Implementation of Productivity Apps to Increase Financial Inclusion in Peer-To-Peer Lending Platform

Peer-to-peer lending (P2P lending) is growing rapidly in Indonesia in line with the advanced of digital technology. This new platform is expected to support the Indonesian government strategy in increasing financial inclusion. Although the new platform is easily accessible using the mobile phone, some Indonesians are still reluctant to use the apps by themselves. There is an urgent need of human touch to educate and give appropriate information about the system. The role of direct sales agents of the P2P lending platform is key to gaining the trust of the prospective borrower. The P2P lending platform must be able to develop and implement apps to monitor activities and increase productivity of its direct sales agent. The purpose of this research is to analyze the implementation of sales management activity apps to increase the productivity of the direct sales agent, simplify the application procedure, shorten the approval time, and finally increase the financial inclusion in Indonesia. The object of the research is MODALKU, one of the largest P2P lending platforms in South East Asia. The target user of the apps is all the direct sales agents who are approaching prospective borrowers from the ultra-micro segment market. The result of the research showed that the direct sales agents play an important role in educating the prospective borrower in using the technology and explaining the benefit of the loan application in supporting their businesses.