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How employers can be a partner to help employees access financing

Dino Setiawan has worked in a number of large banks covering, treasury risk management, commercial lending, investment banking, and more recently headed a Silicon Valley based fintech lender providing access to finance for the US underbanked. He blogs to democratize institutional lending issues for mainstream discussion. Afterall, if you knew what went into your bakso, you’d improve your eating habits. Same goes for loans, you become a healthier borrower. I wrote earlier this month that banks only lend to people who they think will pay them back. Unfortunately (or some may think fortunately), Indonesian banks have a hard time getting the right information about you. Especially if you have ne

What can Indonesian fintech do to give more people access to financing?

Dino Setiawan has worked in a number of large banks covering, treasury risk management, commercial lending, investment banking, and more recently headed a Silicon Valley based fintech lender providing access to finance for the US underbanked. He blogs to democratize institutional lending issues for mainstream discussion. Afterall, if you knew what went into your bakso, you’d improve your eating habits. Same goes for loans, you become a healthier borrower. So what is fintech? Financial Technology, with an emphasis on the technology. How riding a bicycle is to walking, fintech can have the same multiplier effect to traditional banking. Roads enabled bicycles to be 10 times more efficient than

Why are Indonesian banks only lending to a small segment of the population?

Dino Setiawan has worked in a number of large banks covering, treasury risk management, commercial lending, investment banking, and more recently headed a Silicon Valley based fintech lender providing access to finance for the US underbanked. He blogs to democratize institutional lending issues for mainstream discussion. Afterall, if you knew what went into your bakso, you’d improve your eating habits. Same goes for loans, you become a healthier borrower. Indonesian banks and regulators look at the proportion of loans where borrowers fail to repay against all the loans they lend out. This is called the Non-Performing-Loan (NPL) ratio. Should this ratio rise above a certain level, regulators