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“ Lesson Learn on Serving Rural Banking ” Indonesia Country Workshop on Rural ICT Development Menara Peninsula Hotel Indoensia 23- 24 March 2011. Herry Waldi Wilmar, Corporate Sales PT. Aplikanusa Lintasarta. What is Rural Banking. In Rural Area : Commercial Bank (Micro Banking)
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“ Lesson Learn on Serving Rural Banking”Indonesia Country Workshop on Rural ICT Development Menara Peninsula Hotel Indoensia23- 24 March 2011 Herry Waldi Wilmar, Corporate Sales PT. Aplikanusa Lintasarta
What is Rural Banking • In Rural Area : • Commercial Bank (Micro Banking) • Regional Bank (BPD) • Rural Banking (BPR) (1718 BPR and 143 BPRS)
What Issue for Rural Banking ? Commercial and Regional Bank Have central policy to implementation ICT and should be follow by regional or branch. • Rural Banking (BPR) • Manual System and Procedure. • Time to Delivery • Off line Interbank • Risk for Human Error • Maintenance the Document
What is Rural Banking Needs • EDC (GPRS) • Mobile Office • Online Application (Cloud) BPR Solution BPR Needs BPR Concern • Accurate • Effective • Efficiency • Cost Sensitive • Capex • Opex
Lintasarta Infrastructure Readiness For Implementation Rural Banking • DENPASAR • Mataram/Lombok • Kupang • Benete • Soe • MAKASSAR • Kendari • Soroako • Palu • Manado • Ambon • Sorong • Biak • Jayapura • Timika • Manokwari • Merauke • Abepura • Wamena • Banda Aceh • Lhoksumawe • Sabang • MEDAN (Kaban Jahe, Padang Sidempuan • Pematang Siantar • Sibolga (Padang Sidempuan) • Rantau Rapat • BATAM • Tanjung Pinang • PEKANBARU • Pangkalan Kerinci • Duri • Padang • Perawang • Muara Bungo • TL Bawang • BALIKPAPAN • Samarinda • Nunukan • Tarakan • Bontang • Sangata • Pontianak • Banjarmasin • Palangkaraya • Batu Licin • Sanggau • Sampit • PALEMBANG • Jambi • Bangka • Tanjung Enim • Lampung • BANDUNG (Cianjur) • Cirebon • Tasikmalaya (also Garut) • SEMARANG (Salatiga, Kudus) • Solo • Yogyakarta (also Magelang, Klaten) • Purwokerto (also Cilacap) • Tegal (also Pekalongan) • SURABAYA (Mojokerto) • Kediri (also Madiun, Blitar, Jombang, Tulung Agung) • Malang (also Kepanjen) • Jember (also Banyuwangi) • Pasuruan (also Probolinggo) • Gresik (Bojonegoro) The NETWORK that you can trust! We Support more than 650 Cities in Indonesia , Deployand MaintainNetwork for Banking more than 11.000 links
Solution Infrastructure Mobile PLIK • Solution for BPR or BPRS • Lintasarta provide and operation PLIK (1500) and MPLIK (500) in rural area. • PLIK and MPLIK are internet link. • Internet link can be solution for online interbank in BPR • Office near PLIK or MPLIK locations
Implementation Experience • High cost and risk to deliver the equipment to rural location • Need more time in installation • Commitment to achieve “ready for service” (on-line)
Why Lintasarta Support Rural Banking ? Challenging to implementation ICT in BPR Commercial and Regional Bank • Human Resources Capability • Training • Certification • ICT investment • Server • Application • Provider Coverage • Terrestrial • VSAT • Business Process • Core Banking Application
Key success in serving Rural Banking Fast Time Delivery Reliability Security
Needs support from Government • Incentives for provider who support rural banking • Free license fee (BHP) • Reduce delivery cost • Good Transportation infrastructure