ANALISIS STRATEGI FINANCIAL TECHNOLOGY PEER-TO-PEER LENDING PT CROWDE MEMBANGUN BANGSA SEBAGAI PERMODALAN PERTANIAN DIGITAL

Abstract

Capital is one of the most important factors in conducting a business. These days, farmers are still struggling to access loans as their capital from financial institutions due to complex requirements to fulfill and wholesalers that are not profitabl e for farmers. The solution to this problem is the utilization of financial technology with a Peer-to-Peer Lending system.  PT CROWDE Membangun Bangsa is one of the start-ups that conducted a Peer-to-Peer Lending system in Indonesia. T his study aimed to identify the strategy that the company use s to distribute digital capital to farmers by using SOAR analysis. SOAR analysis focuses on the strength and results the company wants to achieve and creates a strategy to increase farmers’ productivity and company profits. The results of this study were strategies the company can apply to increase farmer’s productivity by creating a program with farmers to adjust the agriculture practices theoretically and practically, empower farmers to do the post-harvest process, and increase partnership with other institutions to supply agriculture inputs and human resources such as agronomist.