volunteer - lets make student loan happen

MakeStudent Loan Happen

Volunter to

THERE'S NO EXCUSENOT TO DO WHAT

MAKES YOU HAPPY.

CONTRIBUTE THROUGHACTION!

Hi,We're from danadidik

Dipo Ramli Januar Sudharsono

Because we had issues with

Education Funding

Every semester, I am worried

whether or not I can continue

school.

My (late) mother didn't

pay her tuition for

years

My wife couldn't get a

loan when she was in

college. Although she

was Doctor specialist

candidate

so we built...

Student Loan through crowdlending

Crowdlending is a marketplace for (i) students who want to borrowand (ii) lender that wants to lend

Given outloans

We operated...

Received loanrepayments&

Sotware development started in

Jun 2015, launched Nov 2015 for

borrowers, and Mar 2016 for

lenders

with excitement

We built ourbeloved DANAdidik

(maybe too much)

cause apparantely wewere wrong

REALLYWRONG

and also

FUNDERWEREN'T INTERESTED

Even though, there was lots of applicants(students) c. 2,500 in c. 4 months

Financially, since students do not have anyincome, students have such big risk. High risk

= high interest

DANAdidik product at the time....

BORROWINGRATE %TOO EXPENSIVE

our good intention became...

we had the wrong mindset - the key is at...

Source of FundSource of Capital Cost of Fund

DANAdidik's source of fund does notcome from banking or deposits or anyother common source.

We should have not followed the oldway of doing things.

DANAdidik lending rate is not related tothe country's interest rate, economy,market price, personal risk, etc.

Actually, we can even be much better than banking

LendingRate %cheap

RiskManagementmodern

note: danadidik will not use debtcollector

BETTERMUCH MUCH

0.5%Return to sponsor

0.5%Service fee to

& for every IDR 1mn, sponsor will payarranging fee of IDR 50k (5%) to PTPasar Dana Teknologi

APR = 12.0%

Not including saving (simpanan pokok &simpanan wajib) when lender and borrowerbecomes member of Financial Cooperative

Financial Cooperative takes revenue fromprovision 2.5%. Financial Cooperative is

owned by members

PT Pasar Dana Teknologi(funder)

1%RATE DECIDED BY "THE PEOPLE"

- FUND OWNER

Lender rate

As part of due dilligence, students must payregistration fee of IDR 55k

Service fee is fixed at 0.5% - not percentagefrom lending rate

Lender can continously re-

invest its fund to help more

and more people

Borrower will learn

responsibility

with affordable borrowing rate...

WE KNOW OURWAY THERE

WE CAN'T DOIT ALONE

but

VERSION 1.0 VERSION 2.0

Do-It-Yourself Open Source

TraditionalSource of Fund

ConventionalInterest rate %

< 5 peopleTeam

People who careSource of Fund

Decided by"The People"

Interest rate %

+ Volunteer's skillTeam

Democratization of Financial Institution

PT Pasar DanaTeknologi

Financial Cooperative tosettle transactions.

Borrowers and Lenders willbecome member of

cooperative

Volunteers to make ithappen

OPENSOURCEall side

Not only technology and IT

INTERESTED?

SKILLCONTRIBUTION

We are looking for

Legal

Market Research

Marketing

Design

IT & Technology

Contribute through ActionContribute by helping us complete tasks

Legal(to do list)

Loan aggrementLegal opinion regarding e-signatorLender contract when joining Financial Cooperative

Market research(to do list)

Market data target borrowerMarket data total donation in IndonesiaData tuition cost Indonesia, etc

Marketing(forum based)

Increase volunter, students and lendersFree flow - social media, print ads, etc

Design(Guideline mock up & userstories diberikan)

FrontendLogoVideo, etc

IT & Technology Open source github or Copyleft (tbc)

weneed..

using latest technology to communicate

Auto reply from email

No notifications from other groups

Contribute through action. Do it and get done :)

Live survey - so we can monitor live feedback all the time

http://bit.do/jadikanpinjamanpendidikan

All communication and update will be provided in facebook

Jadikan Pinjaman Pendidikan

“making student loan a

reality is the same as

opening doors for others

to a better life"

Sandra Devi,

VP of Student Management

DANAdidik

Thanks for reading

Student Loan can only happen if all of us want to be involved

Contact & Suggestion

relawan@danadidik.com

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