konsep ini digagas dan disusun oleh Yudi Hadori, MM, MBA. Didasari oleh keperdulian terhadap masa depan bangsa dan keinginan kuat dalam memberdayakan masyarakat pedesaan. Semoga konsep ini dapat ditransformasi kedalam tindakan melalui keperdulian kita semua.

1. Sentra Bisnis Gotong Royong
Membangun Usaha Bersama dari kita oleh kita untuk kita
www.desainovasi.com
© Kindo21 - 2010 1

2. Kindo21 Network Member
co-operative entity by shares
combination of Co-op & PT or informal PT Tbk.
Venture
Knowledge
Fund
SME Member
pay service
share profits
Business
Business Concept fair trade scheme
www.desainovasi.com
© Kindo21 - 2010 2

3. SME business transactions
Data
Mentors Alert bw Rating Funders
hard ware
Reports
Advice
Loan
Small Medium Enterprises
may form Co-operative of SMEs
Information Flow
www.desainovasi.com
© Kindo21 - 2010 3

4. Funders
share profit
Franchises
Service
Mentors pay service
Operator pay franchise SBGR
share profit
pay service
Small Medium Enterprises
may form Co-operative of SMEs
Payment Flow
www.desainovasi.com
© Kindo21 - 2010 4

5. Funders
grant/aid
Franchises
Service
Mentors pay service
Operator subsidize SBGR
grant/aid
subsidize
Small Medium Enterprises
may form Co-operative of SMEs
Grants/Aid Program Channeling
www.desainovasi.com
© Kindo21 - 2010 5

6. Mentors
Group
Mentors Mentors
Group Group
SBGR
Knowledge
Database
Mentors Mentors
Group Group
Mentors
Group
Innovation Building Public Knowledge
www.desainovasi.com
© Kindo21 - 2010 6

7. Business Concept
 Kindo21 member provides:
– Knowledge
– Venture Funds
 The venture funds are used to finance ICT infrastructures, which consist of:
– Hardware  computer and internet
– Software  application
– Brainware  operator
 The ICT is utilized to provide services to SME members, managed & operated by a service
operator. The service operator is replicated using franchise scheme
 The SME members are benefited by economy of scales for using common ICT infrastructure.
By using ICT & mentoring, SME gets the same system as bigger firms that includes formal
management reports and management alerts
 Kindo21 member provides mentoring and knowledge to SME member. SBGR will arrange
trainings and technical assistant to help SME members
 SME members pay the economy of scale allow SME member to afford services that are
provided by Kindo21 members and ICT operator and share profit from using venture funds
 Using historical SME member performance data, SBGR provides credit rating to increase
lending position for the benefit of SME member
 SBGR encourages fair trade labeling to enhance SME member’s competitive edge
 SBGR owned SME member’s transaction data and related business information to be used to
enhance the way of doing business and innovation
www.desainovasi.com
© Kindo21 - 2010 7

8. FORDISKA
SME
focus
GOI technical assistant Kindo21 experts
Pool of Kindo21 Network
Mentors
Kindo21
business angels
managed by SBGR
target Pool of Pool of
member SMEs SBGR Funds lenders
SBGR partners
venture funds
Pool of
Service
Operators
franchisees
Organization Relationship
www.desainovasi.com
© Kindo21 - 2010 8

9. Organization and Entities
 SBGR (Sentra Bisnis Gotong Royong)
– Entity form: PT with open share holders  unlimited share holders (like PT Tbk but
the shares are not traded)  need about min 300 shareholders
– All shareholders suppose to work together in any part of SBGR pools
 Pool of Funds  include loans, grants and technical assistant (TA) programs
– No entity form  maintained and managed by SBGR
– SBGR acts as disbursement channel
 Pool of Mentors
– Possible group entity form: a sector club or an area club
– Purpose: sharing and improve mentor’s knowledge and skills
 Service Provider  maybe owned by an individual or a Co-operative of SME
– Possible group entity form: a sector club or an area club
– Purpose: sharing organization learning
 Pool of SMEs
– Possible group entity form: a club of SME or a co-operative of SME
– Purpose: forming service provider (self financed by SMEs) and as economic of scale
to buy and sell, sharing information and knowledge among them
www.desainovasi.com
© Kindo21 - 2010 9

10. Sample of Service Provider Segmentation
Sectors
SP agricultr fishery
processed
food
handicraft compnent services etc. …
Jakarta
SP-2
Smrinda Karawng Prwkrta Bandung
SP-1
Cities
SP-3
etc. …
www.desainovasi.com
© Kindo21 - 2010 10

11. Financial
Module
Analysis Sales
Module Module
Service
HR Module Provider Purchasing
Module
ICT
Budgeting Production
Module Module
Inventory
Module
Service Provider – ICT Modules
www.desainovasi.com
© Kindo21 - 2010 11

12. SBGR – ICT Infrastructures
www.desainovasi.com
© Kindo21 - 2010 12

13. • Application Design (ICT): service operator database, SBGR database, reporting, etc
• Management Alert Indicators: financial, production, marketing, personnel, etc
3 months • Operational SOP: getting data, mentoring, transferring data to SBGR, etc
System • Draft Agreement & MOU with: ICT supplier, service providers, lenders, target SME, etc
Design
• Socializing concept to Kindo21 member: attract them to join
• Issue equity shares: fair shares composition
1 month • Complete legal documents: notary deed, tax registration, permits and licenses
Forming • Register Kindo21 resources for mentoring: categorized into multiple dimension matrix
SBGR Entity
• SBGR invest in hardware and operator to form Service Provider
• Seeking target SME to join the club in one defined area of service provider operation
2 months Setting-Up • Engage agreement with SME to use service that includes ICT and mentoring
Pilot Service • Schedule training programs or provide information available training programs
Provider
• Start posting SME transaction: by online or in batch
• Mobilizing Kindo21 resources for mentoring: don’t expect payment at initial stage
3 months • Implement training programs: in lining with government programs
Test Run
• Seeking target franchisee: SBGR shall evaluate service quality, infrastructure & resources
• Sign up MOU with franchisee: specify their right and obligation
• Train franchisee: provide initial training to reach specified standard
3 months Franchising • Support and help franchisee: build up standard of professional culture
Replication
• Use SME transaction to provide credit rating
• Use SME information to innovate and build up SBGR learning organization
Develop- • Encourage fair trade and other competitive edge labeling
12 months
ment
Business Planning
www.desainovasi.com
© Kindo21 - 2010 13

14. Phase 1 – System Design (3 months)
 Application Design (ICT Infrastructures):
– Service Operator application & database  provides Service Operator ID & SME ID,
enable to transfer SME data to other Service Operator
– SBGR application & database
• SME transaction database  sector consolidation for credit rating and industry analysis &
as back up (need to be group by service operator ID)
• SBGR resources database  to manage SBGR resources
– Mentor database  to manage knowledge, availability
– SME database  credit rating, sector analysis, inter-company co-operation
– Service Provider database  to manage segmentation by sectors and cities
– Fund Provider database  to manage and distribute funds
– Reporting system  financial report, production/operation report, sales report, etc
– Management Alert Indicators  financial, production, marketing, personnel, etc
 Operational SOP: getting data, mentoring, transferring data to SBGR, etc
 Draft Agreement & MOU with: ICT suppliers, mentors, service providers,
funders, target SMEs, etc
www.desainovasi.com
© Kindo21 - 2010 14

15. Phase 2 – Forming SBGR Entity (1 month)
 Socializing SBGR concept to Kindo21 member & other parties
– to Kindo21 member: business concept  to be share holders or mentors
– to SMEs: operational & benefit concept  applications, reports, benefits, etc
– to Funders & Aiders: economic concept  returns, economic multiplier effects, etc
– to Service Providers: income concept  getting continues income
– attract all parties to join or take part in any SBGR pools
 Issue SBGR shares equity to Kindo21 members
– fair shares composition  gotong royong
– structure equity shares  total shares capital, par value, shares registration book,
need about 50-100 mill paid up capital
– ICT suppliers may become share holder  to develop SBGR’s ICT infrastructures
 Complete legal documents: notary deed, tax registration, permits and licenses
 Opening balance sheet  start posting transactions using SBGR ICT application
 Register Kindo21 resources registration for mentoring: categorized into
multiple dimension matrix
 Organizing and Staffing  develop as we grow
www.desainovasi.com
© Kindo21 - 2010 15

16. Phase 3 – Setting Up Pilot Service Provider (2 months)
 Engage agreement with ICT application provider to use their applications for
Service Provider and SBGR Central Database
 SBGR invest in hardware and working capital of operators (staffs) to form a Service
Provider
– Hardware includes: computer, internet connection, printer
– Service Provider’s back office space  not necessary in high profile area
– Staffing of 2-3 person for data posting and mentors management & scheduling
 SBGR invest in hardware and office infrastructures for central & backup database
– Front office  negotiation with funders, buyers, and suppliers for the benefit of SMEs,
meeting place of mentors, etc
– Back office  SBGR operation, central & backup database, workshop & development
 Seeking target SME to join the club in one defined area of service provider
operation either in one sector or multiple sectors
 Engage agreement with SME to use services that includes ICT and mentoring
 Schedule training programs or provide information available training programs
 When there is available funds/grants/aids, SBGR will propose program for
channeling to SMEs or Service Provider itself
www.desainovasi.com
© Kindo21 - 2010 16

17. Phase 4 – Test Run (3 months)
 Start posting SME transactions: by online or in batch
 Mobilizing Kindo21 resources for mentoring  mentors shall not expect
payment at test run stage
 The purpose of test run is to check Service Provider readiness and gain
experiences in providing services to SME
– check whether the reports are correct (financial, production, sales, etc)
– check whether tax obligation
 Implement training programs to SME  in lining with government programs or
mentor idealism voluntary or purpose paid training programs to SMEs
www.desainovasi.com
© Kindo21 - 2010 17

18. Phase 5 – Franchising Replication (3 months)
 Seeking target franchisee  SBGR shall evaluate candidates’ service quality,
infrastructure & resources
 Sign up MOU with franchisee  specify their rights and obligations
 Train franchisee  provide initial training to reach specified standard
 Support and help franchisee  build up standard of professional culture
 Forms franchisee development circle  franchisees need to meet with SBGR
continuously to maintain quality and relationship and shares information
www.desainovasi.com
© Kindo21 - 2010 18

19. Phase 6 – Development (12 months)
 Use SME transaction to provide credit rating  SBGR engages an MOU with
banks and other capital lenders
 Use SME information to innovate and build up SME learning organization 
SBGR build up knowledge and expertise to innovate. In return the innovation is
used to develop SME member  SBGR hold the innovation right
 Encourage fair trade and other competitive edge labeling (ISO, GCG, etc)
 Seeking available grants/aids/government programs  SBGR will propose
program for channeling to SMEs and Service Providers
 Form SMEs development club  SMEs meet with SBGR with mentors, funders,
service providers, buyers, suppliers, etc
 Develop industrial/sectors standards
 Develop SOP for SMEs  assignment for mentors (consultants)
– Accounting SOP
– Production SOP
– Operation SOP
 Become tax channeling (tax collector) after getting significant SME members 
engage MOU with Ministry of Finance
 Become center for Merger & Acquisition and Business Match Maker
www.desainovasi.com
© Kindo21 - 2010 19

20. Principles
 Knowledge is Free, People are not  sharing knowledge, paying worker
 Information is precious  business match maker (information trade)
 Fair trade, not Free trade
www.desainovasi.com
© Kindo21 - 2010 20

21. Co-Exist
SBGR Parties
SME
member
Co-exist with Other Parties
www.desainovasi.com
© Kindo21 - 2010 21

22. Co-exist with Powerful Group
 Philosophy: co-exist  we shall live side by side and when possible hand in
hand
 Powerful group might have their own SMEs subsidiaries, which also became an
SBGR target.
 SBGR provides professional services and technical assistance, SME member are
the one that we help, including SMEs from Powerful Group or under influence
of Powerful Group. We help them to grow, as when they grow they will provide
better return to the Powerful Group.
 On the other side, we might seek their help (the Powerful Group) to open up
market for other SME members and secure their distribution lines and
channels.
www.desainovasi.com
© Kindo21 - 2010 22

23. Land
Seed Fertilizer
labor Market
Star fruit Philosophy
www.desainovasi.com
© Kindo21 - 2010 23

24. provide infrastructures
ICT for business growing
provide seeds
to be grown up
Fund Mentor
provide technology &
know how to fertilize
firm’s growth
provide labors
to work for
SME SBGR provide market
franchise with
SBGR labeled stores
Applied Star fruit Philosophy
www.desainovasi.com
© Kindo21 - 2010 24