marte Lusiati Wulan Sri Maulani
Anja Sriniva Rosa Marsela Oktapiati
Popi Dian Hartini Daan Sahrizqi Hidayat
Sjamsul Harun Ely Yuliawati Rosidah
Faisal Fakkar Sofyan Abdillah
Meries Erruwati Muhammad Al Nur Fatmawati Abd. Fattah
Andi Sitti Aisyah Lamboge Andriys Ariesson Harieska Prajas
Reza Milady Fauzan Taufan DIbri Jalil
Irawati Farah Diba
Umi Lestari Indra Syahputra
Attila Larasati Ulfah Muhaimi
Abdur Rouf Adi Safri Marta
Edy Darmoyo Adinda Aisha Farid
Galuh Sulistiyo Syafrida Juniaty
Nita Apriani
Dodi Rustandi
Denny Dachlan

2525
STIFIn Branch
What is STIFIn Branch?
STIFIn Branch is the holder of STIFIn license and there is only one active branch in
every City or District throughout Indonesia. City or District which already have an
active STIFIn Branch may not be built a new branch and new sales agent.
The Potential of STIFIn Branch Business?
Up until now, there are around 360.000 peoples who already have done the
Intelligence Machine test. Mostly they are focused on Jakarta and around it, or
it is only 0,1% from 265 million people in Indonesia (2018 BPS
Survey).
Generally, if there are only 25% as an objective, it means there is still only
65.890.000 people who are not yet taking the test.
This means the business opportunity is still huge and very potential for an
entrepreneur outside of Jakarta.
Therefore, we offer an opportunity for you. To be in Business of Human Resource
Development both in the education scope, company, and even the general public
by opening STIFIn Branch in more than 514 cities or districts
throughout Indonesia.
it is only
0,1% from
265 million
people who are
already taking the
Intelligence
Machine Test

2626
Investment Partnership
For an investor who did not want to run the Business
of STIFIn alone, STIFIn Bisnis could find a partner who
would run the business
Branch Sales Agent
Get a paid 7.059 paid vouchers and
706 free vouchers.
Get a paid 2.353 paid vouchers and
236 free vouchers.
Could arrange official events of STIFIn
and workshop (WSL 1/2/Thematic)
Could not arrange official events
of STIFIn and workshop
Maximum promoter is
unlimited
Maximum promoter limited
to only 30 people
Unlimited active period Unlimited active period
Have 3 casts of voting on
STIFIn national conference
Did not have a privilege to join in
STIFIn national conference
Have a privilege to invite SI trainer for
three times and plus one time for
every 200 million refill
Did not have a privilege to invite
the SI trainer
There is only one branch in one
city or district
There could be more than one
sales agent in one city or district
Have a privilege to join
S3 program
Did not have a privilege to join
S3 program

27
The Sales Flow of Test Voucher
The Source
of Profit
STIFIn Pusat
sales the voucher
to the branch
STIFIn Branch
purchase the
voucher for
Rp. 85.000
Promoter
purchase the
voucher from
the Branch
for Rp. 175.000
Client pay
Rp. 350.000/test
27
Selling the
STIFIn test
Voucher
Seminar and
Workshop
Merchandise Book
004076-344125-0039
304070-344125-1000
004076-344125-0044
004076-344125-0041
304070-344125-0043
004076-344125-0042
304070-344125-0040
004076-344125-0038
304070-344125-0037
004076-344125-0045
Profit
Genetic Intelligence
Other Marketing Co-creation

2828
Estimated Profit of STIFIn Branch Business
STIFIn Branch Regular
Capital Employed
Sold To
Promoter Consumer
1 Voucher, Rp. 85.000,- Rp. 175.000,- Rp. 350.000,-
Beginning Capital Rp. 200.000.000,-
Get 2.353 voucher Rp. 411.775.000,- Rp. 823.550.000
Beginning Capital Rp. 200.000.000,- Rp. 200.000.000,-
Net Income Rp. 211.775.000,- Rp. 623.550.000,-
Capital Employed
Sold To
Promoter Consumer
1 Voucher, Rp. 85.000,- Rp. 175.000,- Rp. 350.000,-
Beginning Capital Rp. 600.000.000,-
Get
7. 059 + 441 (bonus) Voucher Rp. 1.312.500.000,- Rp. 2.625.000.000
Beginning Capital Rp. 600.000.000,- Rp. 600.000.000,-
Net Income Rp. 712.500.000,- Rp. 2.025.000.000,-
Permanent STIFIn Branch

Estimated Cost Detail for 6 Months
Capital
Employed
No Cost Breakdown Quantity Cost Breakdown Total
1 Voucher Cost 2353 Rp200.000.000
2 Employee Salary 6
Financial Admin
(1)
Rp3.000.000
Sales Marketing (2) Rp6.000.000
Content Writer (1) Rp3.000.000
Digital Marketing
(1)
Rp3.000.000
3 Promoter
Training Cost
6 wsl1, wslp Rp36.000.000
4 Promotion Media Fb ads/week Rp2.400.000
Endorse Rp5.000.000
Brosur/6 month Rp2.400.000
1 Voucher, Rp. 85.000,-
Instagram ads/
week
Rp2.400.000
Beginning Capital
Rp. 600.000.000,-
Proposal Rp1.500.000
Get 7.500 voucher website Rp2.000.000
Beginning Capital Name Card Rp100.000
Net Income Six months cost Rp266.800.000
COST STRUCTURE
Information Cost
A. Fixed Price Investment
1. Permanent Branch Voucher Capital Rp 600,000,000
2. Premise Rent Rp 60,000,000
3. Office Interior Repair/Design Rp 20,000,000
4. Office Stationery and Inventory Rp 20,000,000
FIXED COST TOTAL Rp 700,000,000

Estimated Profit of STIFIn Business Branch
Capital Employed
Sold To
Promoter Consumer
1 Voucher, Rp. 85000 Rp. 175.000 Rp. 350.000
Beginning Capital Rp. 600.000.000
Get 7500 Voucher Rp. 1.312.500.000 Rp. 2.625.000.000
Beginning Capital Rp. 600.000.000 Rp. 600.000.000
Net Income Rp. 712.500.000 Rp. 2.025.000.000
B. Intangible Asset - Investment
Marketing/Promoter Candidate Training Cost Rp 20,000,000
Marketing Cost Rp 20,000,000
Intangible Asset Total Rp 40,000,000
C. Total Cost of Investment (A+B) Rp 740,000,000
D. Working Capital Rp 10,000,000
E. Total Cost of Project (C+D) Rp 750,000,000
Information Cost
A. Variable Cost per year
1. Electricity, water, wifi Rp 24,000,000
2. Employee Salary (2 persons) Rp 84,000,000
3. Event/promotion Cost Rp 24,000,000
4. Additional Cost (Transportation, parking, fuel, and so forth) Rp 18,000,000
Variable Cost Total Rp 150,000,000

STIFIn Regular Branch
Information Total
Financing Source
Owner Equity
A. Fixed Cost Investment
1. Regular branch Voucher Capital (1 year) Rp 200,000,000 Rp 200,000,000
2. Premise Rent Rp 24,000,000 Rp 24,000,000
3. Office Interior Repair/Design Rp 2,000,000 Rp 2,000,000
4. Office Stationery and Inventory Rp 4,000,000 Rp 4,000,000
FIXED COST TOTAL Rp 230,000,000 Rp 230,000,000
B. Intangible Asset - Investment
Promoter Candidate Training Cost (10 persons) Rp 55,000,000 Rp 55,000,000
Online Marketing Cost Rp 6,000,000 Rp 6,000,000
Offline Marketing Cost Rp 9,000,000 Rp 9,000,000
Intangible Asset Total Rp 70,000,000 Rp 70,000,000
C. Total Cost of Investment (A+B) Rp 300,000,000 Rp 300,000,000
D. Working Capital Rp -
E. Total Cost of Project (C+D) Rp 300,000,000 Rp 300,000,000
31
Information Total
Financing Source
Owner Equity
A. Variable Cost
1. Electricity, water, wifii Rp 24,000,000 Rp 24,000,000
2. Employee Salary (2 persons) Rp 36,000,000 Rp 36,000,000
3. Event/promotion Cost Rp 18,000,000 Rp 18,000,000
4. Additional Cost (Transportation, parking,
fuel, and so forth)
Rp 12,000,000 Rp 12,000,000
Variable Cost Total Rp 90,000,000 Rp 90,000,000

32
Capital Employed
Sold To
Promoter Consumer
1 Voucher, Rp. 85.000 Rp. 175.000 Rp. 350.000
Beginning Capital Rp. 200.000.000
Get 2.353 Voucher Rp. 411.775.000 Rp. 823.550.000
Beginning Capital Rp. 200000000 Rp. 200000000
Net Income Rp. 211.775.000 Rp. 623.550.000
Estimated Profit of STIFIn Business Branch
Investment Valuation
1. Variable Unit Cost (VUC) = ( Total VC /
Voucher Ammount)
Rp 38,249.04
6 month
2. Total FC / (Selling Price - VUC) 2194 365.6281563
shared to 10 promoter/marketing 219 37
3. BEP Rupiah = (Total FC / 1-(total
VC/turnover)
0.73 0.27
Rp 331,556,698.73
4. ROI (Return Of Investment) 131775000 (Sales total -
investment)
(Sales total - investment)/Investment * 100% 0.43925 43.925
ROI per year 47%

Our CLients
Kementerian Dalam Negeri
Republik Indonesia

Exclusive Branch Sales Agent Branch Old Branch
STIFIn Branch List
Exclusive Repre
sentative Branch
n Malaysia
n Thailand Selatan
Sales Agent
n Malaysia
Branch
n Jakarta Timur
n Kota Bogor
n Kota Batam
n Kota Bandung
n Kota Medan
n Jakarta Selatan
n Kota Makassar
n Kab. Bekasi
n Jakarta Pusat
n Kota Depok
n Singapore I
Old Branch
n Kota Serang
n Kota Malang
n Kab. Bangkalan Madura
n Kota Padang
n Kab. Malang
n Jakarta Utara
n Jakarta Barat
n Kota Binjai
n Kota Tangerang Selatan
n Kota Jambi
n Kota Bengkulu
12 Branch, 12 Old Branch (Regular),
2 Exclusive Representative Branch, 1 Sales Agent

Office STIFIn Bisnis
Plaza Pondok Gede Ruko Blok B No 16
Jln. Raya Pondok Gede, Kota Bekasi
Call Center 0818 0817 2222

Proposal STIFIn Business

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