Tag: digital

Indah Mariani: COO & Co-Founder of Infradigital Nusantara

Posted on | by David Soukhasing | Leave a Comment on Indah Mariani: COO & Co-Founder of Infradigital Nusantara

Tell us about yourself.

My name is Indah Maryani and I am the COO and co-founder of Infradigital Nusantara. We built this company in December 2017. I’ve been partners with my co-founder for seven years now and it has been an interesting journey.

I have been in the payment industry for the last 15 years. I was a part of the first wave of digital wallets, and have carried out the installation and implementation of digital wallets in many countries throughout Africa, Europe and America. Seven years back when I met my co-founder, we were both working in a startup called Fusion Payment. As you know, the digital wallet market is very competitive, with big players such as GO-PAY and Tokopedia. We saw that the competition was very stiff, and we realized that in payment systems what you want is recurring transactions. Basically what we did was create a platform called Beruang, which allowed you to buy all the digital goods like pulsa, electricity, and water – goods that you pay recurrently every month – as products on our platform. However, we realized that everyone was playing the same game. Everyone was developing their own versions of digital goods products.

Back then, my co-founder and I were trying to onboard traditional merchants to do online payments through our product. It was very difficult because we were such small players; when we offered Beruang as a platform, they were asking questions about us and who we were, but they were excited about the fact that our product enabled them to digitize their billing and pay through any method they wanted. After that experience, my friends and I decided to quit our jobs at the time to create Infradigital.

 

What exactly does Infradigital do?

Infradigital allows non tech-savvy businesses to digitize their bills. For instance, schools, apartments and SMEs. There are many schools in Indonesia, and a lot of them had not tapped into the possibilities of technology yet. They did everything manually. Let’s say if you wanted to collect payment from the parents, you would hand over a paper to the student, who then passes it on to their parents. Basically, it was a very manual job. We helped these institutions digitize their bills and connected them to all the payment methods available now in the digital ecosystem. So, it’s not only using a bank account. Not only using banks, but wallets and retail markets too (ie. Indomaret). It applies to any kinds of channels that the consumer wants. From there, since the bills are already digitized, the bills could also be leveraged for other things, like student loans for instance.

 

What challenges have you faced so far as a one-year-old startup?

In a startup, time and money are very important. Naturally, you have limited time and limited resources. You have to move fast and prove that your product has a lot of traction, which requires a certain amount of focus. We launched our product in March and the first traction was only around 150 million Rupiah of transactions per month but now we are able to process transactions as large as 2.2 billion Rupiah per month. We are actually seeing a lot of traction, but it’s just that it’s always a busy day. Because you always have to find the right product with the right market fit, you always have to listen to your customers, but you also have to do things like fundraising simultaneously. So, juggling all these things at the same time is challenging.

 

You’ve been running your startup for less than a year and you’ve already grown to over 2 billion Rupiah worth of transactions! How did you gain traction so fast?

It’s funny because we actually sell our product door-to-door. First we visited around 100 schools per month and administered surveys to over 2000 parents. These schools weren’t even in Jakarta – they were in Depok and other pre-rural areas. We asked them whether they were ready to migrate to digital payment. Out of the 2000 parents that we asked, 80% of them were ready to do so. The schools and other partners were keen as well. We saw that there was a lot of interest amongst the parties and we knew that in the near future, offline payments would be obsolete. But capturing the market was not as easy as we thought, because the people we were targeting were traditional people.

So, we came to them selling door-to-door. Back then, the system wasn’t even built yet; we were just marketing a prototype. But still, people showed interest in our product. In the first month, we got 20-40 schools signed up, but none of them had started using the product yet. In our sales funnel, there are two processes involved: acquisition and activation. Because we saw a lot of interest, we provided the platform for free as long as they were willing to migrate to our system. Migrating was taking a lot of time because literally everything was done manually, so in order to create a database of students, our team had to take pictures of them one by one and upload them in an excel sheet. This migration process was pretty complicated, but after we were done we noticed that the parents were starting to migrate to online forms of payment, too. This was because everyone was really eager – especially the schools because their manual processes were a source of corruption. If someone took away some funds they would simply claim that the pages were lost or the payment wasn’t traceable, or the incoming money was being used for activities that the principal wasn’t aware of. This corruption ended up forcing the school to migrate their system digitally.

Nowadays, we are not doing it door-to-door anymore. We actually have monthly acquisitions now, and we have 6-10 schools every month. Some of them are referrals. You will know when you build your product and it delivers value to your customer, it just keeps rolling with more requests and referrals. We also believe that if we build trust in the market, we will actually get a return.

 

How do digitalization and a cashless future affect women?

I imagine that digitalization will open up opportunities for women and will enable women to make some moves. Moms decide everything for the family; they are the ones who make all the purchases, so financial inclusion will actually help women to manage their expenses more easily. Over time, I really believe that women will understand things like savings, returns and interest. I think it will impact women as they will be the first ones to respond to this kind of change, especially if they are the ones in charge of the family.

 

Why exactly did you decide to jump into financial inclusion?

Financial inclusion is actually a big market and it hasn’t been tapped into yet. If you go to the World Bank Indonesia SME Banking Study 2017 and look at their database, you will see that out of many small-and-medium enterprises (SMEs), only 3% of them are using internet banking and 97% of them are still untapped. Meanwhile, everyone is at war on the consumer side because everyone wants to become the next Alipay. When I went to the schools and saw the reality…it’s pretty sad, you know. 60% of parents don’t pay their tuition fees on time; 40% pay late, and 20% don’t pay at all. Imagine how much of a hassle that would be if you ran a school. On top of this, there is a regulation from the government that prevents you from notifying the student directly if their tuition has not been paid, so as not to discourage students from attending all the classes, you know? In Indonesia when you are talking about education, everyone is trying to make things better for the greater public and for the kids, and yet the reality in the market is that the schools themselves are unable to make enough money to pay for their facilities. So how can they even start thinking about their quality of education?

Meanwhile in the digital world, everyone is so fancy already. Everyone is talking about all these next-level innovations, but very few of these actually touch and are applicable in the current market situation. So that’s why we really want to focus on education. We want to help not only the parents, to allow them to have access to funding, charities and loans for educations, but also these institutions to help them grow and focus on building up their quality of education.

 

Are there any specific challenges you face as a female founder in Indonesia?

Sometimes, women’s voices are not heard. I have been in the payment industry for quite some time. Even now, I sometimes feel like when we voice something, your audience doesn’t take you seriously because your tone and your voice is different from that of the average man’s. I just find that a woman’s voice is not really heard, especially in a big forum. Men are perceived as more trustworthy in a forum than women.

 

Do you see that shifting at all? What can we do to change that assumption?

There’s a lot of things that we can do. I don’t like arguing, and I prefer not to be in the spotlight, I’m not sure if other women feel the same or if it’s just me, but I really do think that if women speak up more, it can change something. The thing is, in Indonesia because we have an Eastern culture, we feel as if we should be more reliant on men. That’s one of the factors that have been built into our culture. Over time, this will change because a lot of women now are very outspoken and smart. They tend to not take the spotlight, but this can be changed for sure.

 

On the other hand, are there any instances where you have felt more empowered as a female entrepreneur?

Yes – in my own company. Women are generally better able to multitask, so they can oversee many different problems and different situations. This is something women are very good at and men not so much. So, when you’re making important decisions – or any decision in fact – you have to look over a range of factors. I think in my current position, I need to be sensitive to many things and consider a lot of aspects as well in decision-making. I think most of the decisions are being made based on those considerations, and I think that’s where I am playing a bigger role.

 

Did you feel empowered to become an entrepreneur? Was there a lot of support and did you face a lot of doubt?

I think in whatever situation you are, regardless of your job title, the utilization of your knowledge and your wisdom can be empowering in many ways. I received a lot of support, especially from friends and family because they were not gender biased. I have friends who developed their businesses from the early age of 18; they were already entrepreneurs and they were always ready to help and gave us non-entrepreneurs the courage to start thinking of building a business. It’s actually a contagious act 🙂 When my friends (who are non entrepreneur) were talking about their jobs and how stressed out they were getting from their tasks, I asked them why they didn’t just become entrepreneurs – it’s something very challenging yet enjoyable. It’s full of ups and downs, but the thing is this feeling is something that I really appreciate, and I think most of the entrepreneurs who have been doing this business since an early age understand that and encourage other people to do the same.

 

What is it like to toggle being both an entrepreneur and being a mother – both 24-hour, full-time jobs?

It’s tough. It’s so, so tough. I always feel guilty if I don’t see my son for at least three hours a day, but the thing is that I love both my work and being a mother. Sometimes when I’m stressed and I don’t know what to do at work, I go home and feel so safe because I see my son and suddenly whatever happened in the office doesn’t really matter anymore. It’s a big challenge, but women should not give up their careers to become mothers. Because in order to be a good mom, you need to be a good role model, too. Full time moms are great, don’t get me wrong. But you don’t have to be a full-time mom to be a perfect mom. You can be both: you can be a successful woman as well as a mom at home. It does get really tough because if something at office is stressing you out, you tend to bring it with you to home and vice versa. So, you need to find a balance. I have to give myself some credit sometimes and tell myself I need to do this in order to be a good role model for my son.

 

Speaking of role models, do you have any role models that you personally look up to?

Yes, my mom. She’s a very tough mom. My childhood was not wonderful because my dad left and my mom was a single mother who raised three children. So, she has been my role model forever.

My mom was a victim of abuse from my dad; the abuse got to the point where she was in a coma for three months. After that, my dad disappeared and then no one was taking care of us. When my mom regained consciousness, the doctor told her that she would probably never walk again. She had never worked before, but she thought that if she didn’t get a job then how could she feed her kids and send them to school? She fought a lot and started walking again, which the doctors found miraculous. She juggled three jobs a day just to raise us and feed us and to give us proper shelter and education. That’s a lot to handle.

 

If you were to give a girl advice on becoming an entrepreneur, what would you tell her?

Just jump in, and you’ll find a way. If there’s a will there’s a way. Believe in yourself.

 

[UPCOMING] SE Meet Up: Optimizing Digital for Your Social Business

When you are building a business, digital optimization is one of the strategies that help you grow your business and network. They are critically important for a business because they create a positive or negative impression of your products, goods, services.

In this SE Meet Up we will discuss the key practices, tools, and tips How to perform your website in Google Search and improving search visibility. You will also get know more about the benefit of DBS Business Class Apps, that will help you to grow your business and network.

Speakers
Connect with Asia’s Brightest Business Minds on DBS Business Class

by Melvin Ooi, Vice President, Innovation Lead DBS Indonesia

Improving Search Visibility by Mahmud by

Omar Saladin, Search Advocate, Community Manager & Developer Relation, Google Indonesia

Pandu Sastrowardoyo: Spokesperson & Co-Founder of Blockchain Zoo

Posted on | by angin

Tell us a bit about yourself.

Hi, I’m Pandu Sastrowardoyo and I’m one of the co-founders as well as spokesperson for the Board of Directors of Blockchain Zoo. Blockchain Zoo is a consulting company based on the blockchain. We try to find out what companies want to do with the blockchain and we try to matchmake their business models, the business values they seek, and the kinds of blockchain technologies that fit them. We focus on being really agnostic; we don’t just focus on one technology, but multiple technologies, which is actually very rare in the blockchain consulting industry right now.

We’ve been here for about a year. But the people that founded Blockchain Zoo have been in the blockchain ecosystem for many years. A lot of us actually started nine years ago; blockchain is nine years old, so we have a combined experience in blockchain that is very unique. That’s how we are able to execute in such an agnostic fashion. Our experience is in a lot of our  technologies that for others have just appeared; we’ve been in those technologies since the very beginning.

How did you get to where you are today?

I started as an engineer — no, rewind. I actually started as a programmer when I was six years old. I learned to program when I was six. My dad really loved programming. He taught me to program. When it came time to choose a career, I chose to become an environmental engineer. This is very geeky, but what I did was I created expert systems, which are basically simple artificial intelligence programs back when I was in college. These expert systems are basically being used to create environmental impact assessment reports, which are usually created by humans.

Funnily enough, when I graduated I wasn’t actually accepted to be a programmer. I did try to apply, but somehow the only companies that hired me were marketing companies and consulting companies. I was accepted into Procter and Gamble for marketing rather than being a programmer. In my spare time, though, I did a ton of work just playing with games that I created on my own, while being an assistant brand manager. I went on to work in several other companies, but always at night I programmed, because I liked computers so much.

One day, I decided that I needed to utilize my computing capabilities and my developer capabilities, just to break into something that is closer to what I want and what I have skills for. So I decided to try out for IBM. I got into IBM, and I can say without exaggeration that the best years of my life were actually spent within IBM. I rose through the ranks very quickly. I started as a sales specialist, then I became country leader for product. IBM basically always allocated me for new products, the products they’ve never sold before or never opened to market before. I found my calling, basically. I was in enterprise IT. How to find the proper way for systems to be able to help people in their daily lives, and how corporations can utilize systems to make it easy for them to get value. I was in charge of about six divisions when I was in IBM, and I’ve lead multiple countries for most of them.

At the end of the six years in IBM, I found out that most Enterprise IT companies’ strategy for addressing blockchain was not agnostic when focusing on blockchain itself – something I did not agree with. Most consulting companies focus on one technology, and pushes that technology everywhere. It’s like they have a hammer and everything is a nail. They have exactly one type of hammer that is being pushed to solve everything.

So, I contacted my old friends – a lot of other people on our website basically, and after discussions we basically decided to create Blockchain Zoo. The idea is that blockchain is a jungle, so let’s create a zoo. That’s basically how I helped co-found Blockchain Zoo. The funny thing about my background is, if I had gone the regular route and just became a developer, I probably wouldn’t have the marketing skill sets, the sales skill sets, probably not even the enterprise IT skill sets, so I’m actually quite grateful for the journey that I’ve been through.

What are the challenges you face first in the technology space, and second as a woman entrepreneur?

The challenge as a blockchain entrepreneur in general is that a lot of people just equate blockchain with cryptocurrencies. Everyday I receive messages asking me for trading advice. Which is not something that I do! I mean, I’m a terrible trader. If I tried to trade, I’d lose all of your money. (laughs) Now, that sounds funny, but there’s a less funny part of it. Cryptocurrencies in Indonesia is a gray area for the government. The government doesn’t like it too much, so if I get associated with cryptocurrencies, especially in Indonesia, that dilutes my brand. It actually dilutes my capability as well.

Second — this is what’s funny about blockchain as a technology compared to other technologies — the killer app already exists, and that’s cryptocurrency. But actually the killer app is not the best app. Let’s talk about artificial intelligence for a moment. What’s the killer app for AI? I think it’s personal assistants, and I think in a few years, everyone is going to agree with me that the personal assistant is what the AI killer app will be. Well, blockchain started as bitcoin. It started as an app, so now people cannot forget the killer app. It’s really hard to get out of your mind. Because that’s actually the top of your mind, of what can be done. However, we at Blockchain Zoo focus on something that is not the killer app, but other solutions on the blockchain which actually have a lot of business value. For instance, blockchain for the supply chain, blockchain for trade finance, all of these things which are not cryptocurrencies. All of these things are not threats to the banks; they’re actually tools for the banks. It does sound like an awareness thing, but it becomes very complicated because the media insists on focusing on the sexy part, which is people getting money from almost absolute zero from trading cryptocurrencies.

In terms of being a female in the technology space…you know what, let me tell you several stories. One of the stories actually has to do with a friend of mine who is a very, very good programmer and developer. Yet she’s had a lot of issues in the past. The Whatsapp groups where the developers hang out are all boys and she is not welcome inside the groups. She works for a company that is actually on the same level of IBM, and she experiences discrimination. The reason why she’s not in the group is that a guy said, “Oh, if you’re in the group you wouldn’t like it because there’s a lot of dirty jokes.” Which is dumb, right? These are groups filled with developers. It’s not a joke group. For the people who are in technical fields, this often happens. There are sort of like boys clubs that sprout up. And it is a bit difficult for women to come in. Not because of the skills, no, but because of the resistance of the existing technical workers, who are mostly men.

Now, for an entrepreneur, it depends on the level. Right now I don’t experience these discriminatory practices. At the beginning, of course, being a female leader in the tech space, not just in the blockchain space, there are things that are expected differently of you. If you’re a guy in the IT space, you’re basically there because you have technical knowledge and you have business acumen. If you are a woman, there are two scenarios (and this is true in Indonesia, I am not sure for other countries): business acumen, maybe, or you are good at relationships, with the bapak-bapak (older men), with the guys who basically make the decision. We’ve seen that a lot. I’ve seen a lot of female managers who are literally flirting to get deals. And that actually happens a lot in the IT world.

I actually hired someone from my partner back in IBM, and well, we were going to bulk up this new partner company. And I’ve asked them, “Okay, so what would you like to have in your sales team, your sales manager?” And they wanted to have a pretty girl. Literally, their wishlist, number one, is pretty girl. So that still happens, especially for the IT industry. That still happens a lot. When you’re at the director level, the chairman level, or Board of Directors level, that doesn’t get associated with you. But when you’re still a young sales manager and you’re a girl, the first question would be this. Like you could see the calculations in their minds, and they are calculating whether you’re here because you can talk with people, or you’re here because you can flirt with people. The calculus is still there.

Do you have any recommendations for how leadership or even everyday employees can start fixing that mindset?

This has to come from both genders, of course. Men especially, the technical guys, should try to make women feel more welcome. Women have a lot to add to the conversation. I’ve worked with both male and female developers, and they all have different thoughts to add. It’s not something cliche, like “women are better at user interface.” With the addition of women into the workforce, you get additional thoughts that you as a male might not have thought of. Simply more variety in terms of your thinking. When I see the construction of boys clubs within developer organizations, those are usually because of dirty jokes, because of people trying to have fun. But in terms of professionalism and basically to make people welcome, it may be best to discourage these so that you can have a very safe environment for everyone in the end.

I think there are two suggestions for women ourselves: if you’re a woman, you’re a technical person, and you really want to be a programmer, don’t be afraid of venturing inside the boys clubs — it doesn’t mean you have to be a boy or a tomboy even. Just be yourself, but show that from a merit perspective you have the capability. In the end, I think it’s all about capability. If you want to be more of a business manager or developer, I think it’s the same. There will be people looking at you sideways, especially in this industry, and that’s going to be true at least for the next few years. But just focus on the merit of the discussion, your business acumen, your ideas. Don’t let the guys push you to do just relationship-selling. Focus on the content. The content will set you free.

Can you speak more on blockchain’s unique positioning with women?

Other technologies are not inherently community focused. For example, AI has a community, but without a community the technology itself still works. Big data, yes of course there are communities sprouting around big data, but that is less about the technology itself than the gathering of the data. Now, blockchain – and especially the more public blockchain like ICO activities – even the development of new technologies are all created by communities. It is a way to make multiple people from competing interests work together as a group, as a whole. That requires a lot of community acumen. Which means the successful ICOs, the successful technologies of the blockchain, have both active technologies and active communities.

I’ve been saying this for awhile. Women are actually very good at the social aspects of technology, which until now was just social media. We are better social media users, we post more on social media, and we have an innate understanding of what creates a good community, whether its online or offline. Social media itself, have you ever heard of CAMS? Cloud analytics mobile social? About three or four years ago, it was decided that the next trends of IT was to be CAMS. Everyone was about to be working with social media; if you were in an office you’d be using something a lot like Facebook, within an enterprise. That never came to pass in enterprises, but it did come to pass in blockchain work. The way people work in blockchain — we don’t use emails. We use our own internal social media, like Telegram. It grew out of the importance of communities.

I think women in blockchain actually have a lot of potential that can be pushed. And Indonesia itself needs to be more open to this possibility. The women of Indonesia need to understand that this is a wonderful niche where women can make or break a new blockchain project. Whether the project succeeds or not could be determined by whether there’s women or not.

What’s something that you’re excited about in terms of Indonesia in the blockchain space?

I’m excited by the number of islands that we have: 17,000 islands. The number of people that we have: 260 million. And I’m also excited by the fact that we can’t get along. There’s a lot of autonomy because of democracy. Which is good, you know. Regional autonomy is good for countries such as ours. But it also means that it’s really hard to merge data, because everyone wants to own their own data. That also means that our identities might not fit. For example, I could have an identity card in Jakarta, but I could also have one in Kalimantan. And no one’s the wiser because there are different databases for each of them. The capability to merge multiple databases into one single stream of data into the blockchain without forcing people to centralise would be a boon for the entire country. And I think it’s something coming soon in multiple aspects of our daily lives in the next couple of years.

Finally, do you have any advice for young women who want to follow your path and go into programming?

It’s all about following your passions. I’ve never let go, in the many years where I was selling shampoos, when I was working in Sampoerna, I’ve never let go of my passion for computing, and that has always been my passion. That sounds geeky, it sounds weird. It’s just, you know, coding is my passion, computers are my passion, and I’ve never let go. So, I think, don’t follow me, but follow your heart. Follow what your passions are.

 

Suri: CEO & Founder of Diffago

Posted on | by angin

Tell us a bit about yourself.

My name is Suri. My complete name is Ni Komang Ayu Suriani and I’m founder and CEO of Diffago.com, an online platform helping to organize corporate social responsibility (CSR) for impacting disability issues.

I started my career in disability issues five years ago as founding team and project coordinator of DNetwork.net – a pioneering jobs network connecting people with disabilities to employment in Indonesia. During my journey as project coordinator in Indonesia, I realized that there are so many factors impacting the disabled community’s chances of gaining employment. Some of those factors are education, mobility, accessibility – among others. That’s why since January 2018 I started Diffago.com, to address some of the issues that cannot be tackled by my previous organizations.

Diffago has four services. First, we are creating a platform – it is similar to a crowdfunding model, but we will approach companies and organization to give their CSR for disability issues. Second, we will provide trainings that prepare those in the disabled community to be work-ready. Third, we will connect them to companies to get employment. Fourth , we will provide a platform that will connect buyers with disabilities in the middle-up level who need mobility aids (prosthetic leg. Prosthetic hand, etc) to mobility aids provider. So it is helping people with disabilities on a very economically diverse level. Because one of the issues that people with disabilities face here in Indonesia is that not many of them know where to get appropriate mobility aids. Especially for people from middle-low also middle-upper economic class.

Why is disability an issue we should care about?

There is a huge population of people with disabilities in Indonesia. Based on the International Labour Organization data in 2012, there are approximately 24 million people with disabilities in Indonesia. Of that 24 million, 13 million are unemployed – over 50%. Unemployment affects other sectors as well; largely the root causes are lack of mobility, accessibility, and education. They cannot attain a good education because they cannot go out easily; there is no infrastructure to help them do so independently. Many of them are not as mobile as able-bodied people; they can’t just go anywhere at anytime. It’s very hard for them. That’s why it’s so hard for them to get employment, to get better education, to get better health. That’s really what made me go, “Wow, this is a very complex issue.” It’s much harder to address than it seems.

And besides, anybody can become a person with disability at any time. If you don’t care about these issues, if you don’t care about creating inclusive communities, then what will happen? If you become a person with disability from, say, a car accident, what will happen next? This is a societal issue. We have to care, we need to create more inclusive communities for people with disability – if not for others, then for ourselves and future generations.

What are some unique challenges that women might face in the disabled community?

The majority of women with disabilities find major difficulty in gaining employment and education. This is also the case for able-bodied women without disabilities. You could imagine how much harder it is for women have disabilities. It’s also related to the culture in Indonesia. Again, even for women without disabilities it’s a very difficult to get involved in the community, to gain meaningful employment, or achieve a high level in the workplace. Even in attaining education. Because some people in Indonesia believe that if women get married, they will end up in the kitchen. So why bother attaining higher education? Can you imagine if those women also had a disability? It’s an even worse case for them.

Are there specific ways we can help women with disability? In which areas can we help them?

We need to ask ourselves how we can build their confidence, how we can help them to feel that they also have value and a good future. And we must help them realize that value first. If they realize it, then we can help them to increase their confidence. If they have the confidence, we can help them to gain employment and education, to integrate and involve them in the community more. We need them to realize that, “Hey I’m a woman, I’m smart, I’m beautiful, I’m a human being just like you who deserves employment and a good livelihood” – instead of just staying at home and waiting for help form their family. At the present, they feel as if they can’t do anything, even though they’re adults. As if they have to wait for their families, or that they can’t make decisions for themselves. I think we can really help them realize otherwise through family approach to change their family mindset firstly that their daughter/ aunty/ whoever women with disability in their family; they also have a “holly” future that we can help to create together tobe a better one. Then we can involve them into trainings and workshops related to the problem they face..

What’s it like to be a (female) entrepreneur in Bali?

It’s like you’re entering the real jungle, you know? (laughs) It’s so hard, especially in Bali. The resources here aren’t like those available in Jakarta. It’s hard to access opportunities. Events, network, et cetera. Even my own team – none of them are based in Bail. All of them are in Jakarta or Bandung. I’m actually the only one here in Bali.

Being an entrepreneur is challenging for me. I have no background in business; I studied law and have experience in the nonprofit sector. But I’m the kind of person who loves to learn new things, and most of my team members have a business background so I learn from them. And I got motivation from my advisor, Faye Alund . She’s someone who had experience in the nonprofit world for 10 years but still found success in business. So I am sure I can learn; it may take time, but through my team’s and advisor’s help, I will learn how to build a social enterprise. Because social enterprise is not exactly the same as a commercial business right? So we have to think on two sides: how to be sustainable and generate revenue, and but also the social aspect as well. It’s very hard. Maybe harder than just running a 100% commercial business.

Have you faced any specific challenges being a female entrepreneur?

Yes. For instance, when we’re trying to approach investors or when we need to pitch, sometimes I don’t feel very confident. I feel intimidated because all of the founders are men and constantly think like, “Oh okay! Am I doing good?” So confidence. And how to approach investors — most of the investors are men. How do I approach them? Making deals with impact investors and investors in general is quite challenging. That’s the most difficult thing I think.

What are some other challenges you’ve faced in the startup space?

I find so many challenges. One of those challenges is how to build a solid and strong team. I am the only female in my team, by the way. My whole team is male. As a startup, we are quite small as well. We don’t have a huge amount of money to work with, so most of us work pro-bono.

Another thing is that it’s very hard to explain some of my decisions to the team because none of them has a background in disability issues. Disabilities in Indonesia, it’s a very complex thing. It’s not what you think. It’s not like, “Let’s just do a coding training” and that’s it. No. After that, then what? It’s not like that. If you think, “OK, we just train them in IT and then they can start their own business and work from home” — actually, you have to build up their confidence, their professional mindset, their mentality. So that if they work from home they will not only finish their job, but finish it well. It’s a complex thing. I have to explain this to my team. They’re from a purely business background, no social background. That’s one of the challenges.

Resources is a huge challenge. That is, access to networks, funding, angel investors. Disability isn’t a sexy issue, it’s not trendy. So how can we convince potential stakeholders that this is an urgent issue as well as a pressing social issue? That if they help us then they can create significant impact. It’s challenging to convince impact investors and angel investors of this.

What is the startup and social enterprise scene like in Bali?

I think there are not as many as in Jakarta. Maybe it’s due to the culture. the Balinese mostly prefer to have careers in hospitality, or civil servants, or in travel and tourism. Being a social enterprise or having a startup…maybe it’s still rare or not very familiar for us. This is what I heard. I heard Balinese don’t really like to take risks. And social enterprises and startups are full of risk, right?

So what got you to take those risks and start your own enterprise?

I have a vision. I really want to make a bigger impact for people with disability. I see this is as an opportunity. And if I’m not the founder, it’s hard to make an impact. If I work for others I need to wait for their instructions. If I’m the founder, I can set the agenda. I can make the policy. I can decide quickly. So I thought, well, this is the time to be 100% involved in entrepreneurship. And I think social enterprise is the best choice for me rather than starting a non-profit, because nonprofits are very hard to sustain.

Do you see Bali as becoming a startup hub?

Like I mentioned before, it isn’t popular with young Balinese to build a startup. We will mostly choose the safer way, the safer career. But I think Bali has a huge potential to become like Bandung or Jakarta. Maybe in 10 years. Through 1000 Startups Program…I think that’s the gate for young people in Bali to see more opportunities in entrepreneurship. Because maybe we’ve never seen success stories from Jakarta or Bandung, we don’t know so much about what’s out there. But if we are exposed to those success stories, if successful entrepreneurs come here and share their stories, then maybe slowly but surely our mindset will change.

Do you have any tips on overcoming that initial feeling of doubt and finding that confidence?

Just do it. Sometimes we have so much doubt in ourselves. We’re afraid to start, we forget that the first step is to just do it. How? First, set your goals. Like, why do you want to create this company or social enterprise? What is the impact you want to create? You have to make it clear. So that when you ask someone to join your team, they can also share your vision with you. So you will have one vision together.

After that, once you follow your heart or your passion…somehow, it can take a long time or a short time, but you will find a way. No matter how hard it is, as long as you believe in it and start it you will find a way. When it comes about, it depends on the network, the opportunities. That’s why I also mentioned the importance of location, like Bali versus Jakarta for instance. But nevertheless, just start it. Very often I feel I doubt myself, like, “Oh my God, disability is not a sexy issue.” But every time I feel that, I remember, “Wait, well, I created this for a reason and this is a good reason. I believe there will be a way.” Maybe it won’t happen right away. But I keep doing it. Because if I stop even for a bit, it will take longer to achieve my goals. So just do it, keep moving.