What is the name of your organization?
PT Solusi Anak Sakti
What is the name of your solution?
Djoin
Provide a one-line summary or tagline for your solution.
Digital platform empowering credit unions to serve grassroots communities with more accessible, accurate, and transparent financial services.
In what city, town, or region is your solution team headquartered?
Denpasar, Denpasar City, Bali, Indonesia
In what country is your solution team headquartered?
Indonesia
What type of organization is your solution team?
For-profit, including B-Corp or similar models
Film your elevator pitch.
What specific problem are you solving?
99.74 million Indonesians remain unbanked (Bank Indonesia, 2023), lacking access to even the most basic financial services. Indonesia’s middle class has also shrunk by 20% over the past six years (Financial Times, 2025), partly due to inadequate financial service coverage. For many, especially in rural areas, the closest and most trusted institutions are Credit Unions, a member owned financial cooperatives deeply rooted in community life. But while these cooperatives are widespread, they face several key challenger:
- Outdated manual processes reduce speed, transparency, and accuracy, and increase fraud risks, leading to reported losses of over IDR 500 trillion in 2023 (CNBC).
- Limited financial and digital literacy, especially in remote areas, hinders effective service delivery.
- A lack of data and skills for credit underwriting contributes to high credit losses and non-performing loans.
As a result, many turn to informal lenders offering quick but exploitative credit, perpetuating cycles of debt and financial instability. Addressing these issues is critical to unlocking the full potential of credit unions as catalysts for improving financial inclusion and stability.
What is your solution?
Our solution consists of an end-to-end product suite that addresses every aspect of the credit union’s business processes:
Core Banking System: Empowers credit union staff to manage transactions, including loans, savings, member accounts, and general accounting, on the cloud. This improves operational speed, accuracy, and efficiency.
Mobile Banking App: Enables grassroots communities with internet access and smartphones to access financial services anytime, 24/7.
e-Collector App: Supports communities with limited digital literacy by allowing them to interact with credit unions through dedicated field collectors equipped with the e-Collector app. This bridges offline and online transactions while significantly reducing the risk of field-level fraud.
KOCEK: Enhances the credit union’s credit underwriting capabilities by leveraging data and analysis, leading to more informed lending decisions and reduced credit risk.
These four solutions are fully integrated to create a healthy, transparent financial ecosystem. The system enables all parties to perform real-time checks and balances, enhancing transparency, speed, accuracy, and significantly reducing fraud.
Who does your solution serve, and in what ways will the solution impact their lives?
Our solution consists of an end-to-end product suite that addresses every aspect of the credit union’s business processes:
- Core Banking System: Empowers credit union staff to manage transactions, including loans, savings, member accounts, and general accounting, on the cloud. This improves operational speed, accuracy, and efficiency.
- Mobile Banking App: Enables grassroots communities with internet access and smartphones to access financial services anytime, 24/7.
- e-Collector App: Supports communities with limited digital literacy by allowing them to interact with credit unions through dedicated field collectors equipped with the e-Collector app. This bridges offline and online transactions while significantly reducing the risk of field level fraud.
- KOCEK: Enhances the credit union’s credit underwriting capabilities by leveraging data and analysis, leading to more informed lending decisions and reduced credit risk.
These four solutions are fully integrated to create a healthy, transparent financial ecosystem. The system enables all parties to perform real-time checks and balances, enhancing transparency, speed, accuracy, and significantly reducing fraud.
