ARTHA FINATRA

Business Model Canvas — Ecosystem Growth Engine

Key Partnerships

Entitas Internal Astra

Astra Otoparts — Supplier sparepart closed-loop

ASURANSI ASTRA — Produk asuransi nasabah & aset

Astra Logistics — Jasa distribusi untuk UMKM

Astra Motor Dealer Network — Channel akuisisi & closed-loop

FIFGROUP (FIFASTRA, SPEKTRA) — Sumber data nasabah

PropTech Partners

Rumah123, Lamodi, Milk6 — Data valuasi properti AVM

Payment & E-Wallet

GoPay, OVO, DANA, QRIS — Infrastruktur pembayaran

Asosiasi UMKM

KADIN, HIPMI, APINDO — Akses database anggota UMKM

Pemerintah

Kemenkop UKM, BPJS, Pemda — Program pembinaan & data

Key Activities

Data & Analytics

Data Mining & Prospecting (Zero-CAC)

AVM Model Training & Optimization

Risk Monitoring & NPL Prevention

Operations

Closed-Loop Ecosystem Management

Partnership Expansion

Ecosystem Integration

Compliance

Regulatory Reporting ke OJK

Audit Internal & Eksternal

Fraud Detection & Prevention

Value Propositions

Untuk UMKM

Persetujuan 24 jam (vs 14 hari bank)

Modal kerja cepat tanpa birokrasi

Akses rantai pasok Grup Astra

Agunan fleksibel (Omni-Collateral)

Proses digital end-to-end, transparan

Untuk FIFGROUP

Zero-CAC acquisition (hemat 80%)

NPL <2% via closed-loop

Multiplier effect revenue

Efisiensi operasional 60%

Untuk Grup Astra

Cross-selling revenue

Ecosystem lock-in

Data enrichment

CSR & SDGs — inklusi keuangan

Customer Relationships

Self-Service Digital (80%)

Onboarding 100% digital (e-KYC, e-Sign)

Real-time tracking status pengajuan

Chatbot AI 24/7

Dashboard monitoring pembiayaan

Dedicated Support (15%)

Relationship Manager (pembiayaan >Rp 500jt)

Business advisory gratis

Priority handling perpanjangan

Community Building (5%)

FINATRA UMKM Hub

Mentorship Program

Astra Ecosystem Access

Channels

Digital (70%)

FINATRA Mobile App

Web Platform Dashboard

API Integration (Tokopedia, Shopee, e-wallet)

Social Media & Content Marketing

Physical (30%)

Jaringan Dealer Astra (5,000+ titik)

FINATRA UMKM Hub (50 cabang)

Roadshow & Workshop (50 kota)

Champion Network (agen mikro)

Customer Segments

Primary (60%)

UMKM sektor otomotif (bengkel, sparepart, dealer)

UMKM sektor ritel & distribusi

Vendor & supplier ekosistem Astra (Tier-2/3)

Jaringan dealer Astra (owner dealer motor)

Secondary (40%)

UMKM perempuan (60% UMKM dipimpin perempuan)

UMKM daerah penyangga/3T

Segmen "missing middle" (omzet Rp 500jt-5M/th)

Key Resources

Physical

Infrastruktur server & cloud (AWS/GCP)

Kantor pusat & 50 cabang FIFGROUP

Jaringan dealer Astra (5,000+ titik)

Intellectual

Database Internal: Jutaan data nasabah

AVM AI Engine (ML valuasi properti)

Algoritma Zero-CAC & Omni-Collateral

Brand Trust FIFGROUP (35+ tahun)

Human & Financial

Tim Data Scientist & AI (10-15 orang)

Risk Analyst & Underwriter (20-30)

Sales & RM (100+ orang)

Modal: Rp 500M - Rp 1T (tahun pertama)

Cost Structure

~Rp 500 M/th

Technology 30% — Rp 150M

AVM AI dev & maintenance — Rp 50M

Platform dev (web, mobile, API) — Rp 40M

Cloud & cybersecurity — Rp 30M

Data partnership & API — Rp 30M

Operational 25% — Rp 125M

Human capital — Rp 80M

Office & branch — Rp 25M

Customer support — Rp 20M

Marketing 15% — Rp 75M

Digital marketing — Rp 25M

Roadshow & event — Rp 20M

Champion network — Rp 15M

Brand building & PR — Rp 15M

Risk & Compliance 15% — Rp 75M

Risk provisioning (NPL reserve) — Rp 50M

Regulatory compliance — Rp 15M

Fraud detection — Rp 10M

Contingency 15% — Rp 75M

Buffer unexpected costs — Rp 30M

Future expansion — Rp 25M

R&D inovasi baru — Rp 20M

Revenue Streams

Primary (70%)

Interest Income — Margin 12-18% p.a.

Origination Fee — 1-2% per transaksi

Late Payment Penalty — sangat kecil

Secondary (20%)

Cross-selling Commission — High

Technology Licensing (AVM SaaS) — Medium

Data Monetization (anonim) — Medium

Tertiary (10%)

Ecosystem Multiplier — Very High (indirect)

Training & Certification (FINATRA Academy)

FINATRA UMKM Hub membership