Solutions
Embedded Finance & Trade Credit (“Talangin”)
What it is:
PasarMIKRO offers short-term working capital solutions directly within the trading process.
This embedded finance model enables faster, safer, and larger-volume trade by funding transactions
in real time for verified users.
Key Capabilities:
- Talangin: Working capital provided for input purchases, stock procurement, or order fulfillment.
- Credit scoring based on transaction history and partner verification.
- TOP bridging allowing Purchase Now Repay Later-style deferred payments for trusted users and suppliers.
- Integration with buyer confirmation and digital invoice systems to de-risk repayment.
- Advance PO financing & invoice-based settlement mechanisms.
Revenue Model:
Fees, interest margins, and platform usage tied to financing volumes. Currently PasarMIKRO’s main revenue driver.
Trusted Trade Facilitation
What it is:
Core digital infrastructure that allows two or more informal traders or supply chain actors
to transact safely with confidence in fulfillment, payment, and traceability.
Key Capabilities:
- Deal confirmation workflows
- Transaction tracking & proof
- Notifications and payment anchoring
- Integrated logistics & settlement tools
Counterparty Risk & Credit Assessment
What it is:
PasarMIKRO performs due diligence and creditworthiness assessments on users—
either during onboarding or dynamically through behavior tracking.
Key Capabilities:
- KYC/AML data collection
- Dynamic credit scoring
- Buyer-verified trust tagging
- Behavioral history & repayment reliability
Field Verification & Inspection Services
What it is:
PasarMIKRO’s field operations team can be deployed to conduct physical checks
of inventories, facilities, or logistics conditions—offering high-touch trust services
to complement digital trade.
Examples:
- Stock counting survey before financing
- Warehouse/facility inspections for buyers or funders
- Site verification for sourcing programs
Integrated Trade Insurance Support
What it is:
PasarMIKRO facilitates access to insurance products designed for smallholder-linked trade risk,
including protection against loss, damage, or liability.
Coverage Types:
- Cargo/Transit insurance
- Warehouse or storage insurance
- Potential to expand into crop or harvest-linked coverage
Tech & Implementation Partnering
What it is:
PasarMIKRO co-develops and implements digitization programs for inclusive sourcing,
traceability, and financial inclusion with large buyers and institutional partners.
Examples:
- IKEA & Findora: Rattan supply chain + homeweaver digitization
- Unilever: Palm sugar traceability and sourcing compliance
- Future projects in cocoa, rice, kapok, and seaweed
Institutional Deployment & Customization
What it is:
Custom platform setup for institutional users (e.g., cooperatives, processors, NGOs, DFIs) including:
- Mirror databases
- Custom workflows
- Reporting dashboards
- Embedded monitoring tools
PasarMIKRO ERP (Mikro ERP)
What it is:
A lightweight enterprise resource planning system designed for smallholder-based agri-enterprises, cooperatives, traders, and processors. Mobile-first, simple to use, and tailored for rural business operations.
Why it matters:
Mikro ERP helps digitize daily operations — from purchases & sales to inventory, orders, and payments — and connects data into the PasarMIKRO ecosystem for finance and traceability.
- Inventory & Order Management – Record stock, monitor orders, and track deliveries.
- Financial Ledger – Simple accounting for receivables, payables, and cash flow.
- Trade Integration – Connects directly with PasarMIKRO’s marketplace and financing tools.
- Multi-user Access – Cooperative managers, traders, and staff collaborate in real time.
In short: Mikro ERP gives small agri-businesses the same digital backbone large corporations enjoy, built for the realities of Indonesia’s smallholder supply chains.
Our Solutions
Embedded Finance
Embedded Trade Finance Services
Short-term working capital (Talangin), credit scoring, PO & invoice financing
Trade Facilitation
Secure Transaction Enablement
Safe, transparent, and traceable trading interactions
Risk & Credit
Digital Risk Profiling & KYC Services
Counterparty assessment based on identity, history, and behavior
Field Ops
On-Ground Trade Assurance & Survey Services
Physical verification of stock, facilities, and logistics
Insurance
Trade-Linked Insurance Enablement
Cargo and warehouse insurance integration
Program Delivery
Inclusive Supply Chain Tech Partnering
Co-design and implementation of digitization or traceability projects
Institutional Tools
Platform Customization & White-Label Solutions
Deployments for processors, coops, and development actors