Inter CAFE

International Centre for Applied Finance and Economics



Assignment name:Banking Intermediation
Approx. value of the contract (in current US$ or Euro):IDR 399.294.750,00
Country: IndonesiaLocation within country: Jakarta Duration of assignment (months):3 months
Name of Client:Central Bank of Republik Indonesia Total No of staff-months of the assignment:8
Address:Jl. M.H Thamrin No 2 Jakarta Approx. value of the services provided by your firm under the contract (in US$ currency equivalent):IDR 399.294.750,00
Start date (month/year): 10 April 2007Completion date (month/year): 26 Juni 2007 No of professional staff-months provided by associated Consultants:
Name of associated Consultants, if any:      Name of senior professional staff of your firm involved and functions performed (indicate most significant profiles such as Project Director/Coordinator, Team Leader):Iman Sugema as Project Director/ Coordinator
Narrative description of Project:This research related to banking intermediation to provide input to Bank Indonesia as the regulator so that they can encourage the national banking industry plays its role well, such as facilitating the process of intermediation to the real sector, and policies issued or facilitatating the provision of specific sectors, providing guidance to foreign-owned banks to be more involved in economic development, and coordination with the government in revitalizing and improving the efficiency of state-owned banks. From this research will be obtained any information which becomes a major obstacle both in the banking and real sector and what is expected and required by both parties, especially that could facilitated by Bank Indonesia.The research aims to assess the constraints and find an alternative solution to the problem of banking disintermediation : 

(1) issues lead to credit distribution to the real sector has not been optimal,

(2) the movement of loanable funds,

(3) completion of solutions of which is used by Bank Indonesia in making policy.

From the study results can be proved that the phenomenon of disintermediation is more caused by demand of credit that weak particularly which occurs in 2006. That cause of slowdown in business, increasing of failure rate particularly in credit application by Small Medium Enterprise and macroeconomic factors such as inflation and business environment. The proposed recommendation of policies are banks must develop the ability to identify business opportunities in the region, required more detailed information about local economic prospects, there should be more work on the willingness of banks to SMEs as it is the economic backbone area that has not been touched of banks, the importance of decentralized decision making and determination of bank loan portfolios.

Description of actual services provided by your staff within the assignment:This study used two separate levels of analysis:1) Analysis of Demand and Supply of Credit and Banking

2) Identification of Constraints Banking Intermediation.

Analysis of demand and supply of bank credit is done by making simultaneous equation econometric models with panel data and analysis methods Revealed creditworthiness. Both this analysis will use secondary data. As for the identification of constraints of banking intermediation will be done using descriptive analysis of primary data survey. The research collect data from 11 area in 5 municipality in 3 provinces in Indonesia.

Assignment Name:BPR Efficiency Approx. Value of the contract (in EUR/USD):IDR 196,081,809.00
Country: IndonesiaLocation within Country: Indonesia Duration of assignment (month):3 months
Name of Client:Bank Indonesia Total No. of staff-month of the assignment:9
Address:  Jl. M.H Thamrin No 2 Jakarta Approx. value of the services provided by your firm under the contract (in USD currency equivalent)IDR 196,081,809.00
Start date: 9 April 2007Completion date: 9 June 2008 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema as Team Leader
Narrative description of the project:  BPR has a critical role in providing financial access to the Indonesian people, especially small businesses, medium and micro enterprises (SMEs). BPR industry with a high degree of efficiency is needed because it has a positive impact on other sectors. To determine the level of efficiency of BPR, it is necessary to do research on “Rural Bank Efficiency “. Objectives of the study:General Purpose:

  1. Formulate a concept of assessing and improving the efficiency of BPR in order towards the realization of the vision of development BPR
  2. Evaluating the efficiency and health of BPR.
  3. Formulate policy recommendations that need to be taken either by the BPR and Central Bank of Indonesia that lead to the steps in order to prevent the occurrence of operational inefficiencies in BPR.

Special Purpose:

  1. Identify and assess the factors that affect the level of efficiency of BPR assessment directly or indirectly principally of the cost structure of BPR
  2. Assessing the economics of scale and the efficiency of BPR.
  3. Identify the relationship between the level of efficiency with total assets, capital, the NPL, ownership structure appropriate legal form (PT, PD or Cooperative), and the health of BPR.
  4. Provide a recommendations of best formula in assessing the efficiency of BPR by considering the following factors: can be easy to implement, can be evaluated in the future
Description of actual services provided by your staff within the assignment:

  1. Secondary data collection from the Bureau of Rural Bank Supervision , Central Bank of Indonesia in the form of balance sheets and income statements of BPR for 2005 and  2006. The data used to calculate the value of efficiency, economics of scale and BPR performance ratios are needed to identify the factors that cause inefficiency in the BPR
  2. Preparation of the questionnaire and testing the questionnaire in several BPR in Bogor area
  3. Survey of existing BPR in the study area. Survey process is done by compiling a list of questions first and then followed by interviews with selected respondents of BPR by specific sampling methodology. Selected sample of 450 rural banks in 10 regions, in 8 provinces in Indonesia. Primary data collection is intended to clarify and dig deeper into the information about the various factors that may cause inefficiencies in BPR, identify common characteristics of efficient and inefficient of BPR.
Assignment Name:Productive Business Loans without Physical Collateral of Rural Banks Approx. Value of the contract (in EUR/USD):IDR. 145.000.000,00
Country: IndonesiaLocation within country: Indonesia Duration of assignment (month):3 Months
Name of Client:Central Bank of Indonesia Total No. of staff-month of the assignment:6
Address:  Jl. M. H. Thamrin No. 2 Jakarta 10350Telp. 2310108 (ext.7317)Email. humasbi@bi.go.id Approx. value of the services provided by your firm under the contract (in USD currency equivalent)IDR. 145.000.000,00
Start date: 29 Oktober 2007Completion date: 19 Desember 2007 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema as Team Leader
Narrative description of the project:  The feasibility of Productive Business Loans without Physical Collateral of Rural Banks in Indonesia.
Research in the field of micro business capitalization with improving a product can increase the role of BPR in an increase of micro-business to accelerate the economic growth.The scope of this study consisted of:1. Quantitative approach with descriptive statistics and probit models.

2. A qualitative approach of BPR which has been doing schemes of credit without physical collateral (existing condition).
3. The study focused on Micro-business with the classification of the credit.

The purpose of the research on the perception of non-cash payments in Indonesia, among others:

  1. The efforts by BPR in order to expand the range of services to SMEs while maintaining credit quality and the obstacles encountered in implementing it.
  2. The main consideration factor to analyze of feasibility of BPR.
  3. BPR efforts in ensuring the security of credit (how large a portion of collateral in determining the approval or denial of credit).
  4. Type of collateral required for each loan classification by sector, type of use and scale.
  5. Create a model/best scheme including credit limit can be carried out by BPR in providing productive business credit without physical collateral but still produce a low NPL.
  6. Provide policy recommendations and Central Bank of Indonesia regulations that need to be enhanced BPR to facilitate productive business in lending unsecured physical
Description of actual services provided by your staff within the assignment:The research objectives are to improve the micro-business loans without physical collateral product to be provided by the BPR. In achieving the purpose of research, researchers will use a template within the scope of the case study.
The output from this research include lending models that can be implemented BPR in providing productive business credit without physical collateral, and policy recommendations and regulations of BI that need to be enhanced related with productive business credit without physical collateral by BPR.
Research activities, consisting of:
– Literature review;
– Survey;
– Descriptive analysis with SWOT methodology.
The stages to achieve the research objectives:
First stage: descriptive analysis.
Second stage: identification and analysis of credit schemes.
Third stage: Identification and analysis of the opportunities and challenges of productive business credit scheme without physical guarantee.
Fourth stage: synthesis of policy formulation.
Assignment Name:Survey on Saving Composition Used in Payment Activity Approx. Value of the contract (in EUR/USD):IDR 444,538,200.00
Country: IndonesiaLocation within country: Indonesia Duration of assignment (month):5 months
Name of Client:Central Bank of Indonesia Total No. of staff-month of the assignment:7
Address:Jl. M. H. Thamrin No. 2 Jakarta 10350Telp. 2310108 (ext.7317)Email. humasbi@bi.go.id Approx. value of the services provided by your firm under the contract (in USD currency equivalent)
Start date: 19 Juni 2007Completion date: 20 Oktober 2007 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema act as a Team Leader to lead and manage the assignment.
Narrative description of the project:  Research in the field of composition of savings related with re-definitions of the indicators M1 and M2 money supply to study the movement of M1 and M2.The scope of this study consist of:
1) statistical and econometric analysis to separate the trend and cyclical components of savings statistical data.
2) Descriptive and econometric analysis to look at the composition of the public savings for each area of ​​study.The purpose of the research on Saving Composition Survey in Indonesia, among others:
1) Identify the composition of communities’ savings in the bank for the purpose of payment including a regional profile;
2) Provide information a composition of APMK use for cash and non-cash transactions;
3) Provide an overview the use of APMK for the implementation of the non-cash economic transactions;
4) Identify the preferences of the types of banking products: current accounts, time deposits, savings deposits (including deposits and foreign currency deposits).
Description of actual services provided by your staff within the assignment:In achieving the purpose of research, researchers will use a template within the scope of the case study.
The output of this study include the statistical re-definition of M1 and M2 money supply, the use of the composition  of APMK information for cash and non-cash transactions, and community preferences for the types of banking products used.
Research activities, consisting of:
– Literature review;
– Survey;
– Qualitative analysis using the Hodrick-Prescott filter methodology.The stages to achieve the research objectives:
Phase One: secondary data analysis to look at the cyclical behavior of savings by using time series data. From here we will get a percentage of savings that are part of M2, which is worthy of consideration for inclusion in M1.
Phase Two: survey of banks and the public (bank customers) to determine the behavior of the use particularly savings in payment activity. The survey was conducted in 14 provinces in Indonesia with bank customers as the number of respondents and the 1234 respondents 52 banks.
Third phase: synthesis research paper on the results of the two previous stages can be formulated such that the relevant policy recommendations, especially for Bank Indonesia as the monetary authority.
Assignment Name:Indonesian Vision 2030 Approx. Value of the contract (in EUR/USD):IDR 200,000,000.00
Country: IndonesiaLocation within Country: Indonesia Duration of assignment (month):12 months
Name of Client:Central Bank of Indonesia Total No. of staff-month of the assignment:7
Address:  Jl. M.H Thamrin No 2 Jakarta Approx. value of the services provided by your firm under the contract (in USD currency equivalent)IDR 200,000,000.00
Start date: 2007Completion date: 2007 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema
Narrative description of the project:  Economic improvement in Indonesia since the economic crisis in 1998 has begun to be felt. It can be seen of GDP growth shows a positive value, but still not significantly affect the overall economy. One of the factors that indicated a factor of economic development does not optimal is the absence of a clear and concrete vision for economic development. To realize this vision, the necessary research includes the manufacture of grand design strategies in the banking sub-sector, financial services and capital markets in 2030. It is expected to lead a better economic order through the financial sector.The purpose of the Indonesian Vision 2030 Study is:
1. To formulate a long-term vision of the Indonesian economy development in the sub-sector of banking, financial services and capital markets are concrete and measurable.
2. Formulate long-term strategic plans in the banking sub-sector, financial services and capital markets in Indonesia.
3. Construct a midd-term stage plan of development as attainment targets every five years to the year 2030.
Description of actual services provided by your staff within the assignment:Research Stages:

  1. Literature Review
  2. Identification indicator of  banking, financial service and capital market
  3. Economic Development Model in others countries
  4. Economic Outlook
  5. Problem identifications
  6. Data Collecting: identification of exixting condition, in depth interview, focus group discussion and  benchmarking to other countries
  7. Qualitative and Quantitative of Data Analysing
  8. Formulation of Indonesian Vision 2030 and the Grand Design
  9. Key recommendations
  10. Organize a first report
  11. Annual Indonesian Forum
  12. Coordination Meeting of YIF
  13. Coordination Meeting with consortium
  14. Making a summary, revision and printing of books


Assignment name:Improving Economic Outcomes for Smallholders Growing Teak in Agroforestry System in Indonesia
Approx. value of the contract (in current US$ or Euro)AU$ 82,877
Country: IndonesiaLocation within country: Bogor Duration of assignment (months):36 months
Name of Client:The Center For International Forestry ResearchAnd ACIAR Total No of staff-months of the assignment:4
Address:Jalan CIFOR, Situ Gede, Sindang BarangBogor Barat 16680Phone/fax : +62 (251) 622 622/ +62(251) 622 100 Approx. value of the services provided by your firm under the contract (in US$ currency equivalent):AU$ 82,877
Start date (month/year): 1 January 2007Completion date (month/year): 31 December 2010 No of professional staff-months provided by associated Consultants:
Name of associated Consultants, if any:      Name of senior professional staff of your firm involved and functions performed (indicate most significant profiles such as Project Director/Coordinator, Team Leader):Iman Sugema as Project Director/ Coordinator
Narrative description of Project:InterCAFE IPB collaborative scientist was share responsibilities with CIFOR and other partner scientists in achieving the whole project objectives. InterCAFE taken major responsibility to achieve the objectives of “To identify and design financing schemes that provide incentives for small holder participation in profitable teak production”. The goal that has been achieved is built an embryo of small microfinance for the teak farmer as a tool for them to find out their financial scheme from them, by them for them to get a sustainable livelihood especially in financial system. 
Description of actual services provided by your staff within the assignment:

  1. Design survey plans and tool circulated
  2. Design the manual for local project team in conducting the assessment
  3. Conduct financial and economic survey
  4. Analyze data and verify with farmers groups
  5. Prepare synthesis paper (journal articles summarising result)
  6. Organize workshop in field
  7. Final report and media report

Assignment Name:Early Warning System (Survey on Property Industry)
Approx. Value of the contract (in EUR/USD):IDR 346.976.300,00
Country: IndonesiaLocation within Country: Jakarta Duration of assignment (month):4 months
Name of Client:Central Bank of Republik Indonesia Total No. of staff-month of the assignment:9
Address:  Jl. M.H Thamrin No 2 Jakarta Approx. value of the services provided by your firm under the contract (in USD currency equivalent)IDR 346.976.300,00
Start date: 27 March 2007Completion date: 26 July 2007 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema as Team Leader
Narrative description of the project:  Due to the importance of the property and real estate industry, both for the economy and financial stability, it is very crucial to study the industry continuously from time to time. This research is conducted to explore the property and real estate industry in Indonesia. The research’s aims are:(i)To develop a model which can be used to get an early warning system for the negative impact of property and real estate industry to the financial system stability.

(ii)To study the financing scheme in the property and real estate industry

(iii)To study the expectation of the stakeholders (developers, banking and consumers) about the prospect of property and real estate industry in the future, and

(iv)To formulate the policy implication and the direction of the future research concerning financial stability.

In this study, the aggregate activity of the property and real estate industry is measured using three alternative reference series, namely : (i) Banking indicators, which consist of Property Credit and NPL Property,

(ii)Value-added in the Construction Sector (GDP Construction), and

(iii) Net-Absorption, which is measured using price index and occupation rate.

Description of actual services provided by your staff within the assignment:The research consist of two stages, they are:The First Stage is especially dedicated to develop a model which can give an Early Warning System for the development of property and real estate industry. Having a good early warning system, the behavior and the future development of the industry can be predicted precisely.  Such prediction will be very beneficial for the Indonesian government and the Bank Indonesia to conduct suitable policies.In the Second Step, a survey will be carried out to study the financing scheme, the future prospect as well as the expectation of the stakeholders concerning the industry.  The survey will also be used to clarify the findings of the model which is developed in the first stage. Based on the results of two stages, concluding remarks and the policy implication will be formulated.  The research collect data from 10 municipalities in 6 provinces in Indonesia. Number of respondent are 400 respondent divided by 60 developer, 10 banks and 330 consumer.
Assignment Name:Indonesian Vision 2030 Approx. Value of the contract (in EUR/USD):IDR 200,000,000.00
Country: IndonesiaLocation within Country: Indonesia Duration of assignment (month):12 months
Name of Client:Bank Indonesia Total No. of staff-month of the assignment:7
Address:  Jl. M.H Thamrin No 2 Jakarta Approx. value of the services provided by your firm under the contract (in USD currency equivalent)IDR 200,000,000.00
Start date: 2007Completion date: 2007 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema
Narrative description of the project:  Economic improvement in Indonesia since the economic crisis in 1998 has begun to be felt. It can be seen of GDP growth shows a positive value, but still not significantly affect the overall economy. One of the factors that indicated a factor of economic development does not optimal is the absence of a clear and concrete vision for economic development. To realize this vision, the necessary research includes the manufacture of grand design strategies in the banking sub-sector, financial services and capital markets in 2030. It is expected to lead a better economic order through the financial sector.The purpose of the Indonesian Vision 2030 Study is:
1. To formulate a long-term vision of the Indonesian economy development in the sub-sector of banking, financial services and capital markets are concrete and measurable.
2. Formulate long-term strategic plans in the banking sub-sector, financial services and capital markets in Indonesia.
3. Construct a midd-term stage plan of development as attainment targets every five years to the year 2030.
Description of actual services provided by your staff within the assignment:Research Stages:

  1. Literature Review
  2. Identification indicator of  banking, financial service and capital market
  3. Economic Development Model in others countries
  4. Economic Outlook
  5. Problem identifications
  6. Data Collecting: identification of exixting condition, in depth interview, focus group discussion and  benchmarking to other countries
  7. Qualitative and Quantitative of Data Analysing
  8. Formulation of Indonesian Vision 2030 and the Grand Design
  9. Key recommendations
  10. Organize a first report
  11. Annual Indonesian Forum
  12. Coordination Meeting of YIF
  13. Coordination Meeting with consortium
  14. Making a summary, revision and printing of books


Assignment name:Banking Intermediation
Approx. value of the contract (in current US$ or Euro):IDR 399.294.750,00
Country: IndonesiaLocation within country: Jakarta Duration of assignment (months):3 months
Name of Client:Central Bank of Republik Indonesia Total No of staff-months of the assignment:8
Address:Jl. M.H Thamrin No 2 Jakarta Approx. value of the services provided by your firm under the contract (in US$ currency equivalent):IDR 399.294.750,00
Start date (month/year): 10 April 2007Completion date (month/year): 26 Juni 2007 No of professional staff-months provided by associated Consultants:
Name of associated Consultants, if any:      Name of senior professional staff of your firm involved and functions performed (indicate most significant profiles such as Project Director/Coordinator, Team Leader):Iman Sugema as Project Director/ Coordinator
Narrative description of Project:This research related to banking intermediation to provide input to Bank Indonesia as the regulator so that they can encourage the national banking industry plays its role well, such as facilitating the process of intermediation to the real sector, and policies issued or facilitatating the provision of specific sectors, providing guidance to foreign-owned banks to be more involved in economic development, and coordination with the government in revitalizing and improving the efficiency of state-owned banks. From this research will be obtained any information which becomes a major obstacle both in the banking and real sector and what is expected and required by both parties, especially that could facilitated by Bank Indonesia.The research aims to assess the constraints and find an alternative solution to the problem of banking disintermediation :(1) issues lead to credit distribution to the real sector has not been optimal,

(2) the movement of loanable funds,

(3) completion of solutions of which is used by Bank Indonesia in making policy.

From the study results can be proved that the phenomenon of disintermediation is more caused by demand of credit that weak particularly which occurs in 2006. That cause of slowdown in business, increasing of failure rate particularly in credit application by Small Medium Enterprise and macroeconomic factors such as inflation and business environment. The proposed recommendation of policies are banks must develop the ability to identify business opportunities in the region, required more detailed information about local economic prospects, there should be more work on the willingness of banks to SMEs as it is the economic backbone area that has not been touched of banks, the importance of decentralized decision making and determination of bank loan portfolios.

Description of actual services provided by your staff within the assignment:This study used two separate levels of analysis:1) Analysis of Demand and Supply of Credit and Banking

2) Identification of Constraints Banking Intermediation.

Analysis of demand and supply of bank credit is done by making simultaneous equation econometric models with panel data and analysis methods Revealed creditworthiness. Both this analysis will use secondary data. As for the identification of constraints of banking intermediation will be done using descriptive analysis of primary data survey. The research collect data from 11 area in 5 municipality in 3 provinces in Indonesia.

Assignment Name:Productive Business Loans without Physical Collateral of Rural Banks Approx. Value of the contract (in EUR/USD):IDR. 145.000.000,00
Country: IndonesiaLocation within country: Indonesia Duration of assignment (month):3 Months
Name of Client:Central Bank of Indonesia Total No. of staff-month of the assignment:6
Address:  Jl. M. H. Thamrin No. 2 Jakarta 10350Telp. 2310108 (ext.7317)Email. humasbi@bi.go.id Approx. value of the services provided by your firm under the contract (in USD currency equivalent)IDR. 145.000.000,00
Start date: 29 Oktober 2007Completion date: 19 Desember 2007 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema as Team Leader
Narrative description of the project:  The feasibility of Productive Business Loans without Physical Collateral of Rural Banks in Indonesia.
Research in the field of micro business capitalization with improving a product can increase the role of BPR in an increase of micro-business to accelerate the economic growth.The scope of this study consisted of:1. Quantitative approach with descriptive statistics and probit models.

2. A qualitative approach of BPR which has been doing schemes of credit without physical collateral (existing condition).
3. The study focused on Micro-business with the classification of the credit.The purpose of the research on the perception of non-cash payments in Indonesia, among others:

  1. The efforts by BPR in order to expand the range of services to SMEs while maintaining credit quality and the obstacles encountered in implementing it.
  2. The main consideration factor to analyze of feasibility of BPR.
  3. BPR efforts in ensuring the security of credit (how large a portion of collateral in determining the approval or denial of credit).
  4. Type of collateral required for each loan classification by sector, type of use and scale.
  5. Create a model/best scheme including credit limit can be carried out by BPR in providing productive business credit without physical collateral but still produce a low NPL.
  6. Provide policy recommendations and Central Bank of Indonesia regulations that need to be enhanced BPR to facilitate productive business in lending unsecured physical
Description of actual services provided by your staff within the assignment:The research objectives are to improve the micro-business loans without physical collateral product to be provided by the BPR. In achieving the purpose of research, researchers will use a template within the scope of the case study.
The output from this research include lending models that can be implemented BPR in providing productive business credit without physical collateral, and policy recommendations and regulations of BI that need to be enhanced related with productive business credit without physical collateral by BPR.
Research activities, consisting of:
– Literature review;
– Survey;
– Descriptive analysis with SWOT methodology.
The stages to achieve the research objectives:
First stage: descriptive analysis.
Second stage: identification and analysis of credit schemes.
Third stage: Identification and analysis of the opportunities and challenges of productive business credit scheme without physical guarantee.
Fourth stage: synthesis of policy formulation.
Assignment Name:Tingkat Efisiensi BPR Approx. Value of the contract (in EUR/USD):IDR. 1196.081.809
Country: IndonesiaLocation within country: several KBI areasin Java-Bali and 3 KBI areas in out of Java-Bali Duration of assignment (month):3 Months
Name of Client:Bank Indonesia Total No. of staff-month of the assignment:
Address:  Jl. M. H. Thamrin No. 2 Jakarta 10350Telp. 2310108 (ext.7317)Email. humasbi@bi.go.id Approx. value of the services provided by your firm under the contract (in USD currency equivalent)IDR. 1196.081.809
Start date: 9 April 2007Completion date: 8 June 2007 No. of professional staff-months provided by associated Consultants: 
Name of Associated Consultants, if any:  Name of senior professional staff of your firm involved and functions performed: Iman Sugema as Team Leader
Narrative description of the project:  This project  
Description of actual services provided by your staff within the assignment:

  1. Arrange a research plan as proposal
  2. Conducting collecting primary and secondary data from a relevant of various sources, conducting a survey to the fieldwork, running and analyze the data
  3. Constructs a reports with qualified analysis
  4. discussing the results with the experts trough FGD/seminar
  5. Final Report and Recommendation

 

 

 

 

 

 

 

 

 

 

 

 

 

 

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