EXECUTIVE SUMMARY

AN ALTERNATIF INVESTMENT IN DIGITAL

TRANSFORMATION ERA

CHRIS AGUSTONO
WHAT IS FINTECH?
Ø Fintech is an abbreviation of Financial Technology. In simple terms, Fintech can be
defined as the use of information technology developments to improve services in the
financial industry
Ø Fintech is growing fast because with digital technology, all financial services are
unlimited, both in time and place
Ø There are several types of fintech, i.e : microfinancing, peer to peer landing (P2PL),
digital payment systems, securities crowd funding (SCF), etc
WHAT IS SCF?
Ø Securities Crowd Funding (SCF) is a fundraising method by investors for the
Publisher's business capital needs
Ø Securities Crowdfunding is a legal investment activity that has been recognized by
the government, so this activity is supervised by the Financial Services Authority
(OJK). The Indonesian Crowdfunding Service Association (ALUDI) acts as an extension
of the OJK to build the fintech industry ecosystem that has existed in recent years.
ØThere are 2 models of investment in SCF, Equity and Obligation (Bonds)
Ø SCF is a Micro, Small, Medium and Enterprise (MSMEs) version of securities
GOVERNMENT SUPPORT
President Joko Widodo mentioned three big economic strategies for Indonesia, namely:
Ø Industry downstream
Ø Digitization of micro, small and medium enterprises (MSMEs)
Ø Green economy
According to the President, currently as many as 15.5 million MSMEs have entered digital
platforms and market places. This transformation will continue to be encouraged so that more
MSMEs enter the digital platform. "We have approximately 60 million MSMEs, all of which we
will encourage to enter digital platforms, both regionally and nationally so that they can also
enter global platforms," said the President.

Source : https://newssetup.kontan.co.id/news/ini-3-strategi-ekonomi-indonesia-yang-disampaikan-
jokowi-di-depan-100-ekonom.
 SCF PROSPECT
Ø Securities Crowd Funding (SCF) is expected to be a solution for Indonesia's economic recovery. The
Financial Services Authority (OJK) has also provided a stand and support by updating OJK regulations
regarding SCF (POJK-057 2020)

Ø In this era of digitalization, business transformation from conventional methods to digital is a must or
the business will be disruption soon

Ø As long as a business requires financing services, it can gain a lot of benefits through securities
crowdfunding.
ABOUT FULUSME
Ø Fulusme currently has "accredited" status and the 11th ALUDI member that has SCF licensed from the
OJK
Ø Fulusme currently has “SCF licensed” status from the OJK (release July 4th, 2022, number KEP
/D.04/OJK/2022)
Ø Fulusme has met the infrastructure requirements from the IDX (Indonesian Stock Exchange)
Ø Fulusme is ISO 27001 certified, regarding ISMS safety
Ø Fulusme already has a PSE license from the Ministry of Communication and Information for SCF
(Securities Crowd Funding)
Ø Fulusme has collaborated with:
Digisign : digital signature service provider
Pefindo : Rating service provider and KYC
Bank Danamon : Custodian bank
KSEI : Indonesian securities center custodian service provider
BOARD OF COMMISSIONER
Prime Commissioner : Donald Akbar

Commissioner : Helmi Yusuf

Commissioner : Dony Yuliardi

Commissioner : Cacan Soemantri Agis

BOARD OF DIRECTOR
CEO : Chris Agustono W

COO : D. Nandana Pawitra

CFO : Ramaida

CTO : Andi Chesyah M

ORGANIZATION CHART
CEO

CTO COO CFO

Mgr Comm
Int Audit
Credit Mgr S&M Mgr F&A

Asesment
Technology CS HRD &
Team
AE & MarCom
legal ACT
FULUSME PORTAL
WHY SHOULD SHIFTING TO DIGITAL?
ØBecause financial technology is a contemporary business that knows no distance and
time, so it makes it easier, faster and faster to do business from anywhere and
anytime
ØSCF is the latest fintech business model supported by OJK to strengthen the SME
ecosystem throughout Indonesia. So that Fulusme's participation in this industry can
increase digital financial inclusion for non-bankable SME practitioners in Indonesia
Øtoday almost the whole businesses adopt digital transformation to win business
battles
STRATEGY TO WIN COMPETITION
BUYING PORTOFOLIO

PARTNERSHIP

STOCK ACQUIRE

INVESTMENT SUBSIDIARY

Source : HBR
Acquisition of 'players' online, has become the most desirable choice to achieve exponential
business growth. This figure show how acquire platform become the shortcut path to win
the business battle
WHY FULUSME?
Ø Fulusme has collaborated with several associations and will continue to receive requests for
cooperation from other institutions, one of which is still being studied, namely from KOPOJEKA
(OJK Employee Cooperative), Dompet dhuafa etc.
Ø Fulusme supporting with experience team in both IT and finance
Ø Pak Nanda (COO’s Fulusme) now became a chairman in SCF Association (ALUDI), so this is
the important point because we close with all SCF member, OJK, KADIN, KSEI, OJK etc
Ø Fulusme has agile strategy to collaboration with other platform
Ø Fulusme as a SCF has huge business network and possible to expand and collaboration
Ø Government supports and encourages the SCF industry as a step to accelerate economic
recovery in Indonesia, especially MSMEs
PLAN AND TARGET
2023

Total target 2023

Est Rp 150Bi 1. Supporting capital for enterprise
level businesses with a value of
Enterprise between 500 million – 10bi à 120
Rp 120Bi Bi
2. Supporting SME businesses with a
MSM total capital value à 30bi
Rp 30Bi
Supporting Business Target

- Telecommunication
- Food and Beverages
a m o u nt
Targeturities
- Data Pulse
- Property
- Infrastructure s ec
BUSINESS PROSPECT
Ø Fulusme is currently working with PT Mitra Usaha Digital (Indonesia) and PT Briix Financial
Technology (Australia) for Equity Securities construction of 48 villas in Cangu Bali and Mandalika
NTB for 1 year. Furthermore, 30 more villas will be added in the second phase. The source of
funding comes from the community. The business potential for this project is estimated at more than
IDR 300 billion and GP for this project is around Rp 3 billion

Ø Fulusme is currently also working with the Indonesian Internet Foundation (YII) as the initiator for
the construction of fiber optic networks in 1,000 villages throughout Indonesia. This partnership for
2 years and the project is fiber optic development in the next 12,000 villages, involving 600 ISPs
(Internet Service Providers) under the APJII Association (Association of Indonesian Internet Service
Entrepreneurs). Sources of funding come from local residents and crowdfunding. The business
potential for this project is Rp. 6 trillion and GP for this project is around Rp 120 billion

ØFulusme has many publisher candidate with any kind industry i.e food and beverages, mining,
infrastructure etc
BUSINESS PROJECTIONS
Ø Fee Platform
In every project, Fulusme as a platform always apply fee 6 – 10% from disburstment
amount. If we have projection Rp 150 Bio per year and fee 6%, our potential income is around
Rp 9 Bio a year

Ø Profit sharing Funder (EBU/Obligation/sukuk)

In every project, Fulusme platform ask to Publisher for commit profit sharing minimum in 18%
per annum. If we have projection Rp 150 Bio per year and profit sharing in 18%, totally the
Funder has around Rp 27 Bio per year

Ø When we see the 2 points above, if we have the Platform and act as a Funder also thus we
can calculate our potential income from Rp 150 Billions is around Rp 36 Bio
CAPITAL MARKET POTENTIAL
https://www.ojk.go.id/iru/dataandstatistics/detaildataandstatistics/9236/
capital-market-assessment-may-2022

This figure show the capital market growth up YoY May 2021 and May 2022
Ø There has been a business transformation from conservative to digital
Ø There has been a shift in business value from assets, now the market has
strengthened to business value significantly
Ø Sooner or later there will be 'disruption’ from traditional businesses that are not
quick to adopt digital business transformation
Ø The currently financial technology that has considerable to be potential and will
still growth is digital investment, including SCF (Securities Crowd Funding)
Ø Securities Investment is the best way to have a business instantly, rapid and easily
Ø Before and post-pandemic, where many businesses began to grow after being
affected, MSMEs are a capital market with quite large and promising potential.

SUMMARY
LOCATION
d u s NOTE : FULUSME

F in
THANK YOU