Initiate and Building A Strategy to Enter A Micro Loan Business for Top 5 Bank in Indonesia

Skha has recommended a client, a Top Bank in Indonesia, to enter micro loan business directly, not only through BPR/Bank Perkreditan Rakyat (Rural Banks) as the client plan at first. This recommendation came from analysis that direct micro loan can give profit margin twice of profit margin from micro loan through BPR and also can be controlled easier.

Skha’s recommendation:

  • a. Micro outlet opening criteria that mind BPR partners’ location to prevent future conflict between channels
  • b. Organization structure recommendation in group level (below directorate level)
  • c. High level KPI for branches and micro outlets for both business models


Launched micro, 190 outlets, profitable in year 2, high ROA & MOSOE approved