Gak Pakai Cash! UMKM Ini Raup Omzet 10x Lipat Digitalisasi

Summary

The video highlights the rapid growth of digital transformation in Indonesia's financial sector, especially within the context of small and medium-sized enterprises (SMEs). It showcases Suradi, the owner of Dunia Kopi, whose business has flourished thanks to digital payment systems, such as IDC and Kris. His experience underscores the importance of digital technology in enhancing transaction efficiency, boosting customer trust, and increasing revenue. Furthermore, BRI's role in supporting digital banking adoption through services like BRImo and its impact on SMEs is also emphasized, reflecting a significant increase in digital transactions and economic growth throughout 2024.

Takeaways

• 😀 Digital transformation is rapidly growing in the financial sector, with Indonesia's Bank reporting a 175.2% year-on-year increase in digital users in 2024.
• 😀 The growth in digital payments is supported by the increasing number of users and merchants adopting digital systems.
• 😀 Suradi, an SME owner in the coffee business, has experienced substantial growth thanks to digital payment systems at Pasar Santa.
• 😀 Digital transactions have become the backbone of Suradi's business, with ten times more transactions processed digitally compared to cash payments.
• 😀 Suradi's business started in 2000, and he has continuously innovated, adopting digital payment technologies even before the pandemic.
• 😀 Suradi has been actively involved in various events by Bank Indonesia and is a speaker at many of their digital payment initiatives.
• 😀 Through the Kredit Usaha Rakyat (KUR) program from BRI, Suradi's business has received substantial funding, growing from IDR 50 million to IDR 500 million in total loans.
• 😀 Suradi believes in the power of technology to simplify transactions, increase customer trust, and drive business growth.
• 😀 Digital payments help build customer confidence by making transactions easier and more secure, leading to increased sales.
• 😀 BRI has been an active player in promoting banking digitalization, with their BRMO app processing transactions worth IDR 5.596 trillion by the end of 2024, reflecting the growing trend of digital banking adoption among both customers and SMEs.

Q & A

How has digital transformation impacted the financial sector in Indonesia?

Digital transformation in Indonesia's financial sector has been rapidly growing, with a significant increase in digital users. Bank Indonesia recorded a 175.2% year-on-year growth in digital users in 2024, which was driven by an increase in both users and merchants adopting digital payment systems.

How has Suradi's coffee business benefited from digital payment systems?

Suradi's coffee business has seen substantial growth due to the adoption of digital payment systems. His transactions increased tenfold compared to cash payments, with digital transactions making up 90% of his business, significantly improving efficiency and customer satisfaction.

What role did Suradi's long-term use of technology play in his business success?

Suradi’s early adoption of digital payment systems, such as IDC and Kris, even before the pandemic, was key to his success. His proactive approach to using technology for payments helped his business stay competitive and grow, even in traditional markets.

What is the significance of digital payments for Suradi's business model?

Digital payments are essential to Suradi's business as they enable smoother transactions, increase customer trust, and expand his customer base. The ease of digital transactions has helped increase sales by providing convenience for customers who no longer need to rely on cash.

How did Suradi’s business get financial support for expansion?

Suradi received funding through the Credit for People's Business (KUR) program from BRI, starting with a loan of several million rupiah and eventually increasing to 500 million rupiah, which helped support his business's growth and technological advancements.

What does Suradi believe about the role of technology in business?

Suradi believes that technology is a key factor in simplifying work processes and enhancing business operations. He emphasizes that digital tools, like payment systems, make businesses more efficient and can lead to higher profits.

Why is it important for businesses to accept digital payments according to Suradi?

For businesses, accepting digital payments builds customer trust and convenience, which is essential for retaining customers and driving sales. If payment methods are limited or inconvenient, customers may choose to shop elsewhere.

How has BRI contributed to the digitalization of small businesses?

BRI has been actively promoting digitalization in banking, providing services like digital transactions through apps such as BRMO. These services help both individuals and small businesses streamline their financial transactions and boost economic growth.

What impact did the adoption of the Kris system have on Suradi's business?

Suradi’s adoption of the Kris system enabled him to accept digital payments, which made his transactions more efficient and broadened his customer base. This technology, which was promoted through Bank Indonesia's initiatives, played a crucial role in transforming his business operations.

What does the growth in digital transaction volume indicate about the Indonesian economy?

The substantial growth in digital transaction volume, which reached 5.596 trillion rupiah by the end of 2024, indicates a positive trend in the Indonesian economy. It highlights the increasing reliance on digital payments and the growing role of technology in driving economic activities, especially for small businesses and entrepreneurs.