SocialCollateral AI: Jaringan Amanah Amartha

By Making the Invisible Visible - into Bankable Assets

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SocialCollateral AI is a specialized Social Graph Engine developed to address a critical paradox in the microfinance industry: how to scale inclusive lending without losing the "social touch" that mitigates risk. As microfinance lenders like Amartha expand, they face an "asymmetry of information" where transaction data exists, yet the invisible dynamics of communal trust—the very foundation of the Grameen model—remain unquantified and "blind" to digital systems.

This project introduces "Jaringan Amanah", a system that transforms these qualitative social assets into a quantitative Group Trust Score. By shifting the paradigm from individual credit scoring to graph-based risk assessment, we enable financial institutions to "see" the strength of social fabric and monetize the reputation of borrower groups.

The solution is architected around a Social Graph Engine that triangulates risk through Three AI Lenses:

1. Network Topology (Graph Analytics): Visualizing and computing the structural integrity of borrower clusters using centrality metrics to identify "toxic" versus "solid" groups.
2. Contextual Sentiment (NLP): Utilizing Google Gemini to decode unstructured field agent reports, detecting nuanced signals of conflict or cohesion that purely numerical data misses.
3. Physical Asset Valuation (Computer Vision): Deploying Google Cloud Vision to objectify the assessment of business and household assets, reducing human survey bias.

This integrated approach enables Precision Lending (reducing opportunity loss and bad debt) and Operational Velocity (automating pre-screening), effectively turning the "invisible" collateral of social trust into a bankable asset for the unbanked.

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• Firyan Fatih Fadilah - Team Lead & Product Strategist
• M. Gheron Shaquille - UI/UX Designer
• Farhan Harits Prakoso - Graph Visualization Specialist
• M. Fajrin Nugraha - Frontend Engineer
• Real Madrid Haikal Putra - Fullstack Engineer

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Interested in our approach?

This project represents our Top 15 Finalist submission for the Amartha x Google Developer Groups Jakarta Hackathon 2025.

If you are a stakeholder interested in the full technical methodology, business model canvas, or potential collaboration regarding social graph analytics in microfinance, we invite you to review our complete proposal documentation.

📄 Request Full PDF Proposal
Please contact us to request the detailed technical and business proposal documents.

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