ERP solution for SME as "murabahah" collaborator
  • Sector Sme, Software
  • Country Indonesia
  • Founding date January 2020
  • Stage Users
Indonesia has large muslim population and thousands of SME. All of them need financial support. As a business need or their employees need. For example for buy raw material or employees motorcycle (dominated by riba leasing company).murabahah financing program need a warranter to mitigate the risk.


Sme, Software
Product usage or interact
API, Server software (ie, databases))


Target customer
SME business owner. target : 5% from 26 million SME companies (2019)
Customer acquisition strategy
ads after first milestone. make word of mouth works.
Revenue model
Licensing, Commision as SME collaborator

Market info

Market size
Competitor name
Competitor website
Jurnal.Id has a excellent product features because of the big company behind. Personally, the business owner feel as a customer perspective. Not a partnet who can help their business strategy, provide SOP for operational purpose etc. If the company need the feature their will pay the features. The pricing models is licensing fee with limitation modules options.
This is the differentiation point for Neraca.Id that give some free business services. And Neraca.Id give all the features.
Startup traction
1. the number of coompany tha used as a real customers who use the ERP solution for their business
2. The business area spread indicates the measurement of for collaboration readiness
3. referral indicates they are happy with the features and services

Total early investment
Shareholder structure
Owner type
Agus Widodo
% 100
Investment round
Angel Investment
Investment amount
Equity on offer
% 49.0


Agus Widodo  - Indonesia
Total team member
Last update: 29.02.2020