We

Empower
SEPTEMBER 2 0 2 1
COMPANY
 Name
PT TokoPandai Nusantara

Business Launch
January 2019

Basic Headquarter

Information Jakarta, Indonesia

Founder
Reza Valdo CEO, Budi Taruno COO

Shareholder
Founder, Mitsui & Co.
Vision &
Mission

Vision
Empower General Trade to secure the grass-
root economy in Indonesia.

Mission
Develop a sound ecosystem to enhance the
capability and the competitiveness of small
and medium-sized (SME) stores by
seamlessly connecting them to their key
stakeholders through the digital platform.
 Milestone
Pilot
• Pilot project on Saldo Pandai
(cashless payment) with
Unilever and Bank Mandiri in
Yogyakarta under Valdo Inc.
• PT TokoPandai Nusantara
was established as a spin-off
of the project.
2017
License Launch Expansion
• Registered to Bank • Officially started the • Started the operation in Bali
Indonesia for B2B E-Money nationwide expansion on and Kalimantan.
license. Saldo Pandai. • Expanding to other
• First start-up to pass • Launched a new financial segments beside FMCG as
Regulatory SandBox in the service called Limit Pandai well such as cosmetics,
country. (pay later). fashion, and cafe.
• Selected by Bank Indonesia • Achieved the operation in • Launched Grosir Pandai (e-
to represent Indonesia in the majority of cities in Java ordering) through the
IMF-World Bank Annual and 10,000+ stores in a year. partnership with Borwita, one

Meetings. of the prominent distributors
in Indonesia.
2018 2019 2020
Coverage Existing

JAWA TIMUR
1 Kab Sidoarjo
2 Kota Surabaya
3 Kab Pasuruhan
4 Kota Malang
5 Kab Mojokerto
6 Kota Pasuruhan
7 Kab Tuban
8 Kab Lamongan
9 Kab Madiun
10 Kota Madiun
11 Kab Gresik
12 Kab Blitar
13 Kab Kediri
14 Kab Pasuruan
15 Kota Batu
16 Kab Bojonegoro
17 Kab Probolinggo
Expected in 2021
JAWA TIMUR
1 Kab. Tulungagung
SERVICE
Digital
Cash Pick Up
E l i m i n a t i n g Yo u r S t o r e
Cash Handling
 Cash Pick Up
Cash pick up helping client in handling cash
collection which has a lot of risk if not considered
properly.

Convert the cash to our Saldo Pandai to minimize

the risk.

After convert the cash to Saldo Pandai, the risk will

be 100% by TokoPandai.

TokoPandai ready to serve more than

100 stores around Indonesia
 Saldo Pandai
A series of unique ID for financial
transactions virtually attached to
Stores ID, integrated to the real
Store’s savings account number in
the bank

SECURED:
Licensed and Monitor By Bank Indonesia
FAST :
Real Time Transaction
UNLIMITED:
Unlimited Top Up Amount for b2b
Store Monitoring
We do store monitoring to helping clients keep
the quality on the store based on client SOP.

Client gets actual information in the store from

our agent.

The information is neutral and transparent.

Store Monitoring

This is the example of

Store Monitoring that
TokoPandai do.

Client can request any

information that client
needs.
Cash Pick Up Flow
Saldo Pandai Agent Saldo Pandai Store Saldo Pandai HQ
TOP UP

AGENT PANDAI
Agent Pandai pick up cash from the store.
Cash will be converted to Saldo Pandai
Store.
Agent Pandai will do store monitoring
based on Head Quarter needs. The
activities are check list the option based on
actual situation and take pictures on Agent
Pandai apps.
HEADQUARTER
STORE
PIC store will check & confirm the
Saldo after agent finished the top up.
Saldo Pandai on Saldo Pandai Store will
be transferred real time to Saldo
Pandai Head Quarter.

HEADQUARTER
BANK ACCOUNT WEB PANDAI
Disbursement to Head Quarter’s Real time monitoring transaction and
Bank Account manually or store monitoring by Web Pandai in
automatically head quarter
Order Pandai
E–Ordering and Next Day Motor Delivery

Note: The image on this page is for process illustration purposes

E-Ordering Process Flow

Store Select Payment Head Quarter receiving Delivery Store

Ordering Method order and packing order receive order
by Apps Saldo/Limit

Greenfields UHT Full Cream 1 Liter

Greenfields UHT Full Cream 1 Liter

Greenfields UHT Full Cream 1 Liter

Greenfields UHT Full Cream 1 Liter

Greenfields UHT Full Cream 1 Liter

E-Ordering
BENEFIT
Eliminate Risk
• After top up payment the risk will be 100% by
TokoPandai.
• Eliminate the risk of fraud and losing
money in transit.

Real Time
• Real time transfer from Saldo Pandai Store to
Saldo Pandai Head Quarter.
• Store can place an order at anytime and
anywhere and knowing the stock availability real
time.

Effective
• Eliminate all cash handling activities from
preparation up to deposit to the bank.
• E-ordering make the ordering more effective
by placing the order directly using the Apps
and every data recorded by system.

Accurate Information
• Head Quarter can tracking transaction and
monitoring payment from all store accurately on
the web portal system.
• Client will get information about the store based
on actual situation.
Brand Handled & Partner
THANK
YOU