Digital transformation of TLM Cooperative, Indonesia

• Aug 13, 2025
• 1 min

TLM Cooperative is one of Eastern Indonesia’s largest microfinance institutions, which serves 350,000+ members across five provinces with limited digital and physical infrastructure. Since 2022, MSC has supported TLM in its journey of institutional strengthening and digital transformation.  

MSC conducted a comprehensive digital transformation readiness assessment (DTRA) to evaluate TLM’s systems, processes, and organisational preparedness. The assessment identified several constraints, which included a fragmented and outdated core banking system (CBS), high manual workloads, a lack of integration across functions, and low IT capacity. MSC recommended a phased transformation roadmap centred around CBS replacement, business process digitization, and internal capacity building.  

Following the DTRA, MSC supported the end-to-end implementation of a new CBS (Shakti by Qbrik). Our support included vendor contract review, requirement gathering, feature development oversight, user acceptance testing (UAT), training design, and data migration. We worked closely with TLM’s operations and IT teams to ensure practical, user-focused adoption of digital systems.  

This intervention has enabled TLM to transition from paper-heavy, branch-dependent operations to a scalable digital foundation, including mobile-enabled field processes and automated savings and loan workflows. MSC also helped TLM shift from traditional group lending toward more flexible, individual, and SME lending models.  

Opportunity International Australia commissioned the project