Every funding activity has a story behind it. From businesses taking bigger opportunities to workers gaining broader employment access around partner locations.
PT Hasdasa is a vendor of PT Kaldu Sari Nabati Indonesia (KSNI), providing workforce services across several KSNI factory locations. The partnership began in 2023 with an initial need of around 500 workers.
As KSNI demand continued to grow, Hasdasa had the opportunity to add more workers. However, limited working capital and banking access made that opportunity difficult to fulfill, especially due to collateral requirements.
In 2024, KSNI recommended Hasdasa to access funding through Sanders using KSNI invoices as the basis for financing. With a more flexible and accessible process, Hasdasa increased the number of workers placed to around 2,000 people, up to 4 times higher. The impact also reached communities around the factories through broader job opportunities.
“Timely funding helped Hasdasa take bigger opportunities and open more jobs around factory locations.”
PT Hasdasa
Workforce vendor for the KSNI ecosystem
Stories from partner companies, business owners, and lenders show how the Sanders ecosystem helps businesses keep moving, create opportunities, and build trust.
PT Kaldu Sari Nabati Indonesia (Nabati)
As a partner company, KSNI/Nabati shows how ecosystem funding can help business partners access more relevant working capital and keep business activity moving.
Borrower Story - Entrepreneur
“The loan application was easy, product purchasing funds increased, and business revenue improved.”
PT Kamadjaja Logistics
As an anchor (partner company) in the logistics sector, PT Kamadjaja Logistics facilitates funding for its partner vendors, ensuring operational continuity and meeting fast-moving business needs.
Lender Story
“The return is competitive; I only need to choose which loans to fund based on the rating to pursue better outcomes.”
Hasdasa's story shows that funding access does more than help a company maintain cash flow. In the right context, funding can help a business capture opportunities that were previously hard to reach.
For vendors working with large companies, invoices can become a financing basis that is more relevant to their business activity. Sanders supports this process through data verification, risk monitoring, and collaboration between parties in the same business ecosystem.
“The best impact is felt when funding helps a business grow while opening opportunities for more people.”
The impact does not stop at the funded company. When a business can meet higher demand, workforce needs also grow and create opportunities for surrounding communities.
This approach makes funding impact more tangible: businesses gain room to grow, partner companies are better supported operationally, and more people gain access to work.
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Regulatory Framework
PT Satustop Finansial Solusi ("SANDERS") is registered and licensed by the Financial Services Authority ("OJK") as an Information Technology-Based Co-Funding Services (LPBBTI) Provider with Business License Number KEP-40/D.05/2021 dated May 11, 2021, such that the conduct of its business activities is strictly supervised by OJK in accordance with Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI).
OJK DisclosureThis Information Technology-Based Co-Funding Service (LPBBTI) constitutes a civil agreement and consensus between the Lender and the Borrower, such that all risks shall be borne by each respective party.
Credit risk or default and all losses arising from or related to the borrowing and lending agreement shall be borne entirely by the Lender. No state institution or authority is responsible for such default risk and losses except through insurance coverage in accordance with applicable terms and conditions.
The Provider, with the consent of each respective User (Lender and/or Borrower), accesses, obtains, stores, manages, and/or uses User personal data ("Data Utilization") on or within physical objects, electronic devices (including smartphones or mobile phones), hardware or software, electronic documents, applications, or electronic systems owned or controlled by the User, by informing the purpose, limits, and mechanisms of such Data Utilization to the relevant User prior to obtaining the required consent.
Lenders who do not yet have sufficient knowledge and experience regarding this co-funding service are advised not to use this co-funding service.
Before using this service, Borrowers must consider the loan interest rate as well as other associated fees in accordance with their ability to repay the loan.
Any fraudulent acts are digitally recorded in cyberspace, may become known to the wider public on social media, and can serve as valid legal evidence according to laws and regulations concerning electronic information and transactions in dispute resolution and law enforcement processes.
Members of the public using this service must read and understand all information regarding this service before deciding to become a Lender or Borrower. A User's decision to utilize this Service constitutes proof and acknowledgment of understanding such information.
The Government, in this case the Financial Services Authority, is not responsible for any violations or non-compliance committed by Users, whether Lenders or Borrowers (due to intentional wrongdoing or negligence), against statutory regulations or agreements between the Provider and the Lender and/or Borrower.
Users agree that borrower credit records will be reported periodically to the Financial Services Authority and/or the Joint Funding Fintech Association (AFPI) for the purposes of the Fintech Lending Data Center (Fintech Data Center), which will be shared among providers, national banking industry actors, and other financial industry participants.
Every borrowing and lending transaction, activity, or execution of an agreement between or involving the Provider, Lenders, and/or Borrowers must be conducted through escrow accounts and virtual accounts as mandated under Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI), and any violation or non-compliance with these provisions constitutes evidence of unlawful acts committed by the Provider, such that the Provider shall be obligated to indemnify any losses suffered by respective Users as a direct consequence of the aforementioned unlawful acts without prejudice to the rights of the injured Users under the Civil Code.
This Information Technology-Based Co-Funding Service (LPBBTI) constitutes a civil agreement and consensus between the Lender and the Borrower, such that all risks shall be borne by each respective party.
The Provider, with the consent of each respective User (Lender and/or Borrower), accesses, obtains, stores, manages, and/or uses User personal data ("Data Utilization") on or within physical objects, electronic devices (including smartphones or mobile phones), hardware or software, electronic documents, applications, or electronic systems owned or controlled by the User, by informing the purpose, limits, and mechanisms of such Data Utilization to the relevant User prior to obtaining the required consent.
Before using this service, Borrowers must consider the loan interest rate as well as other associated fees in accordance with their ability to repay the loan.
Members of the public using this service must read and understand all information regarding this service before deciding to become a Lender or Borrower. A User's decision to utilize this Service constitutes proof and acknowledgment of understanding such information.
Users agree that borrower credit records will be reported periodically to the Financial Services Authority and/or the Joint Funding Fintech Association (AFPI) for the purposes of the Fintech Lending Data Center (Fintech Data Center), which will be shared among providers, national banking industry actors, and other financial industry participants.
Credit risk or default and all losses arising from or related to the borrowing and lending agreement shall be borne entirely by the Lender. No state institution or authority is responsible for such default risk and losses except through insurance coverage in accordance with applicable terms and conditions.
Lenders who do not yet have sufficient knowledge and experience regarding this co-funding service are advised not to use this co-funding service.
Any fraudulent acts are digitally recorded in cyberspace, may become known to the wider public on social media, and can serve as valid legal evidence according to laws and regulations concerning electronic information and transactions in dispute resolution and law enforcement processes.
The Government, in this case the Financial Services Authority, is not responsible for any violations or non-compliance committed by Users, whether Lenders or Borrowers (due to intentional wrongdoing or negligence), against statutory regulations or agreements between the Provider and the Lender and/or Borrower.
Every borrowing and lending transaction, activity, or execution of an agreement between or involving the Provider, Lenders, and/or Borrowers must be conducted through escrow accounts and virtual accounts as mandated under Financial Services Authority Regulation Number 10/POJK.05/2022 concerning Information Technology-Based Co-Funding Services (LPBBTI), and any violation or non-compliance with these provisions constitutes evidence of unlawful acts committed by the Provider, such that the Provider shall be obligated to indemnify any losses suffered by respective Users as a direct consequence of the aforementioned unlawful acts without prejudice to the rights of the injured Users under the Civil Code.
This information technology-based financing service involves risks. Make sure you read and understand the terms and conditions before making a financial decision.