AmarthaFin

• 1. Lack of a Growth Engine to Scale and Expand User Base: During COVID-19 pandemic, we realize that we solely depend on our P2P loan service on Amartha app, thus when there's lack of demand for loan during the pandemic, we struggle to keep the business running.

  2. Loan Disbursement Processed on Banks: User that got their loan approved on Amartha P2P service, got disbursed on their personal bank account and spend it outside Amartha Ecosystem.

  3. Minimal Usage of Disbursement Loan on Amartha: At that time, we only had a mini e-commerce feature in Amartha, which allowed our user to shop for wholesale goods or farming equipment. This provided very limited opportunities for them to utilize the disbursed funds within the Amartha ecosystem.

• 1. Diversify Revenue Streams: Establish a growth engine that reduces reliance on the P2P loan service by introducing new business opportunities and services AmarthaFin, ensuring business sustainability even during periods of low loan demand, such as the COVID-19 pandemic.

  2. Strengthen Ecosystem Retention: Enable users to retain and use their disbursed loans within the Amartha ecosystem by providing additional services, such as selling vouchers, PPOB services, internet packages, and other micro-entrepreneurship tools, fostering financial empowerment and engagement via AmarthaFin.

  3. Ensure Business Resilience: Build a platform that supports long-term growth and stability by addressing gaps in the existing ecosystem and providing users with meaningful and scalable ways to grow their finances and businesses.

• 1. User Retention Rate: Percentage of users actively using AmarthaFin over a period of time.

  2. Wallet Utilization Rate: Percentage of loan disbursements retained and used within the AmarthaFin wallet.

  3. Revenue Growth from New Services: Revenue generated from additional services like PPOB, voucher sales, and internet packages.

  4. Transaction Volume within Ecosystem: Total number and value of transactions processed through AmarthaFin services, including e-commerce and micro-entrepreneurship activities.

  5. Active User Rate: Percentage of registered users actively using AmarthaFin services monthly or daily.

  6. Customer Lifetime Value (CLV): Average revenue generated by a user throughout their relationship with AmarthaFin.

  7. Loan Utilization Rate: Percentage of disbursed loan funds used for Amartha-specific activities (e.g., shopping in mini e-commerce, purchasing services).

  8. Growth in Registered Users: Number of new users registering on AmarthaFin over a given period.

  9. Cross-Sell and Up-Sell Rate: Percentage of users engaging with multiple services (e.g., combining wallet usage with PPOB services or e-commerce purchases).

  10. Net Promoter Score (NPS): User satisfaction and likelihood to recommend AmarthaFin to others.

  11. Churn Rate: Percentage of users who stop using the app within a given time period.

  12. Conversion Rate: Percentage of users who use Amartha, decide to user AmarthaFin.

  13. Operational Efficiency: Reduction in operational costs or time required to disburse loans and process user transactions compared to previous systems.

Public

Some snips of what has been accomplished

Check-it-out! available on mobile platform