Our Challenge

Griyamu aimed to democratize property investment through an accessible online experience. The principal challenge was crafting a marketplace that showcases below‑market pricing while offering real‑time appraisal insights, credit limit estimates, and loan modeling. It needed to serve both individual consumers and Malaysian‑style cooperative networks (UMKM) by providing clear investment tools, educational guidance, and credibility—while operating on a lean team in Surabaya and reaching scale across Indonesia.

Solution & Result

We built a multi‑module platform featuring:

• A searchable property listings portal with under‑market deals across regional Indonesian cities

• Real‑time property appraisal engine and financing calculators (credit limit, mortgage/loan planning, operating capital)

• Integrated educational content targeting property investment and small business funding

• Partnership mechanisms with cooperatives (e.g., Skomill) to support UMKM capital access and user onboarding segmentation via graded tiers (A–C) based on readiness and legal compliance

• The outcome: Griyamu established itself as a trusted proptech solution in East Java, offering affordable property access and educational empowerment for emerging entrepreneurs and first-time investors. The tech‑forward offering earned cooperation with UMKM cooperatives and built user trust through transparent financial tools and tiered investment pathways.