Sagara Asia Blog

Author: Sagara Technology

Why You Should Use AngularJS For Your Front-End Development

If you haven’t tried AngularJS yet, you’re missing out on why people say JavaScript is the most flexible language in the world.

Most frameworks nowadays are simply a bundling of existing tools. They are an integrated toolset, but not very elegant. AngularJS is the most preferred framework for creating interactive components of a website. It was designed as a full-featured JavaScript framework to enhance simplicity and efficiency. Developers find this framework very effective especially in creating dynamic, single-page apps, and supporting MVC (Model View Controller) programming structure. As the business environments become highly competitive, it has emerged as a superhero because of its intuitiveness and rich features.

Why is AngularJS so popular?

By giving a wide range of functionalities, features, and benefits, AngularJS Framework has gained an amazing admiration for itself. So, these positive points have made it extremely popular for building web applications entering as a most useful service for front-end development. It is also rewarded in the list of top programming languages.

AngularJS is a superior framework by Google launched in 2009, which is created to make the front-end development procedure easier to manage. So, despite the countless plugins and frameworks obtainable in the marketplaces, website owners pick that development services because of their advanced features.

The main features of AngularJS

The main reason that AngularJS has gained a lot of popularity is its unique features. The features make app development easy and result very intuitive. These features include:

Two-way data-binding: Data binding is one of the most notable AngularJS features. This feature helps save the developer from doing a lot of coding. In any app, 80% of the code base is dedicated to manipulating, traversing, and listening to DOM. However, data-binding in AngularJS helps to reduce the work so that the developer can concentrate on the app.

Ready to use templates: The AngularJS is simply plain HTML. The browser parses these templates into the DOM and transforms them into the AngularJS compiler. Then, the AngularJS Framework traverses the templates to get rendering instructions called directives. The ready-to-use templates make it easy even for people with little computing skills to come up with great apps.

Dependency injection: This is an essential feature in AngularJS that makes the developer able to ask for dependencies as opposed to making them on his own. Think of this feature as a way of saying I need X and not starting to make X.

Testing feature: The AngularJS developer team worked with a special focus on testability in mind. This means that you can easily test apps.

Pros of Angular apps

The regular Angular updates have particularly made developers, and users get a special attachment to their apps because of enhanced security and features. Here are additional pros of Angular apps.

Time-saving: Projects that previously used to take many months with other frameworks can now be completed faster with AngularJS. All that framework requires is splitting the app into several MVC components. From there, the framework takes over because you do not require additional coding.

The app is easy to learn and get started: Getting up and running with that is perhaps the simplest thing a developer can imagine. Simply include some attributes into the HTML, and you can complete the first app in a couple of minutes.

Data Binding in AngularJS is very easy: Can you remember trying to create a text property on a model that requires binding to your app UI? It is very difficult with most frameworks. That stress has been eliminate in this. In fact, you can see the ultimate results as you type in the span.

A declarative expression of UI: Because a UI with AngularJS is fully structure, understanding and manipulating the components is very easy. Even though designers are not developers, they can also easily learn markups. This means that the declarative expression of the app User Interface will make more sense for the entire team.

Affordability: Because AngularJS is an open-source framework, developers can come up with custom apps at lower costs.

The fast-evolving business environment demands that investors and managers take a proactive approach to meet the market demand. Because of their crucial role in linking your business, service, or product to the target market, front-end apps are the ultimate tools to help you win the target market and outdo the competitors. To come up with top-notch apps, you could contract an AngularJS development company or hire an AngularJS developer. Picking the right AngularJS development services provider will help you to get customize apps and guarantee faster business progress. With AngularJS, you can never go wrong.

Consult Now with Sagara!

May 6, 2021
Get to Know How P2P Lending Works and Benefits in Indonesia
Peer-to-peer lending is a new investment instrument that is present in Indonesia. This type of investment, which is also known as P2P Lending, was born because of the development of digital technology. Because that’s where P2P Lending is included in Financial Technology (FinTech).

How does P2P Lending Works?

Peer-to-peer lending is a medium that brings together borrowers and lenders so that online lending and borrowing activities occur. For this reason, P2P Lending can be seen from two sides, both from the borrower and lender sides.

From the borrower or browser side, P2P Lending is an alternative lending platform. The borrower in question can be anyone depending on the focus of each company.

There is also P2P Lending which provides loans to people who need loans for productive purposes . For example, a browser is a micro-business entrepreneur, who needs capital for business.

you can read PEER-PEER In Wikipedia

Advantages of P2P Lending for Borrowers

As previously explained, P2P Lending is an alternative for micro-business entrepreneurs to develop their business. Here are some of the advantages of P2P Lending for Borrowers :
1. Easier loan terms
2. Faster process
3. Helping the development of micro-business in Indonesia
Are you ready to invest with P2P Lending?

Before investing make sure you’re already addressing possible financial risks that may exist. That way, your investment can be smooth. Easy, you can register yourself for insurance online.

Besides being easy and affordable, you can get various types of protection that are useful to help you fight unexpected risks financially. For beginners, just choose life or health insurance that suits you. You will also feel safer and more comfortable investing.

Consult Now with Sagara!
May 4, 2021
Tips for Setting Up a Startup from The Korean Drama “Startup”

From the Korean Drama Startup story, there are a number of business tips in building a startup technology. Anything?

Prepare a Business Model

No matter how sophisticated your startup technology-based service is, if you don’t have a business model, it will be difficult to attract investors. Especially if you really start from scratch and have no relationship. Not only that, the business model must have a clear source of income.

Choose a Competent CEO

The CEO plays an important role in startup development , especially when it comes to attracting investment – that’s the lesson in the Startup drama . Because the CEO is the one who will explore the investment agreement with the potential investors.

It doesn’t have to come from the technology or service fields that your startup is making. The important thing is that he has qualified abilities, such as being able to see business opportunities, being adaptive, persuasive, and being able to make decisions by considering all risks.

Enter the Competition

In addition to preparing a business model, early stage startups should participate in various competitions. Not only to get prizes, but also to expand relationships as well as find potential investors.

Join the Incubator / Accelerator Program

Joining an incubator or accelerator program can also help you build a startup . In the program, you will acquire various business knowledge, create service prototypes, and have the opportunity to meet potential investors, while receiving assistance from mentors.

Compile the List of Shareholders Wisely

In the Korean drama Startup , the character Han Jipyeong, who works as an investor, suggests that the Samsan Tech startup should not share the company’s shares equally. In the early stages, it’s good that the percentage for CEOs is greater than for the rest. Because, in the future, if there are new investors, the company will have to sell a number of shares according to the agreement.

Study the Investment Contract Well

When investors interested in investing in your startup get to the negotiation stage, you need to study the contract carefully before agreeing to it. If there are things that you think are detrimental to the company or team, then discuss them in negotiations with potential investors; so that both parties benefit .

Continue to Research and Innovate

Innovation can differentiate your product from competitors. In fact, you can even give birth to new products from research-based innovation.

If the product is mature, take part in the tender

When your products and business model are stable and get recognition in the industry, participating in tenders can be one way to develop a startup business . Moreover, if the tender is on a large scale. However, don’t forget to also consider your startup capabilities , huh.

Scale Up

If you think your startup is ready to scale the business, open funding round to attract new investors. Don’t forget to set a nominal target for your startup funding round.

Consult Now with Sagara!

May 4, 2021
Clever in Using Digital Technology

The digital is so fast that it has decreased employment, especially in labor-intensive activities. On the other hand, advances in information technology open up many new business opportunities. This is the nation’s challenge in welcoming the demographic bonus. Do not let us be only passive consumers or users, but instead must prepare ourselves as inventors of new businesses in the field of information technology and use them for productive purposes.

Population growth in Indonesia in terms of skills and technological literacy

According to the Badan Pusat Statistik (BPS), population growth in Indonesia will continue to increase until by 2035 the population is predicted to reach 305.6 million people, 70 percent of which are of productive age. With the number of qualified human resources in terms of skills and technology literacy, this nation will really get a bonus.

The capital is in hand already. Currently, Indonesia is not a country that is lagging behind in terms of information technology. Regarding ownership of the latest gadgets, Indonesia is a very potential market. Our society, which is still carried away by fashion, always follows the latest developments in the means of production.

Regarding the ability to master technology, we are not left behind in other countries. One example is information from the Security Incident Response Team on Internet Infrastructure which states that Indonesia ranks first as the country with the highest number of hackers followed by China, the United States, Taiwan, Turkey, India, and Russia.

Indonesia will only be a market for digital gadgets and devices

Likewise, this nation will only become a market for gadgets and other digital devices as long as there is no industry in that field that is built. We are only consumers, not producers.

The other side of welcoming the demographic bonus through digital technology is in terms of regulations. One example is the rules regarding the creative industry.

The opportunity to earn income through digital technology is now increasingly wide open. One example, a video uploaded on Youtube is watched by millions of pairs of eyes, a person can earn up to billions of rupiah per month.

In this case, the government needs to provide channels and facilities so that the creative industry through technological devices can contribute to economic growth.

The presence of creative young people using social media such as Youtube when it needs to be regulated so that creativity does not die in the middle of the road, but also does not violate international standard rules.

Consult Now with Sagara!

May 3, 2021
AI in Smart City: The Case of Jakarta

Jakarta – AI in Smart City has been a thing for a while. Regarding to that, the Sagara Technology team had the opportunity to hold a talk show entitled Sagara x Leader with an important figure, namely Yudhistira Nugraha.

Talk Show Sagara Technology

He has completed his doctoral studies at the University of Oxford, and now he plays an important role in contributing to building the implementation of Artificial Intelligence in Jakarta with an institution, namely Badan Layanan Umum Daerah Jakarta Smart City.

Yudhistira Nugraha

Jakarta Smart City

In order to deliver the public complaints, Jakarta Smart City provide reports in the form of public complaints to the government. Over time, the concept of “Smart City” focused not only on technology and a command center. However, the essence of a smart city is how to build an ecosystem. To carry out ecosystem development, it must be done with the concept of smart city 4.0 which began in 2015, this concept is tailored to the needs of the community with a design thinking approach and a system thinking. Smart cities talk about 3 goal values, namely quality of life, economic growth, and sustainability.

The ecosystem in the smart city concept does not only rely on the government but there must be collaboration in good participation with the public regarding awareness of the problems in Jakarta.

Smart City is not only about technology but about a good collaborative ecosystem between the government and the community. However, technology is also a component to help effectiveness in the development of smart cities. Innovation and happiness for the community. However, the concept that is mean by innovation is a concept that must cover 4 things, namely; Unique, Useful, effective, and scalability.

Innovative can continue to adapt to solving problems in Jakarta. The following are areas of innovation Jakarta Smart City have been and are currently doing:

1. Jakarta Smart City Institutional innovation

Since 2020 Jakarta Smart City has changed its status from a Unit Pelaksanaan Teknis (UP) to a Badan Layanan Umum Daerah (BLUD), meaning that there is institutional innovation. When he became a Badan Layanan Umum Daerah (BLUD), Jakarta Smart City had the flexibility to work with anyone who could create an ecosystem in Jakarta. Second, as a BLUD Jakarta, Smart City has flexibility in terms of statehood.

2. The Regulatory innovation

The regulatory innovation that is being implemented is AI. From this innovation, we must look at the cases that need to be implemented. Furthermore, how can this AI concept be channel and carry out to the regions? So, this regulatory innovation is important to encourage the use of AI in helping to increase efficiency in terms of public services.

3. Innovation funding in Jakarta Smart City

This innovation is very important because to build the Smart City concept does not only depend on the APBD but there must be creative financing innovation with the KPBU scheme and this is a new scheme that is still learning to be a good implementation.

Then when talking about smart cities, technological innovation also has an important role as an example of Artificial Intelligence (AI). The existence of AI in Smart City can help problems in society. For example, in China, some cameras can reconcile people and can help the government in detecting crime. And Jakarta has also implemented AI in detecting violations of 3M regulations during a pandemic. Therefore, AI can be a momentum of the development of smart cities.

May 3, 2021
How Digital Transformation Changes Your Business.

Jakarta – At this opportunity, the Sagara Technology team had the opportunity to hold a talk show entitled Sagara x Leader with Muhammad Suhada as VP IT Blue Bird Group. He has experience in software development.

Talk Show Sagara Technology

Digital transformation is not about the technology but includes 3 pillars. First, organization & culture must be prepare to be ready for transformation. Second, infrastructure in applying or carrying out the transformation. Third, innovation or results that are created to complete the conditions is known as Transformation.

Muhammad Suhada

The Problem

Blue Bird company is not a digital native company that is already 49 years old. So, adopting technology is also difficult because you have to update the existing culture.

The problem of transformation in Blue Bird products is also about culture because there are differences of opinion in the background of thinking. There are some who think that future innovation is very important and too focus on this and others discuss more problems that must be solved for Blue Bird products.

And another obstacle is overcoming the stigma in society about digitization in Blue Bird companies. The way to overcome this stigma is to transform the Blue Bird product by relying on digital marketing. For example, in the past, Blue Bird did not have a marketing department because it was thought not important, but for now, all aspects of marketing have been strengthened. Second, analyzing data from products and trying to improve existing deficiencies, for example preparing the MyBaby Blue Bird application using the latest technology with a focus on user experience.

How Important Digital Transformation Is for Companies

Then, regarding how important digital transformation is to the company, according to him. Now is a completely digital era. If it is too late to adopt digital in a company it is very fatal.

Hope for A Millennial Role

And lastly is his hope for a millennial role when he goes into the business world. Changes from the perspective of transformation in all fields, especially in the field of technology, and can continue to change the world with innovative thoughts from millennials in the aspects of development and industrial progress.

Read also more Sagara’s article here.

May 3, 2021
Fintech Encourages for Indonesia’s Economic Ecosystem Growth
Jakarta – This time, Sagara Technology and Leaders held a live talk show via Intagram namely Sagara X Leader. Live with the theme “Fintech Encourages the Growth of Indonesia’s Economic Ecosystem”. The speakers this time are Timotius Rinaldo as CTO of Koinworks and Joshua A Dharmawan as Co-Founder of Espay.

Talk Show Sagara Technology

KoinWorks

Koinworks is a brand of PT Lunaria Annua Teknologi, which is a money lending service provider that based on information technology. Peer to Peer (P2P) Fintech Lending Indonesia which is officially registered with the Financial Services Authority (OJK).

Espay

Espay is a payment platform brand in accordance with its commitment to provide easy payment service solutions for its partners. With the Payment Gateaway system, the party that connects the merchant with the bank/source of funds. So that merchants can accept payments via credit cards, direct payments, electronic money, etc.

Their Opinion on Fintech Encourages in Indonesia’s Economy

On the occasion of this talk show, discussing the opinions of each speaker regarding the problem of the Indonesian economy. However, the role of financial technology (fintech) and collaboration with banking, it can encourage the Indonesian people and the Indonesian economy to immediately revive.

The main point to remember with the current economic problems in Indonesia for the fintech sector is the need for education so that the public is more familiar with financial services in Indonesia. In addition, there must be a regulation for fintech to produce digital financial innovations that are responsible, safe, prioritize consumer protection, and have well-managed risks. All of that are needed to ensure the fintech encourages in Indonesia’s economic ecosystem is optimized.

Timotius Rinaldo (CTO Koinworks), as someone who is 15 years old in the field of Trading, Finance, and Digital Payment. Koinworks, which is the organizer of Peer to Peer Fintech lending, is currently receiving positive feedback. Which includes education for users and regulations for the authorities. Most of the goals of KoinWorks is also to help hamper the economy and finance of UMKM, especially during the current pandemic.

Meanwhile, Espay is in payment gateway sector, which makes Espay payments is the market and the bank. Also focuses on corporate business and does not only focus on E-commerce. Espay covers corporate and UMKM as well, so Espay’s coverage is quite broad.

There are several things to carried out by Koinworks that makes UMKM helped by the existence of Koinworks :
1. Tries to help provide easy financial access.
2. Fulfills your seamless and contactless financing needs.
3. Koinworks provides loans that are conducive to UMKM, supported by complete digital information.
4. Koinworks also ensures that the funds in Koinworks remain safe because, for OJK and Bank Indonesia always directly monitoring them.
Their Roles

As a fintech industry with encouragement from BI & OJK, Espay’s fintech encourages in Indonesia’s economy is manifested in its role as a Payment Gateaway. Espay runs it with a hope of how Espay can make Indonesians smart in managing finances and business. “If you look at a glance. The population of using accounts in Indonesia, there are not many people, maybe around 50% have joined the bank. The reasons are many, maybe because it is pretty much complicating, and they don’t know much about technology”. Joshua’s response as Espay’s Co-Founder is also someone who has been in the field of Information Systems since 2013. However, according to Espay, the government is actually opening it as wide as possible. So, fintech can contribute but on the other hand fintech also emphasizes the safety of consumers and their personal data.

For Koinworks, their role starts from complying with regulatory regulations by the authorities to ensure usage data, consumer complaints, etc. And with fintech, Koinworks can reach a wider range of people and educating them via the internet. Koinworks also conducts education to increase awareness of Indonesian consumers on all matters related to finance and technology.

Timotius and Joshua also agree that in the future there will be cooperation between the Fintech Industry which specializes in Peer to Peer Lending and Payment Gateaway. Koinworks, “We are a member of Indonesian fintech. So we are sure that in the future there will be such cooperation and this cooperation will help to develop the Indonesian economy”. Said Timotius Rinaldo. According to Joshua, such cooperation is necessary. For Espay itself, what can be called cooperation if it is able to use the platform to give development to Indonesian finances. The hope is that the government can make regulations to integrate fintech in Indonesia.

Their Targets of Maximizing Fintech Encourages in Indonesia’s Economy

Koinworks provides several points that must be treat as a form of the impact of this pandemic. Even though Koinworks feels that their capital is sufficient and safe. They are still managing it so that they can effectively and efficiently use them. The first thing to do is to prioritize, through digital programs for marketing etc, then to mitigate risks according to current conditions, also to tighten the credit process. Then to expand such as conducting interviews via video calls or zoom meetings and establishing cooperation with UMKM through digital.

Koinworks targets to play an active role in helping the government innovate products and technology and expand access for those in need and educate the public about fintech so that the existing knowledge is not interrupted in one large area. Technology must be growing, which becomes a challenge, such as, resources to build the technology itself. Furthermore, there is implementation, not all are easy to implement. And the last is regulation, there are matters related to technology that the competent authority are regulating.

Espay targets that in the next 1-2 years. There will be efforts to collaborate with the government and entrust it to Bank Indonesia and OJK to provide new innovations. So Espay will fully support. Espay, technological developments are multiplicative as all handphone today have GPS and other advanced features and when technology gets more sophisticated, technology can detect the presence in a certain place. With that being said, Espay’s fintech encourages in Indonesia’s economy are yet to be done.

For Sagara Technology itself to advance technology, Sagara is engage in software development, such as website development, mobile development, etc. Sagara can provide solutions for data security and data security for business companies. Sagara also hopes that in the future Sagara can collaborate again with Koinworks and Espay.
May 3, 2021
FinTech Discussion with Nadia Amalia

Sagara Technology with Chat ALIA doing a live talk show at Sagara x Leaders through Instagram Social Media. The interviewer this time is Nabila as a Global Account Manager from Sagara Technology and Nadia Amalia as a CEO from Chat ALIA.

ALIA is a company engaged in sharia-based digital financial management. We help people to plan finances, save and invest in various kinds of Islamic investment products.

Live talk show at Sagara x Leaders

Did the pandemic have an effect on the fintech industry in opening up opportunities?

I think people care more about their finance sector, with more positive effects than negative effects. they must know what skills they should have after this pandemic and should know their financial management better.

How much IT and financial services has impacted the future in your opinion?

Fintech has grown in the last 4 years and has grown in Indonesia. According to the definition of fintech, enabling financial services using technology and that happens in the Indonesian financial sector.

How do you understand customer demand?

When you create a product, you have to position yourself as a customer, how they use the product. Then, when creating a product validate your idea of what you think, then make questions about it, but don’t open ended questions.

How do you keep motivated and success?

Especially in life, you have high and low. There’s a time when I feel I don’t want to do anything, I feel demotivated. Whenever I feel like that, what is my goal? What I want to achieve in life. When I’m demotivated, I always think “If I old enough, will i regret is doing nothing? Will I regret if I don’t work hard enough or don’t work toward my dreams?”.

Read more Sagara’s Article here.

May 3, 2021
Akseleran as The Organizer of P2P Lending FinTech

Sagara Technology with Akseleran doing a live talk show at Sagara x Leaders through the Instagram Social Media. The interviewer this time is Mutiara as a Digital Marketing from Sagara Technology and Ivan Nikolas Tambunan as a CEO.

What is the background of Ivan Nikolas Tambunan?

Before founding Akseleran, Ivan Nikolas Tambunan was someone who started his career as a Transaction Banking Lawyer at a well-known law firm in England, Allen & Overy.

The man who graduated from the Faculty of Law, University of Indonesia and MSc in Law and Finance from Queen Mary University of London, saw that the opportunity for financial technology in Indonesia was large enough to inspire him to create Akseleran which is now a fintech start-up.

What is Akseleran startup?

Akseleran is a Peer to Peer Lending platform in Indonesia that connects SMEs that need loans to develop their businesses with a pool of lenders who have more funds to fund these loans.

Akseleran was founded by people who have professional experience in the world of finance and technology. With the vision “Inclusive Finance Becomes Reality”. Akseleran hopes to encourage the development of SMEs in Indonesia that is profitable for business actors and the groups of lenders who support them.

Live talk show at Sagara x Leaders

Akseleran opens the door as wide as possible for business actors who have difficulty finding funding. Anyone can apply for a loan through Akseleran as long as they have a business that has been running for more than one year and is located in the Greater Jakarta, Banten, and Bandung areas. Not only that, but the business is run has also been able to generate a net profit in the past year.

All the facilities provided by Akseleran aim to encourage business actors to be courageous in starting and expanding their business. The ease of funding is expected to be able to give birth to new entrepreneurs with diverse and innovative. Types of businesses and to generate benefits for all parties, both business actors, investors, and the platform.

With the P2P Lending platform, will certainly make it easier for business actors to get investors to provide funding. The various features offered by Akseleran make it no less attractive than other Peer to Peer Lending platforms. However, the CrowdFunding system on that provides a plus in attracting borrowers and investors on this one platform.

May 3, 2021
How To Developing Conversational AI

Sagara Technology with Kata.ai doing a live talk show at Sagara x Leaders through the Instagram Social Media. The interviewer this time is Rifda as a Business Development Manager from Sagara Technology and Irzan Raditya as CEO from Kata.ai.

Kata.ai is a technology company that serves chatbots for many companies in Indonesia language. However, Kata.ai also serves chatbots in other languages like Mandarin language.

Live talk show at Sagara x Leaders

How Kata.ai Created

Since childhood, Irzan Raditya has been colored with technology in his life and has loved drawing. Since he was a child, he has had a passion for the IT field of technology, and from a young age, he has aspired to become a programmer.

In the end, he chose to study in Berlin majoring in Computer Science. After 4 years of college and finally graduation, he worked as a Software Engineer at several companies in Germany.

Before creating Kata.ai, Irzan and his colleagues created YesBoss. Yesboss is a technology-based venture created to become a digital-based personal assistant for someone.

There are several obstacles in developing Conversational Artificial Intelligence (AI) in Indonesia :

1. Have to create data. Because when compared to Indonesian with existing data in English, the resource is very small.

2. The second obstacle is talent. Finding the talent of Engineer Artificial Intelligence (AI) in Indonesia is very difficult

3. The third obstacle is lining and market expectation in Indonesia. Because of shadow people, Artificial Intelligence (AI) can learn on their own.

According to Irzan, the development of Artificial Intelligence (AI) in Indonesia is compared to other countries. When compared with countries such as the US and China, it is still very far away. But when compared to other countries in Southeast Asia it is still good, because the market in Indonesia is more about new things.

Irzan said several factors that can be influenced by Artificial Intelligence (AI) for B2B depend on each industry because Application Machine Learning must also differ.

Read more Sagara’s Article here.

April 29, 2021