Academy session 4 of 6 · Saturday, 31 October 2026
Finance & Business Viability
Can the business realistically make money and survive? Finance without the jargon.
Open to everyoneFree to attend — Saturday, 31 October 202612:00–14:00 UAE time15:00–17:00 WIB (Jakarta)
Register now so we can email you the Zoom link
One registration covers all six Academy sessions. It is free and open to everyone, and we will send each Zoom link to your email before the session.
Already registered as a YES 2026 participant? You do not need to register again — your Zoom links come with your participant registration.
The key question
Can this business realistically make money and survive?
What you will learn
- Understand revenue, costs and margins
- Read cash flow and break-even
- Build a simple financial projection
Takeaway
A basic financial overview and key assumptions for your Business Proposal.
Your speakers
Risqi Widayat
SME Business Group Head, PT Bank Syariah Indonesia Tbk
Risqi Widayat is SME Business Group Head at PT Bank Syariah Indonesia Tbk — a banker who has spent a career on the side of finance that decides which businesses get funded: managing commercial and retail financing, and running the linkage programmes that extend bank financing through partner institutions.
Risqi has also managed nucleus–plasma oil palm partnerships across Sumatra, Kalimantan and Sulawesi — arrangements that only work when every party, from the plantation company to the smallholder, can see how the numbers add up.
Target-driven, a natural team leader and strong at building relationships with customers and partners, Risqi brings the lender’s view to this session: what makes a business worth financing, and what makes a bank say no.
Tjahjono Soebroto
Senior Executive Officer, BSI Middle East — Dubai Branch
Tjahjono Soebroto is the Senior Executive Officer of PT Bank Syariah Indonesia (Persero) Tbk, Middle East — Dubai Branch, the bank’s presence in the UAE.
Before BSI, Tjahjono built a banking career at Bank Mandiri, Citi and Standard Chartered Bank Indonesia, across cash and trade business, risk management and business development.
Those are the disciplines that decide whether a business can fund its growth, move money across borders and survive its risks — and the questions a bank asks before it says yes. That is the view Tjahjono brings to this session.
Tjahjono is an alumnus of the Faculty of Economics at Universitas Gadjah Mada and holds an MBA from Monash University.
The YES 2026 competition
Ready to turn your idea into a business?
The Academy sessions are free and open to everyone. Join YES 2026 as a participant and you also submit a business proposal reviewed by practitioners, pitch at the Semi-Finals, and compete for the Grand Final in front of a five-seat panel — 9 September 2026 – 31 January 2027. Free to enter, for Indonesian citizens aged 18–35 living in the UAE.
Questions about this session?
Write to info@sayyes.ae. All six sessions are listed on the speakers page, and the full schedule sits on the programme page.
