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Embedded finance & trade credit (Talangin)

PasarMIKRO funds trades in real time for verified users, so buyers and suppliers can trade faster, safer and at larger volumes.

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How it works

Example screens with demo data.

  1. 1

    Purchase order

    The processor issues a PO.

    Detail Project screen for an export contract of 45 tonnes of Robusta Lampung G4 with PT Selat Sunda Coffee Export
  2. 2

    Credit allocation

    Up to 90% of the contract value is made available as credit.

    Home screen of the PasarMIKRO app with the buying wallet, the business wallet and the available Talangin credit
  3. 3

    Commodity purchase

    Suppliers buy the commodities from farmers.

    Purchase of 500 kg of robusta from a farmer, paid with Talangin and waiting for the seller to process it
  4. 4

    Delivery confirmation

    The processor confirms the goods were received.

    Window to confirm the goods arrived, with a regular or instant payout to the seller and an optional photo as proof
  5. 5

    Final invoice

    The invoice is verified in the PasarMIKRO app.

    Talangin bill detail with the amount still owed, the share already paid and a timeline of the loan
  6. 6

    Payment settlement

    The processor settles the supplier’s invoice.

    Bayar Tagihan window where the amount to repay is entered, in part or in full

What it covers

  • Talangin working capital for inputs, stock procurement and order fulfilment
  • Credit scoring from transaction history and partner verification
  • Deferred-payment (TOP) bridging for trusted buyers and suppliers
  • Advance PO financing and invoice-based settlement

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