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Traditional Stores to Drive Financial Inclusion in Indonesia

One of the leading e-commerce conglomerates in Indonesia is taking significant strides in promoting financial inclusion across the nation, particularly in remote areas. Recognising the vital role played by traditional stores in local communities, the company has strategically empowered them to serve as agents of financial inclusion.

With an astronomical 16.8 million traditional stores scattered across Indonesia, this online shopping platform envisions a future where digital and financial access is fair for all Indonesians, regardless of their geographical location.

By harnessing the transformative power of technology and leveraging its extensive network, the company aims to bridge the digital divide and ensure that even regions outside Java, such as the city of Makassar, can benefit from inclusive financial services. Acknowledging the unique challenges faced by communities outside of Java, the company is committed to breaking geographical barriers and extending its digital ecosystem to promote economic growth and empower individuals and businesses alike.

The primary goal of this initiative is to democratise financial services, allowing individuals and micro-entrepreneurs operating traditional stores to participate in the digital economy. By providing these local partners with access to cutting-edge technology, digital payment systems, and financial tools, the company aims to enable them to offer a wider range of services and reach a broader customer base. Through this mutually beneficial relationship, traditional stores can enhance their competitiveness, increase their revenue streams, and ultimately thrive in an increasingly digital era.

A platform for traditional partner stores is expanding its range to include over 42 billion virtual product options. This initiative aims to empower traditional stores to sell a wide range of products, similar to modern retail outlets, with a particular emphasis on providing financial inclusion services.

Through various features integrated into the application, such as educational resources, financial bookkeeping tools, and digital promotional designs, this initiative encourages and supports the growth of Micro, Small, and Medium Enterprises (UMKM).

By offering an extensive array of virtual products, the platform empowers traditional stores to diversify their offerings and cater to evolving consumer demands. These offerings range from everyday essentials to niche and specialised products, providing an opportunity for traditional stores to expand their customer base and generate additional revenue streams. This forward-thinking approach not only enhances the competitiveness of UMKM but also contributes to the overall growth of the local economy.

Additionally, to expand product options, the platform recognises the importance of equipping traditional stores with the necessary knowledge and tools to thrive in the digital era. The platform integrates educational resources that provide valuable insights into business operations, including financial management, marketing strategies, and digital promotion techniques. By empowering UMKM with these resources, the platform promotes continuous learning and skill development, enabling traditional stores to adapt and succeed in the increasingly digital marketplace.

Furthermore, the platform acknowledges the pivotal role of effective financial management in the success of UMKM. Through the inclusion of financial bookkeeping tools, the platform simplifies and streamlines the process of managing business finances for traditional stores. These tools provide features such as expense tracking, sales analysis, and profit calculation, allowing UMKM to gain better control over their financial operations and make informed business decisions.

By facilitating efficient financial management, the platform contributes to the long-term sustainability and growth of traditional stores. The platform can also support UMKM in expanding its market reach and increasing its sales potential.


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