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Sample of Our Consulting Works
 
C Drivers and Constraints for Adopting Sustainability Standards in Small and Medium-sized Enterprises (SMEs) and the Demand for Finance
  DEFINIT was appointed by DIE (German Development Institute, a German leading think-tank institution) and GPFI (Global Partnership for Financial Inclusion) to conduct this study. This study addressed the motivation and bottlenecks for adopting sustainability standards in SMEs linked to Global Value Chains (GVCs) and the subsequent demand for finance. The study was underpinned by five country case studies in Brazil, China, India, Indonesia and South Africa which were synthesized into a joint study by DIE. An extract of this study was incorporated as a contextual chapter into the stocktaking study of IFC on “Leveraging Financial Services for Small and Medium-sized Enterprises (SMEs) in Sustainable Global Value Chains (GVCs)”. The stocktaking study had been commissioned by the SME Finance Subgroup of the GPFI as a deliverable under the German G20 presidency. more »
   
C Study on Financial Inclusion and Inclusive Growth in Indonesia
  Central Bureau of Statistics (BPS) data shows that the percentage and number of poor people in Indonesia has decreased from 11.47% (28 million people) in September 2013 to 10.70% (27 million people) in September 2016. However, the level of inequality in Indonesia has increased. The ratio of Gini of Indonesia increased consistently from 0.33 in 2002 to 0.40 in 2016. Therefore, there should be efforts to improve the equality of economic growth. Increased access to financial services is one way to achieve inclusive growth. One of the pillars of inclusive growth is financial inclusion (World Economic Forum, 2017). more »
   
C The Study of Financial Inclusion for People with Disabilities in Indonesia
  Financial inclusion is the key of success for the development in a country. According to World Bank (2008), financial inclusion is an absence of price or non-price barriers in the use of financial services. Therefore, accessibility to the financial sector is a key point to create an inclusive financial system. more »
   
C The Development of Operational Technical Guidance of Financial Services for People with Disabilities
  The Government of Indonesia (GoI) has issued Presidential Regulation No. 82/2016 on National Strategy for Inclusive Finance (Strategi Nasional Keuangan Inklusif/SNKI). In SNKI, GoI set a target to reach the level of financial inclusion by 75% in 2019. Global Findex data in 2017 shows that the level of financial inclusion in Indonesia is around 48.9% in 2017. Therefore, on average, it is needed an increase of financial inclusion level by 13% in every year to achieve the target. more »
   
C Capability Studies Of Commercial Bank In Indonesia In Order To Encounter Asean Economic Community (MEA)
  The effort to improve resilience, competitiveness, and the efficiency of national banking industry are crucial to face regional and global dynamics. This can be conducted by organizing business activities adjusted to bank`s capital adequacy. In addition, Indonesian banking sector also faces a bigger challenge in 2016, which is the enactment of ASEAN Economic Community (MEA) or the upcoming single market in ASEAN regional economic. more »
   
C Toyota - Market Research On Car Ownership And Interest Of Corporate Social Responsibility (CSR)
  The automotive industry has significant contribution to Indonesia in various aspects, including economic and social aspects. In terms of economic aspect, the automotive industry plays a role in increasing tax income. In terms of social aspect, the automotive industry is increasing the knowledge and the technology transfer to the society. The automotive industry also absorbs a high number of labors. In the last four years, the growth of the automotive industry was 6.5 percent ( www.gaikindo.or.id ). In addition, the development of various types and brands of cars has become the driving force for the growth of the automotive industry in Indonesia. more »
   
C Baseline Data Collection KUBE PKH 2014
  In 2007, the Government of Indonesia started the Family Hope Program (Program Keluarga Harapan-PKH) with the purpose of improving the quality of human capital by providing cash transfers conditional on household accesses specified health and education services. As a pilot project, PKH was implemented in seven provinces. In 2014, the PKH was expected to reach 3.2 million households in all provinces in Indonesia. more »
   
C Household’s Balance Sheet Survey 2013
  Financial system stability is not only influenced by real sector and government sector but also influenced by households sector. The influence of households sector could be in the form of capital inflow from households to financial sector or the demand for lending from households. Households will allocate their excess of funds into various forms of asset accumulation, including savings in formal financial institutions (banking). When household facing financial difficulties, households will try to find another source of financing, such as loans to the banking sector. more »
   
C Household’s Balance Sheet Survey 2012
  Household sector not only has an important role in the economy but also having a great influence on financial stability system. The influence of the household sector in the financial system can be seen from the amount of bank loans to households. Cash flow management and liquidity of households could potentially lead to the failure of households in financing their expenditure, including meet their debt obligations. more »
   
C Financial Identity Number 2012
  Financial inclusion programs contribute to the poverty reduction, especially in developing countries. Having a higher financial inclusion could help households or enterprises to smooth their incomes, expand their business and investment opportunities, and provide buffer from shocks and unexpected risks (building financial security). Financial inclusion will enable the community to have more stable financial condition and more productive economic activities that will contribute to the improvement of their welfare. more »
   
C The Evaluation of TabunganKu (Basic Bank Account) Provision for Bank Customers (Existing and Potential Customers), and Bank Providers
  The Bank Indonesia’s survey on households’ balance sheet in 2010, indicates roughly 34,72% of the Indonesian households do not have any saving account (financially excluded in terms of saving). Of the total low-income households interviewed during the survey, there is an only 12.19% household with saving accounts in banks. more »
   
C Household’s Balance Sheet Survey 2011
  Household’s Balance Sheet Survey (HBSS) 2011 is one of Bank Indonesia’s programs to monitor risks at household level that could affect Indonesian financial system stability. The experience of various countries shows that households’ financial risks and problems could influence the financial stability of a country as a whole. Therefore, more regular and intensive analyses and surveillance on household’s finance development is becoming more crucial.
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