Strengthening the Value Chain Resilience of Indonesian Agricultural Fintech in the Aftermath of the Covid-19 Pandemic

Abstract

Following the COVID-19 pandemic, the default rate for Indonesian agricultural fintech remained elevated at seven percent. Agricultural fintech companies and their farmers must develop a strategy for the agricultural fintech value chain resilience. This descriptive study aims to develop risk mitigation and recovery strategies for agricultural fintech in Indonesia. It uses a survey to gather data from fintech value chain actors, which is then analysed using the House of Risk model. The priorities are cash flow management, the minimum payment amount and leeway, the harvest price contract, the procurement of seed and fertilizer agro-inputs, and the harvest supply contract.