{"id":14719,"date":"2024-09-26T16:26:09","date_gmt":"2024-09-26T09:26:09","guid":{"rendered":"https:\/\/businessupdate.id\/?p=14719"},"modified":"2024-09-26T16:26:13","modified_gmt":"2024-09-26T09:26:13","slug":"amartha-manfaatkan-ai-untuk-tingkatkan-kinerja-perusahaan","status":"publish","type":"post","link":"https:\/\/businessupdate.id\/?p=14719","title":{"rendered":"Amartha Manfaatkan AI untuk Tingkatkan Kinerja Perusahaan"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\"><strong>BusinessUpdate &#8211;<\/strong> PT Amartha Mikro Fintek (Amartha), perusahaan teknologi keuangan inklusif yang berfokus pada ekonomi akar rumput, memanfaatan teknologi <em>artificial intelligence<\/em> (AI) untuk menjaga kualitas portofolio yang sehat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Founder &amp; CEO Amartha Andi Taufan Garuda Putra optimistis Amartha terus berkembang karena tidak hanya fokus pada pertumbuhan, tetapi juga nilai jangka panjang dan keberlanjutan.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">&#8220;Selain pertumbuhan, Amartha fokus pada kualitas portofolio dan manajemen risiko yang prudent, membangun hubungan dengan institusi keuangan, dan tentunya mencatatkan keuntungan,&#8221; kata Andi Taufan saat menjadi pembicara dalam Dealstreet Asia PE-VC Summit 2024 di Singapura, dikutip dari siaran pers perusahaan, Kamis (26\/9\/2024).<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Andi, hal paling penting adalah memahami kebutuhan konsumen dan memberikan nilai lebih kepada mereka. &#8220;Amartha menempatkan kebutuhan <em>customer<\/em> sebagai landasan untuk terus berinovasi. Untuk itu, Amartha memanfaatkan teknologi AI (<em>Artificial Intelligence<\/em>) dalam melakukan penilaian profil risiko hingga pengelolaan portofolio,&#8221; katanya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Ia menjelaskan, sistem <em>risk-profiling<\/em> berbasis AI yang diterapkan Amartha menggabungkan lebih dari 90 indikator data. AI terlibat dalam proses verifikasi mitra, menentukan scoring, proses <em>match-making<\/em> untuk mempertemukan pendana sesuai <em>risk appetite<\/em>, hingga pengelolaan portofolio untuk mendeteksi kualitas setiap mitra.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Teknologi AI membantu Amartha dalam memahami kebutuhan segmen akar rumput, segmen yang pada umumnya sulit untuk mengakses layanan keuangan formal karena keterbatasan pengukuran profil risiko.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Dengan bantuan AI, Amartha juga dapat melakukan analisa pasar secara berkala, dan memberikan rekomendasi untuk keputusan yang lebih tepat.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">\u201cTeknologi kami memainkan dua peran, yaitu membantu mobilisasi modal dari institusi\/investor, sekaligus memberdayakan segmen akar rumput melalui pembiayaan dan kesempatan investasi,&#8221; lanjutnya.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Menurut Andi, secara kumulatif, Amartha telah menyalurkan pembiayaan lebih dari Rp23 triliun kepada 2,5 juta mitra di 73.000 dari 83.671 desa di seluruh Indonesia. Selama tiga tahun terakhir, Amartha juga selalu membukukan keuntungan dan berhasil menjaga tingkat <em>non performing loan<\/em> (NPL) di bawah 2%.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Hal itu juga berdampak bagi mitra Amartha. Pada 2023, sebanyak 67 ribu mitra Amartha dari kelompok ultra mikro berhasil naik kelas ke usaha mikro. Rata-rata pendapatan mitra Amartha pada 2023 juga naik 61,56%. Selain itu, mitra Amartha berhasil membuka lebih dari 85,000 lapangan kerja informal di desa. (ip\/jh. Foto: Dok. Amartha)<\/p>\n","protected":false},"excerpt":{"rendered":"<p>BusinessUpdate &#8211; PT Amartha Mikro Fintek (Amartha), perusahaan teknologi keuangan inklusif yang berfokus pada ekonomi akar rumput, memanfaatan teknologi artificial intelligence (AI) untuk menjaga kualitas portofolio yang sehat. Founder &amp; CEO Amartha Andi Taufan Garuda Putra optimistis Amartha terus berkembang karena tidak hanya fokus pada pertumbuhan, tetapi juga nilai jangka panjang dan keberlanjutan. &#8220;Selain pertumbuhan, [&hellip;]<\/p>\n","protected":false},"author":6,"featured_media":14720,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[48,80],"tags":[1096,7299,7300,1775,4082,735,388,5530],"class_list":["post-14719","post","type-post","status-publish","format-standard","has-post-thumbnail","category-finance","category-micro","tag-ai","tag-amartha","tag-fintek","tag-kinerja","tag-kualitas","tag-mikro","tag-perusahaan","tag-portofolio"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v19.5.1 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Amartha Manfaatkan AI untuk Tingkatkan Kinerja Perusahaan - Businessupdate.id<\/title>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/businessupdate.id\/?p=14719\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Amartha Manfaatkan AI untuk Tingkatkan Kinerja Perusahaan - Businessupdate.id\" \/>\n<meta property=\"og:description\" content=\"BusinessUpdate &#8211; PT Amartha Mikro Fintek (Amartha), perusahaan teknologi keuangan inklusif yang berfokus pada ekonomi akar rumput, memanfaatan teknologi artificial intelligence (AI) untuk menjaga kualitas portofolio yang sehat. Founder &amp; CEO Amartha Andi Taufan Garuda Putra optimistis Amartha terus berkembang karena tidak hanya fokus pada pertumbuhan, tetapi juga nilai jangka panjang dan keberlanjutan. &#8220;Selain pertumbuhan, [&hellip;]\" \/>\n<meta property=\"og:url\" content=\"https:\/\/businessupdate.id\/?p=14719\" \/>\n<meta property=\"og:site_name\" content=\"Businessupdate.id\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/profile.php?id=100088795961927\" \/>\n<meta property=\"article:published_time\" content=\"2024-09-26T09:26:09+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2024-09-26T09:26:13+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/businessupdate.id\/wp-content\/uploads\/2024\/09\/Andi-taufan-Amartha-e1727342377872.webp\" \/>\n\t<meta property=\"og:image:width\" content=\"1200\" \/>\n\t<meta property=\"og:image:height\" content=\"756\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/webp\" \/>\n<meta name=\"author\" content=\"Iyan Pahlevi\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:site\" content=\"@EnterpriseMse\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Iyan Pahlevi\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/businessupdate.id\/?p=14719\",\"url\":\"https:\/\/businessupdate.id\/?p=14719\",\"name\":\"Amartha Manfaatkan AI untuk Tingkatkan Kinerja Perusahaan - Businessupdate.id\",\"isPartOf\":{\"@id\":\"https:\/\/businessupdate.id\/#website\"},\"datePublished\":\"2024-09-26T09:26:09+00:00\",\"dateModified\":\"2024-09-26T09:26:13+00:00\",\"author\":{\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\"},\"breadcrumb\":{\"@id\":\"https:\/\/businessupdate.id\/?p=14719#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/businessupdate.id\/?p=14719\"]}]},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/businessupdate.id\/?p=14719#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/businessupdate.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Amartha Manfaatkan AI untuk Tingkatkan Kinerja Perusahaan\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/businessupdate.id\/#website\",\"url\":\"https:\/\/businessupdate.id\/\",\"name\":\"Businessupdate.id\",\"description\":\" \",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/businessupdate.id\/?s={search_term_string}\"},\"query-input\":\"required name=search_term_string\"}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/9f0dc243b4a81c67b3b44f67a90cfc5d\",\"name\":\"Iyan Pahlevi\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/businessupdate.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/73245f245eac6c11a32c1359ebe20b0f8067e842bd6d2423ac7dce9a4096ec60?s=96&d=mm&r=g\",\"caption\":\"Iyan Pahlevi\"},\"url\":\"https:\/\/businessupdate.id\/?author=6\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Amartha Manfaatkan AI untuk Tingkatkan Kinerja Perusahaan - Businessupdate.id","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/businessupdate.id\/?p=14719","og_locale":"en_US","og_type":"article","og_title":"Amartha Manfaatkan AI untuk Tingkatkan Kinerja Perusahaan - Businessupdate.id","og_description":"BusinessUpdate &#8211; PT Amartha Mikro Fintek (Amartha), perusahaan teknologi keuangan inklusif yang berfokus pada ekonomi akar rumput, memanfaatan teknologi artificial intelligence (AI) untuk menjaga kualitas portofolio yang sehat. 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