TerraFin

Satellite-Driven Financial Inclusion & Green Economy Platform for 3T Farmers

Indonesia Aerospace Hackathon 2026
Celebrating 50 Years of Indonesian Satellite

TerraFin is an integrated, satellite-driven financial inclusion and green economy platform designed to transform aerospace data into actionable financial leverage for the 17.25 million smallholder farmers in Indonesia's 3T (Terdepan, Terluar, Tertinggal) regions.

By utilizing Earth Observation and Synthetic Aperture Radar (SAR) satellite data—including NDVI, soil moisture parameters, and historical climate patterns—TerraFin generates highly accurate alternative credit scores for farmers lacking traditional financial footprints. This enables them to access micro-loans, parametric micro-insurance, and a blockchain-verified carbon credit marketplace, where funds are disbursed directly via satellite micropayments without the need for cellular internet infrastructure.

Continuing the 50-year legacy of Indonesia's Palapa satellite, TerraFin connects the sky to the soil, ensuring economic sovereignty, financial inclusion, and climate resilience for the archipelago's agricultural ecosystem through a seamless integration of Artificial Intelligence, blockchain oracles, and farmers' local wisdom.

Pitch Deck: https://canva.link/l2sywdzh1rxshox

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⚙️ Technology Stack: Frontend

React | Vite | TypeScript | TailwindCSS | ShadcnUI | Framer Motion | Recharts | Leaflet

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🛰️ Data & AI Stack

Google Earth Engine | Scikit-learn | XGBoost | TensorFlow | IndoBERT

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🎯 Problem Statement

Three interconnected barriers prevent smallholder farmers in Indonesia's 3T regions from accessing formal financial services:

Problem	Impact
Information Asymmetry & Financial Exclusion	>60% of farmers lack credit access due to no banking history, KTP, or land collateral (OJK, 2025)
Climate Vulnerability	40% increase in crop failure risk from floods/droughts; traditional insurance is unaffordable (BMKG)
Carbon Market Gap	Farmers excluded from Indonesia's 2026 national carbon market due to costly MRV processes

Key Insight: No localized platform in Indonesia provides an end-to-end pipeline integrating satellite monitoring, credit scoring, carbon marketplace, automated insurance, and satellite micropayments.

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💡 Our Solution

TerraFin serves as an end-to-end B2B, B2C, and B2G technological bridge between space-based data and ground-level financial services:

1️⃣ B2B Dashboard (Banks, Microfinance, Carbon Buyers)

• Real-time alternative credit scoring (NDVI-based)
• Carbon credit marketplace with blockchain verification
• Portfolio risk analytics & NPL monitoring

2️⃣ B2C Mobile App (3T Farmers)

• AR field scanner (NDVI overlay, credit score, carbon estimate)
• Offline-first, satellite-synced digital wallet
• Instant insurance claims & carbon credit sales

3️⃣ B2G Sovereign Dashboard (BRIN, BNPB, OJK, KLHK)

• National carbon tracking & NDC progress monitoring
• Regional NPL heatmap & financial inclusion metrics
• Satellite-triggered disaster alerts & early warning system
• Data sovereignty & satellite source monitoring (LAPAN/BRIN)

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🔄 End-to-End Workflow

┌─────────────────────────────────────────────────────────────────────────────┐
│                         SATELLITE LAYER                                      │
│  Sentinel-1 | Sentinel-2 | Landsat | SMAP | LAPAN/BRIN | MODIS | CHIRPS     │
└─────────────────────────────────────────────────────────────────────────────┘
                                      │
                                      ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                      AI PROCESSING CORE (GEE + ML)                          │
│  NDVI | Soil Moisture | Rainfall | Carbon Estimation | Risk Analysis        │
└─────────────────────────────────────────────────────────────────────────────┘
                                      │
          ┌───────────────────────────┼───────────────────────────┐
          ▼                           ▼                           ▼
┌───────────────┐          ┌───────────────┐          ┌───────────────┐
│  B2B Dashboard │          │  B2C Mobile   │          │ B2G Sovereign │
│    (Bank)      │          │  (Farmer)     │          │  Dashboard    │
├───────────────┤          ├───────────────┤          ├───────────────┤
│• Credit Score │          │• AR Scanner   │          │• Carbon Track │
│• Loan Approval│          │• Credit View  │          │• NDC Progress │
│• Carbon Market│          │• Claim Insure │          │• NPL Heatmap  │
│• Risk Analysis│          │• Sell Carbon  │          │• Disaster Map │
└───────────────┘          └───────────────┘          └───────────────┘
                                      │
                                      ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                    SETTLEMENT LAYER (Satellite Micropayment)                │
│         Loans | Insurance Payouts | Carbon Credit Sales                     │
│                    (LEO/GEO Hybrid IoT Connectivity)                        │
└─────────────────────────────────────────────────────────────────────────────┘
                                      │
                                      ▼
┌─────────────────────────────────────────────────────────────────────────────┐
│                        3T FARMER WALLET                                      │
│              (Offline-first, Satellite-Synced Digital Wallet)               │
└─────────────────────────────────────────────────────────────────────────────┘

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🧩 Core Features

🌾 Features for Farmers (B2C)

• AR Field Scanner – Point camera at land → real-time NDVI overlay, credit score, carbon estimate
• Alternative Credit Score – Access loans without banking history
• Parametric Insurance – Automatic payouts when satellite detects drought/flood
• Carbon Credit Marketplace – Sell carbon credits directly to buyers
• Satellite Digital Wallet – Receive funds without cellular internet

🔍 "From the sky to the soil, from data to rupiah"

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🏦 Features for Banks & Carbon Buyers (B2B)

• Real-Time Credit Scoring Dashboard – NDVI-based farmer risk assessment
• Carbon Credit Marketplace – Purchase verified blockchain-secured carbon credits
• Portfolio Risk Analytics – Monitor NPL rates and loan performance
• Automated Underwriting Support – AI-driven loan approval recommendations

🐦‍🔥 Access verifiable agricultural data for confident lending

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🏛️ Features for Government & BRIN (B2G)

• National Carbon Tracking – Monitor total credits, sequestration rates, NDC progress (31.89% target)
• Financial Inclusion Dashboard – Track loans disbursed, NPL heatmap by province
• Disaster Early Warning System – 7-30 day forecasts with satellite-triggered alerts
• Data Sovereignty Monitor – Track LAPAN/BRIN vs international satellite usage

📊 Evidence-based policymaking powered by satellite intelligence

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🚀 Live Demo

👉 https://terrafin.vercel.app/

Demo Credentials:

• Select role: Farmer / Bank / Carbon Buyer / Insurance / Government / Admin
• No login required – Demo Mode enabled

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🧰 Getting Started Locally

Prerequisites

• Node.js (v18+)
• Git

Clone the Project

git clone https://github.com/StyNW7/TerraFin.git
cd TerraFin
cd frontend
npm install
npm run dev

Environment Variables (Optional)

# For Google Earth Engine API (if implementing live data)
VITE_GEE_API_KEY=your_api_key_here![alt text](image.png)

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📸  Result Preview

Role Selection Page (Demo Mode)

Bank Dashboard - B2B Interface

Farm Monitoring Page - NDVI Map & Alerts

Carbon Marketplace - Buy Verified Carbon Credits

Parametric Insurance - Simulate Disaster Triggers

Government Dashboard - Carbon Tracking & NDC Progress

Government Dashboard - Disaster Alerts & Early Warning

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🧭 System Architecture Diagram

TerraFin End-to-End System Architecture

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📊 Impact to National Development

Impact Area	Projected Outcome
Economic Sovereignty	30-50% income increase for 3T farmers; Rp 1.2T/year carbon credit value
Financial Inclusion	17.25M unbanked farmers gain credit access; 20% NPL reduction
Climate Resilience	Automated parametric insurance; 40% reduction in uninsured crop losses
NDC Contribution	Support 31.89% emission reduction target by 2030
SDGs	SDG 1, 2, 9, 13

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🗺️ Implementation Roadmap

Phase	Period	Milestones
Proof of Concept	Q2 2026	Hackathon prototype, GEE integration, AI credit scoring
Alpha Testing	Q3 2026	Pilot with microfinance (10-50 farmers), SMS gateway
Deep Tech Integration	Q4 2026	Blockchain oracle, AR mobile app, Edge-AI
Beta Expansion	Q1 2027	5 provinces, 2 banks, 1 carbon buyer partnership
Scaling	Q2 2027	5,000+ farmers, B2B subscriptions active
Satellite IoT	Q3 2027	Full micropayment in off-grid 3T regions, 10,000+ farmers
National Rollout	Q1 2028	34 provinces, self-sustaining revenue model

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🛠️ Technologies Used

Frontend

Technology	Purpose
React 18 + TypeScript	Core UI framework with type safety
Vite	Fast build tool and development server
Tailwind CSS	Utility-first styling with dark theme
Shadcn UI	Accessible, customizable component library
Framer Motion	Smooth animations and transitions
Recharts	Interactive charts (NDVI trends, carbon prices)
React-Leaflet	Interactive Indonesia map with heatmap layers
Lucide React	Consistent icon system

Data & AI

Technology	Purpose
Google Earth Engine	NDVI, soil moisture, rainfall data extraction
XGBoost	Credit scoring & yield prediction engine
IndoBERT + LSTM	Local wisdom SMS classification (Target F1: 79.55%)
Scikit-learn	ML pipeline for risk assessment
TensorFlow	Carbon estimation models

Infrastructure

Technology	Purpose
Vercel	Frontend hosting & deployment
GitHub	Version control & collaboration

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👥 Team Member

This project is created by Roro Jongrang Team for Indonesia Aerospace Hackathon 2026:

Name	Role	University
Stanley Nathanael Wijaya	Team Leader, Computer Science Student	BINUS University
Sophiana Kassandria Sukamto	Data Science Student	BINUS University
Kezia Meilany Tandapai	Computer Science Student	BINUS University

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📚 References

• Badan Pusat Statistik (2026). Statistik pertanian Indonesia 2026
• Otoritas Jasa Keuangan (2025). Laporan inklusi keuangan sektor rural dan 3T
• BMKG (2025). Laporan risiko iklim dan anomali cuaca ekstrem
• Boucher, S. R., Carter, M. R., & Guirkinger, C. (2008). Risk rationing and wealth effects in credit markets
• Carter, M., et al. (2014). Index insurance for developing country agriculture
• Gorelick, N., et al. (2017). Google Earth Engine: Planetary-scale geospatial analysis
• Koto, F., et al. (2020). IndoLEM and IndoBERT for Indonesian NLP
• Nair, S. S., et al. (2021). Remote sensing for agricultural carbon MRV

Full reference list available in our Proposal Document.

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📬 Contact

Have questions, feedback, or interested in collaboration?

• 📧 Email: stanley.n.wijaya7@gmail.com
• 💬 Discord: stynw7
• 🌐 Website: https://terrafin.vercel.app

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Made with ❤️ by Roro Jongrang Team | Continuing the 50-Year Legacy of Palapa Satellite