Case:

Jakarta, CNBC Indonesia $-$ Bad credit online loans $($pinjol$)$ peer to peer $($P$2$P$)$ lending does not only ensnare adults. To deal with this problem, the Financial Services Authority $($OJK$)$ is preparing provisions related to the repayment capacity assessment that must be carried out before facilitating funding to Fund Recipients in accordance with SEOJK $19/2023$ concerning the implementation of LPBBTI.

OJK's Chief Executive of the Supervision of Financing Institutions, Venture Capital Companies, Microfinance Institutions, and Other Financial Services Institutions Agusman also outlined several aspects that are checked regarding this repayment capacity through his written answer on Wednesday, $(3/4/2024).$ These aspects include the number of loans compared to the income of the recipient of funds, as well as restrictions on the number of loans that can be submitted to P$2$P lending fintech organizers.

"With these provisions, there should be no recipients of funds who do not have income who can receive funding $($loans$)$ in fintech P$2$P lending. Regarding the age limit$,$ it still refers to the provisions of the agreement as stipulated in the Civil Code," Agusman said. If there are young people who already do not have the ability to make payments on their pinjol debt, then the recipient of the funds can apply for restructuring to the P$2$P lending fintech organizer.

"Restructuring can be done in the event that the restructuring application has been approved by the Funder as the creditor," he said. Previously, OJK again developed regulations related to online loans $($pinjol$)$ in Indonesia. The regulation is contained in Circular Letter of the Financial Services Authority $($OJK$)$ Number $19$ of $2023$ concerning the Implementation of Information Technology$-$Based Joint Funding Services $($LPBBTI$)$ issued on November $10,2023.$One of the points in the regulation stipulates that debtors will only be allowed to borrow from a maximum of three loan sharks. The hope is that consumers can escape the efforts of digging holes to close pinjol holes. Organizers must pay attention to the ability to repay. P$2$P lending providers are required to provide risk mitigation facilities including working with insurance companies. The transfer of funding risk as intended can be done through an insurance or guarantee mechanism. The regulator said that fintech P$2$P lending must cooperate with insurance companies or guarantee companies that have business licenses from OJK in accordance with statutory provisions.

Answer the following questions based on the case study above

$1.$ What is the biggest problem that you find from the problem above? Make an Empathy Map of the problems in the article above! Score weight $20\%$

$2.$ Based on the Empathy Map that you have created, create a new Service$/$Product Business Idea that can overcome these problems using SCAMPER Theory! Score weight $20\%$

$3.$ Identify the Business Model Canvas of the Business Idea that you have created in number $2!$ Score weight $20\%$

$4.$ Design a strategy that you can implement to attract investors, as a step in business development! Score weight $20\%$

$5.$ Design a strategy that can be used by business founders to be able to increase the valuation of the business being run? Value weight $20\%$