Assessment and Feasibility of Digital Receivables Financing Platform in Indonesia Tender

Procurement Summary

Country: Indonesia

Summary: Assessment and Feasibility of Digital Receivables Financing Platform in Indonesia

Deadline: 07 Aug 2025

Other Information

Notice Type: Tender

TOT Ref.No.: 123619114

Document Ref. No.: 0002017565

Financier: World Bank (WB)

Purchaser Ownership: Public

Tender Value: Refer Document

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Tender Details

Creditgrowth is vital to economic development, enabling businesses, particularlyMSMEs, to invest, expand operations, and generate employment. MSMEs arecritical to Indonesia-s economy, contributing close to 60% of GDP and employingover 95% of the workforce. Yet MSMEs face a persistent credit gap of US$234bnas of 2023, driven by risk perceptions and collateral limitations. Only 19% ofbank loans were extended to MSMEs in 2023. Accessto Finance by receivables and inventory such as [1]SupplyChain Finance (SCF) is vital for MSME liquidity. This requires modern securedtransaction laws, operational collateral registries, and institutionalrecognition of receivables as collateral. Promoting Asset-Based Lending (ABL)through movables assets particularly receivables and inventory cansignificantly improve MSME liquidity, enhancing resilience and supportingeconomic growth. In mature markets, lending secured by movable assets canaccount for 60-70% of total commercial lending. IFCrecently launched the Indonesia Lending Growth (Indo LendGrowth) Program. Under thisprogram, IFC aims to unlock broader credit growth in Indonesia through securedtransactions financing using receivables including SCF - where it has alreadylaid foundational work - as critical. Ultimately, IFC plans to partner withfinancial institutions in Indonesia to conduct a demonstration transactioninvolving SCF using receivables, through funded/unfunded risk-sharing facility ina portfolio of supply chain finance-related assets. Aspart of the program, IFC intends to carry out comprehensive assessment andfeasibility of a digital receivables platform to understand the potential forsecured transactions financing using receivables to further promote access tofinancing for MSMEs aligned with the country-s priorities. The objective of thisassessment is to:(1) Quantify the potential financing opportunity fromreceivables-based lending for MSMEs.(2) Understand the key factors needed by FIs, includingdigital players, to expand SCF...

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