Growing enterprise for Women in Retails

with Micro finance

17th Jan 2024

 1. Back ground

Student days: Street Children prog in Vietnam

Micro Finance Found a company

2003 Bank of Japan 2011 In Bangladesh 2019 In Malaysia

Promote women entrepreneur’s

independent with confidence!!!
2. Market of Malaysia + Indonesia

Population: 300mil Mobile penetration: 80%

Average age: 29.9yrs Unbanked or Under banked: 80%

3 Strictly Confidential @2023ビー・インフォマティカ（株）

3. Persona of women entrepreneur

Case of Kuin
Fabric Demographic

• Later 20s to 40s

・early 30s • Get initial fund from Family and
・Single friends
・From Sarawak, in KL
・Fashion and bag in • Retail in Shopping mall/market
Traditional fabric • Small business
• Running 1-5 yrs

Challenge
Geographic Psychographic
• Passionate for grow
・Space is so expensive • Grow up in Big city
• Help others
• Launch enterprise in KL
・Low biz literacy • Proud of tradition in
home city

4 Strictly Confidential @2023ビー・インフォマティカ（株）

4. Usage of loan

Community
Fitri(Leader)

!""#$%&'()*+$,*#
'&&"("-
./#0'*%#&'(#
1"2'/$+#&'(#/3'22$%4#
)*556
73"8#3"52"-#'9(#
,'55"*49"/#*/#:"556

!"#$%&'!()*+,
Colleague (4)

Strictly Confidential @2023ビー・インフォマティカ（株）

5. Problem
Women-led MSMEs have challenges to access finance

Limited Access to 25%

Bank loan
• of SMEs in SEA can access to Bank loan
• high requirement

Less
Business
20%
literacy •
•
of SMEs in Malaysia is women-led
Required husband’s permission
• less financial education

6
 6.Solution
3!"#$%&'()*+,-./0
Combination of 3 service

Biz training
!"⽀#$%&'( Financial
⾦)⽀# support
Knowledge
-./&share
⾯89:
・Selection

1month
Space Matching
01234 half 0;<=>*04 ?,
・Training (4)

00@ABCDE
・Business plan
Micro
056⾦7finance
Nb*030 cde0100 cd,
Loan (USD3K-10K)
Y.#VZ[\
・Expansion
Winning Theory 0 To]^_E
Malaysia
!"#$%&'() 1−5 0fgh2*0100 ce0500 cd,
Mezzanine (USD10K-50K)
!"#
0 ・Solve
FGH⾮IJKLM
information bias
0 NOHPQ
・Lower default ・Expansion
・Build up biz literacy 0⽇`_E⽀a 00ij1Uk*0500 cde,
Equity (USD 50K)
0RS⾦7TU4V#WX To Japan 11
Strictly Confidential @2023ビー・インフォマティカ（株）
6. Solution

Unique credit scoring

Data Algorithm Total Score

Quantity Quality

8
7. Traction : Loan History

Since Oct, 2020

Got Money Lending License
In Malaysia

93 160K 3-5%
• No. of disbursed Loan • Amount. of disbursed Loan • Default rate

9
8. Business model

Loan structure %
20
1.Size：RM10K ($3,000)
2.Term：12month
3.Install：Monthly 15

10

0
Interest Admission fee Interest cost Credit cost exchange cost SGA Profit

Revenue Cost Profit

24%（anm） 17% 7%

10
9. Findings of APT SG trip

Kiyasu/ Compact
Efficient first City
Strategic Location

Thinking global

Gathering Expensive
Hill skilled pp

11
9. Findings of APT SG trip

1. Investors 2.Mentors

Why VC invests me? Own story

(Market size, skillset) Goal driven Mind

3.Entrepreneurs

Global startup way

12
9. Findings of APT SG trip

New Idea (Pop up/ Space matching )

Space of
Product Café/Bakery
of borrowers Hair salon

x
Tenant
Credit score

Creating Synergy
For Retail women entrepreneur
10. Ask

Seek for SEA network

Potential Investors
Tenant / Space Micro finance
partners partners
Instructors for
fund-raising

Thank you！

info@bee-informatica.com,
https://bee-informatica.com/
Create the system to promote
entrepreneurs
independent with confidence

Thank you！
info@bee-informatica.com,
https://bee-informatica.com/