Kios Hari-hari Expands Financial Access and Creates Jobs in Jayapura with Five BRILink Agent Service Points

Amidst the growing need for easily accessible financial services, the presence of BRILink Agents has become a solution for bringing banking services closer to various regions, while simultaneously opening up business opportunities and creating jobs for local communities. One success story comes from Darwin Chandra, a local entrepreneur in Jayapura who successfully developed his modest kiosk into a reliable network of BRILink Agents that caters closely to the community’s transaction needs. He recounts that over a decade ago, he started his business from a small kiosk named Hari-Hari, established on 14 February 2011 in the Abepura district of Jayapura City, Papua Province. At that time, the kiosk he managed only sold a limited range and quantity of basic necessities. ‘At the time, the kiosk only sold daily necessities with a limited number of items. The most important thing for me was that this business could keep running and provide benefits to the surrounding community,’ said Darwin. With modest capital, Darwin ran his business gradually while building customer trust in the neighbourhood. For him, maintaining good relationships with customers was the main asset for developing the business. Over time, Darwin observed that customer demand was evolving. Customers coming to his kiosk no longer only needed basic goods, but also required easy access to financial services without having to travel long distances to a bank branch. The opportunity finally came in 2017, when BRI offered his kiosk a partnership to become a BRILink Agent. Darwin saw this as a chance to grow his business while helping the community obtain banking services that were closer, faster, and more accessible. Without hesitation, he decided to join as a BRILink Agent and began serving various financial transactions, including cash withdrawals, transfers, bill payments, and other banking transaction needs. That decision became a turning point in his business journey. Within just three months of becoming a BRILink Agent, Darwin successfully achieved the transaction target in a Reward Programme held by BRI and received a smartphone as an award. He achieved a similar accomplishment in the following period, which further motivated him to continue developing his business.