KITE’s proven impact measurement model for palm oil and fishing sectors will be adapted to meet the unique needs of Indonesia’s microfinance and e-commerce industries – ensuring consistency in transparency while addressing sector-specific goals. Here’s the plan:
1. Adaptation for Microfinance Sector
Indonesia’s microfinance market serves over 50 million MSMEs and unbanked users, with priorities on financial inclusion, loan accessibility, and default risk reduction.
Core Impact Metrics (Aligned with Kemenkop UKM Targets)
Tabel
Category Key Metrics Baseline (2025) Target (2027)
Financial Inclusion - Percentage of unbanked users accessing services - Average loan size for first-time borrowers - Number of MSMEs using digital credit 12% IDR 2.5M 2.3M 35% IDR 3.8M 5.5M
Economic Impact - MSME revenue growth rate - Default rate on loans - Percentage of loans used for business expansion 8% 18% 40% 18% 8% 65%
User Experience - Time to loan approval - Transaction cost per loan - Digital literacy rate among users 3 days IDR 15,000 15% 30 mins IDR 5,000 50%
Social Impact - Women-led MSME access rate - Rural vs. urban user distribution - Job creation per 100 loans 25% 30:70 1.2 jobs 45% 50:50 2.5 jobs
Measurement Methods
- On-Chain Tracking: AI agents record loan disbursements, repayments, business revenue data (integrated with e-commerce platforms like Tokopedia), and user behavior – enabling real-time risk assessment and impact monitoring.
- Ground-Level Data: Partner with local microfinance institutions (MFIs) and cooperatives to conduct monthly surveys on loan usage, business performance, and user satisfaction.
- Government Sync: Integrate with OJK’s microfinance database and Kemenkop UKM’s digital platform to align metrics with national financial inclusion targets.
2. Adaptation for E-Commerce Sector
Indonesia’s e-commerce market is valued at over $50 billion, with priorities on supporting MSME sellers, reducing logistics costs, and improving cross-border trade access.
Core Impact Metrics (Aligned with Ministry of Trade Targets)
Tabel
Category Key Metrics Baseline (2025) Target (2027)
Seller Growth - Number of MSMEs selling online via KITE tools - Rural seller participation rate - New seller retention rate 1.8M 15% 55% 4.2M 35% 80%
Economic Impact - Average seller revenue growth - Logistics cost reduction - Cross-border sales percentage 10% 25% of revenue 3% 22% 12% of revenue 10%
Operational Efficiency - Time to process orders - Inventory turnover rate - Customer satisfaction score 2 days 4x/year 3.2/5 6 hours 8x/year 4.5/5
Inclusion Impact - Women-led seller percentage - Sellers with no prior digital experience - Access to international markets 30% 20% 5% 45% 50% 15%
Measurement Methods
- On-Chain Tracking: AI agents automate order processing, inventory management, and cross-border payment records – providing real-time data on sales, costs, and supply chain efficiency.
- Platform Integrations: Partner with major e-commerce players (Tokopedia, Bukalapak, Shopee) to sync data and measure the impact of KITE’s tools on seller performance.
- Regional Surveys: Conduct quarterly surveys of sellers in priority regions (e.g., East Java, Central Java, South Sulawesi) to gather feedback on usability and business benefits.
3. Common Framework Components Across Sectors
To ensure consistency and scalability, KITE will retain core elements of its impact measurement model:
- Unified Data Infrastructure: All sectors use KITE’s blockchain for immutable record-keeping and AI agents for automated data collection – with sector-specific algorithms tailored to each use case.
- Localization: Dashboards, surveys, and reports are available in Bahasa Indonesia and regional languages, with mobile-first design for accessibility.
- Government Collaboration: Sync metrics with relevant ministries (Kemenkop UKM, Ministry of Trade) and regional governments, with joint review meetings to align on targets and improvements.
- Third-Party Verification: Annual audits by independent firms and local research institutions to validate data and ensure accountability.
- Public Transparency: Sector-specific dashboards and regular reports are published online, with community feedback sessions to drive continuous improvement.
4. Scaling & Replication Process
- Phase 1 (Pilot): Launch in 3-5 regions per sector (e.g., Jakarta, Surabaya, Medan for e-commerce; Yogyakarta, Palembang, Makassar for microfinance) to test adapted metrics and methods.
- Phase 2 (Refinement): Use pilot data to adjust metrics and tools based on sector-specific challenges (e.g., simplifying cross-border payment processes for e-commerce, adapting credit scoring for rural microfinance users).
- Phase 3 (National Scale): Roll out the framework to all 34 provinces, leveraging government partnerships and existing community networks to ensure wide adoption.
- Knowledge Sharing: Host workshops for local governments, MFIs, and e-commerce platforms to share best practices and enable them to replicate the model independently.
5. Cross-Sector Synergies
KITE will integrate metrics across sectors to capture holistic impact:
- For example, track how microfinance loans help MSMEs expand into e-commerce, or how e-commerce sales data improves microfinance credit scoring.
- Share cross-sector insights with governments to inform policies that support integrated economic development (e.g., linking rural microfinance to national e-commerce marketplaces).
By adapting its impact measurement framework to these sectors, KITE aims to drive inclusive growth across Indonesia’s digital economy – ensuring that technology delivers tangible benefits to both businesses and communities.
