"Saksikan tayangan kami Official Youtube IDX Channel di Program Power Breakfast, Jumat (27/09/2024) dengan Tema Buru Properti Impian dengan Mudah dan Praktis."
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00:00Thank you so much for being with us. I'm Priscilla Sompodato and this is my friend.
00:09Wiki Adrian and this time we're going to talk about...
00:12A very interesting topic, of course.
00:14...property dreams with ease and practice through startups.
00:17We've started the video conference.
00:19We have Mrs. Josephine Petra Lovenza, founder and CEO of Secha Home.
00:23How are you, Mrs. Josephine?
00:25Hello, how are you?
00:27Hello, thank you for joining.
00:30Thank you for inviting me.
00:33Yes, Mrs. Josephine, if from your perspective...
00:36...what are the obstacles when people want to buy a house?
00:40Price, number one, Wiki.
00:44Okay, the first thing is definitely the price.
00:47Because now, I think the price of a house is not like in the past.
00:50The 1M feels like a big industrial house.
00:53And besides that, most people after buying a house...
00:57...they have to furnish it.
00:59Or if they buy a second house, they have to renovate it.
01:02So the biggest problem, besides the house being bought...
01:05...is how to make the house move-in ready.
01:08So I think that's the biggest problem in society right now.
01:12Okay, so if you want to buy a new house or a second house...
01:18...you just want to make it easy, just bring your body.
01:21Something like that, right?
01:23Yes, that's right.
01:24So what is the solution offered by Seca Home?
01:28From Seca Home itself, we are tackling the problem of people buying a house...
01:33...until they want to move in.
01:36So actually the main service from Seca Home...
01:40...is providing move-in ready homes.
01:43So we help with furnishing...
01:46...help with how to leave the house within 3 months...
01:52...and we also provide financing.
01:54Because the most difficult thing for people after buying a house...
01:58...is how to find the money to furnish their house.
02:03So what we are doing, people always think of us as...
02:07...the extended personal assistant for their move-in...
02:10...and also to get the house they want.
02:12So that's pretty much what we offer to people.
02:15Okay, so from the process from the start, can you describe...
02:18...for example, if I want to find a house...
02:20...the process is assisted by Seca Home.
02:23What is it like from step by step?
02:26Okay, so when people buy a house, they usually go to the agent.
02:30So Seca Home too, because we know that...
02:33...the property market, the property sector itself in Indonesia...
02:36...is also dominated by property agents.
02:39So we also have a property agent partner.
02:41So usually there are two ways.
02:43Customers go to our website, to our channel...
02:46...or directly to the agent.
02:48Because we have a few agents who have become Seca partners.
02:51From there, as usual, they will look for a house...
02:54...what kind of home they want, budget...
02:56...and then when they have to move...
03:00...and also all the criteria that they want...
03:03...if they want to buy a house.
03:05And then afterwards, it will be directly entered...
03:08...and given to us for...
03:10...what is it called...
03:12...a renovation plan if it's a second house.
03:15If it's a primary house...
03:18...it will give a plan of what the furnishings are like.
03:21So from Seca itself, we will help to calculate...
03:24...from the price of the house, plus also with...
03:26...let's say, what is the price for the furnishings...
03:30...then what is the price for renovation...
03:32...that's what we calculate to make it one.
03:35Because most people want to go straight to the agency or bank.
03:39So we help together with the agent...
03:41...how to get the property that they want...
03:44...plus with the price...
03:46...what is it called...
03:48...for the move-in ready...
03:49...is offered to the bank.
03:50After they are okay, we get the payment...
03:53...we will do the work...
03:55...and if they want to take the financing...
03:58...we will throw it to our lending partner.
04:01So we help to calculate what the simulation is like...
04:05...and after that, what will it be like...
04:07...for the renovation plan.
04:08So in three months, we can move in to a new house.
04:13Ms. Josephine, what does the competition map look like?
04:18Or do you see that it's not too significant...
04:21...remembering that the market is also very wide...
04:23...the need for a house is also...
04:24...the information to choose a house is also still large...
04:27...so you still need a Seca Home, or what?
04:33In terms of competition, in the property market...
04:36...there are already a lot...
04:38...but what we see is...
04:40...property is a fragmented solution...
04:43...either they only provide the marketplace...
04:46...the renovation fund...
04:47...or maybe only financing...
04:49...or to help KPR...
04:50...meanwhile, people now...
04:52...especially people who live in Jakarta...
04:54...they are already busy...
04:55...to take care of buying a house...
04:56...it has become a nightmare for them.
04:58So Seca Home...
05:00...we don't see that we compete with...
05:02...the old players...
05:03...but we actually help...
05:05...how to help them get leads too...
05:08...and help us to streamline the process...
05:11...for the customer.
05:12So we see that the competition is there...
05:16...but Seca Home itself...
05:18...our products are divided...
05:21...so there are pre-purchase, purchase, and post-purchase...
05:24...so actually with the existing partners...
05:27...we can work together on each part.
05:30Yeah, the collaboration...
05:32...we never really see that kind of thing...
05:34...as a competition.
05:35Starting from purchasing, renovation...
05:37...what else, ma'am?
05:39Financing.
05:40Funding.
05:41Indonesia is famous for that.
05:43Okay, about funding...
05:45...are the partners...
05:47...in Seca Home's platform...
05:49...partners in Seca Home's platform...
05:51...or are there other lending partners...
05:53...and how is it with Bunga?
05:54Do they compete?
05:56Right now, we're still with the lending partners.
06:00With Bunga, it's a bit complicated...
06:03...but we're in the process of integration...
06:05...more for us to channel their KPAs...
06:08...especially for renovation...
06:09...and also for KPR.
06:11Right now, Bunga is competing...
06:13...because we're in for an unsecured lending...
06:15...not a lending that...
06:16...if most people want to renovate...
06:18...or borrow for a larger platform...
06:23...they need to be guaranteed.
06:25While we see it...
06:26...because it's assessed from the credit scoring...
06:28...and we also see it from the renovation project.
06:31So, actually...
06:33...it doesn't have to be difficult...
06:37...because we also prioritize the lending...
06:39...according to...
06:41...how the house will be renovated.
06:43Because most people now...
06:46...okay, let's say they take KTA...
06:48...or they take from other loans...
06:50...let's say a deposit of 100 million.
06:52While they don't know...
06:54...how much the renovation will cost.
06:56Well, that's actually one thing that...
06:59...let's say...
07:00...it's difficult for the customer...
07:02...and also for the lending partner...
07:03...because there's a high default rate.
07:05Because if it's renovation...
07:06...we know the construction...
07:07...the work must be added...
07:10...because they just borrowed...
07:11...then they just made it with the contractor...
07:14...well, that's mostly what we bridge.
07:16So, if it's with us...
07:17...we immediately issue the RRB...
07:19...the RRB will be the basis...
07:21...for them to issue the loan.
07:23So, there's no more...
07:24...the addition...
07:26...that we didn't...
07:28...we didn't count from the beginning...
07:29...it's all included later, right?
07:31So, it's more...
07:33...more efficient.
07:34More curious, right?
07:36Yes.
07:37Okay.
07:38We still have one segment...
07:40...we will continue in the next segment...
07:41...and we will be right back.
07:43Still talking with...
07:45...Mrs. Josephine Petralovenza...
07:47...founder and CEO of Seca Home...
07:49...which is a platform...
07:51...for renovation...
07:53...and also refurnishment.
07:55Well, you said that...
07:56...for example, Wiki...
07:57...wants to renovate an apartment...
07:59...private property, for example...
08:01...it can be done through Seca Home...
08:03...through a loan.
08:04Well...
08:05...does Seca Home cooperate with banks...
08:08...or how?
08:10Okay.
08:11For Seca Home itself...
08:12...we are still a lending partner.
08:14So, we don't...
08:15...the loan doesn't go to Seca Home...
08:16...but we as a channel partner...
08:18...for the loan.
08:20Channel partner, right?
08:21Channel partner.
08:22So, we are not...
08:23...the fintech itself...
08:24...but we are more into...
08:25...channeling the loan.
08:27Because later...
08:28...there will be a meeting with OJK.
08:30Yes.
08:31Okay.
08:32The flowers...
08:33...you said they are competing...
08:34...what is the range of the flowers...
08:35...Mrs. Josephine?
08:37The range of the flowers...
08:38...1.5% to 2% per month...
08:40...normal...
08:41...for monthly loan.
08:44If we want to offer...
08:45...there is a guarantee...
08:47...that I will be able to pay it...
08:49...or how?
08:50If from us...
08:52...actually what we are trying...
08:54...is more taken from the credit scoring...
08:56...of people who will borrow...
08:57...and also added with...
08:59...property that will be renovated.
09:01So, we see from the scale of the renovation...
09:04...the complexity of the work...
09:06...so that also shows...
09:07...that it won't...
09:08...what is it called...
09:09...default...
09:10...or let's say...
09:11...suddenly the project is bankrupt...
09:13...and we also take...
09:14...indeed for now...
09:15...for the house that belongs...
09:17...if renting...
09:18...because there are more involved...
09:21...so...
09:22...that's the main baseline...
09:24...for now.
09:25Okay, so far...
09:26...how many consumers have been helped...
09:28...by Seca Home?
09:30Now we mostly...
09:32...work with...
09:34...either direct agents or developers...
09:36...so for people who mostly...
09:38...finished...
09:39...so...
09:40...about 10...
09:42...now because this is a product...
09:44...actually new...
09:45...we initially...
09:46...united renovation...
09:47...integration for APR...
09:49...but this product...
09:50...really just launched...
09:51...3 months ago...
09:52...and...
09:53...turns out it's...
09:54...well-received by the community...
09:56...maybe because it helps...
09:57...for...
09:58...what was it...
09:59...how it renovates...
10:00...not dizzy...
10:01...and also for agents and developers...
10:02...it makes them...
10:03...can close faster.
10:04Oh, in the long run...
10:05...can become super apps...
10:06...for property...
10:07...yes...
10:08...there must be challenges...
10:09...yes...
10:10...what are the challenges...
10:11...especially in...
10:12...in the technology...
10:13...first...
10:14...technology...
10:15...actually...
10:16...if in terms of product...
10:17...development...
10:18...not much...
10:19...because it's very...
10:20...straightforward...
10:21...but now...
10:22...buyers...
10:23...mostly...
10:24...age...
10:25...variable...
10:26...and...
10:27...also our users...
10:28...are property agents...
10:29...or direct developers...
10:30...well...
10:31...the problem in Indonesia...
10:32...is...
10:33...if people want to buy a house...
10:34...still bypassed via WhatsApp...
10:35...so...
10:36...now we...
10:37...how...
10:38...how to build a product...
10:39...that really...
10:40...on the tech side...
10:41...efficient...
10:42...and also scalable...
10:43...but also...
10:44...easy to accept...
10:45...even...
10:46...50-year-old mothers...
10:47...because...
10:48...buyer of property...
10:49...not all of them...
10:50...tech-savvy...
10:51...mostly maybe...
10:52...the 45 and above...
10:53...maybe if they have to...
10:54...submit directly...
10:55...to the platform...
10:56...it's a bit difficult...
10:57...because...
10:58...the efficiency itself...
10:59...why we are easy...
11:00...compared to...
11:01...other contractors...
11:02...or also...
11:03...the old way of a renovation...
11:04...is...
11:05...it can be as simple as...
11:06...to get a picture of renovation...
11:07...about...
11:08...what to renovate...
11:09...and...
11:10...after that is...
11:11...they submit a photo...
11:12...of the room they want to renovate...
11:13...to our platform...
11:14...in 3 days...
11:15...it will be out...
11:16...about...
11:17...the renovation plan...
11:18...and...
11:19...also...
11:20...the budget...
11:21...that is...
11:22...actually...
11:23...what we help...
11:24...in the past...
11:25...we have to site visit...
11:26...have to make a promise...
11:27...have to...
11:28...everything...
11:29...so...
11:30...by taking a picture...
11:31...in 3 days...
11:32...we can get...
11:33...the proposal of renovation...
11:34...plan...
11:35...alright...
11:36...target...
11:37...or...
11:38...long-term...
11:39...Josephine...
11:40...briefly...
11:41...in the short term...
11:42...we want to...
11:43...integrate more...
11:44...landing partners...
11:45...especially banks...
11:46...because...
11:47...we help banks a lot...
11:48...so they can channel...
11:49...the loan...
11:50...and also for customers...
11:51...they will get...
11:52...a bigger platform...
11:53...so that's the...
11:54...in the short term...
11:55...to reach...
11:56...a bigger market...
11:57...and also...
11:58...get...
11:59...a bigger volume project...
12:00...when is the profit target...
12:01...Josephine...
12:02...or is it already profit?
12:04...profit...
12:05...in the next 2 years...
12:07...2 years more...
12:08...2 years more...
12:09...yes...
12:10...alright...
12:11...success...
12:12...for Seca Home...
12:13...and hopefully can integrate...
12:14...between...
12:15...bank...
12:16...agent property...
12:17...and everything...
12:18...anyway...
12:19...stakeholders from...
12:20...property in Indonesia...
12:21...thank you for joining...
12:22...success for you...
12:23...Mrs. Josephine...
12:24...see you...
12:25...alright...
12:26...thank you...
12:27...we will be back...
12:28...update...
12:29...or movement from...
12:30...IHSG...
12:31...at...
12:32...9.27 PM...
12:33...West Indonesia time...
12:34...or 28 minutes...
12:35...West Indonesia time...
12:36...IHSG so far...
12:37...22%...
12:38...level 7673.108...
12:41...with 72 points...
12:43...and exchange rate...
12:44...to US Dollar...
12:45...also...
12:46...this is the opposite...
12:47...increased to 15124...
12:50...or increased to 0.24%...
12:53...next...
12:54...greetings to viewers...
12:55...who become gainers...
12:56...based on value...
12:57...among others...
12:58...there is Merdeka Cooper...
12:59...still holding...
13:00...since opening at 9 o'clock...
13:01...with an increase of about 2%...
13:02...at 2640...
13:03...Pani or...
13:04...Pantai Indah Kapok 2 TBK...
13:06...increased to 2% at 12,050...
13:08...there is PYFA...
13:09...Antam...
13:10...BSBK...
13:11...ADMR...
13:12...Toba...
13:13...CTRA...
13:14...MAPI...
13:15...and also PNLF...
13:16...gold-based stocks...
13:17...today also dominated...
13:18...MDKA and Antam...
13:19...top losers...
13:20...there is BBCA...
13:21...Bang Mandiri...
13:22...then there is also...
13:23...AMMN...
13:24...Telkom...
13:25...Brand BBNI...
13:26...Astral International...
13:27...SMEL...
13:28...TBI...
13:29...TMG...
13:30...yeah...
13:31...7 of these are...
13:32...stocks...
13:33...largest market cap in the stock market...
13:34...so...
13:35...MDGA dropped almost 1%...
13:36...this morning...
13:37...yeah...
13:38...that's it for today's short review...
13:39...the market reached 9.29 AM...
13:42...West Indonesia time...
13:43...and it doesn't feel like 90 minutes...
13:45...we accompanied you...
13:46...in Power Breakfast...
13:48...hopefully today's discussion...
13:49...can be a reference and source of information for you...
13:51...stay updated...
13:52...only on IDX Channel...
13:53...your trustworthy and comprehensive investment reference...
13:56...and don't forget to watch...
13:57...Market Review program...
13:58...which will air at 10.00 AM...
13:59...West Indonesia time...
14:01...because future affairs...
14:02...must be ahead of me...
14:04...I'm your investor...
14:05...Frisa Sompodato...
14:06...I'm Adrian...
14:07...see you next time...
14:34...outro music...