Solusi Digital

Ekosistem Digital To-Be — Arsitektur Terintegrasi 4 Produk

Foundation
82.780 Koperasi Desa Merah Putih — edge node operasional di seluruh Indonesia (~75% desa)
PP 2/2025
OS Kopdes OS
Platform operasional terpadu untuk 7 unit usaha — berjalan di setiap kopdes
POS Sembako Simpan Pinjam Klinik · Apotek Cold Storage Logistik · Kantor
📶 Offline-First 🔒 Data milik kopdes
SWOT: O2 Fintech/QRIS O4 Telemedicine
⇄
inventory sync
Chain Kopdes Chain
Jaringan pengadaan B2B kolektif — 82.780 kopdes sebagai collective buyer
82.780 kopdes → procurement engine → Bulog · BUMN · supplier lokal
GPS Fleet Cold Chain Visibility Farm-to-fork trace 15–25% savings
SWOT: O1 E-commerce rural O5 Carbon credit
SIMKOPDES API Standard
Lapisan interoperabilitas wajib semua platform — data OS/Chain mengalir ke Intelligence melalui API ini
Permenkop — pending
↓ federated aggregates — consent-based, no raw data leaves kopdes
Intelligence Kopdes Intelligence Analytics & early warning engine — B2G
Rp85–186T NPL risk
NPL Early Warning BEP Tracker Policy Dashboard Fraud Detection Credit Scoring Rural Supply Chain Intel
SWOT: O3 Data desa = aset nasional
↓ policy analytics, NPL alerts, anggaran berbasis kinerja
Kemenkop
Policy Dashboard Nasional
Himbara
NPL Monitor · Credit Scoring Rural
Bappenas · Kemendesa
DAU/DBH berbasis kinerja kopdes
Academy
Kopdes Academy
LMS rural offline-capable — 330K operator dalam 24 bulan · gap 295K saat ini
↑ OS operators ↑ Chain managers ↑ data stewards