1. Choose the audience you want to help
Start with one need you can explain rather than trying to serve everyone. An example starting audience:
Write three questions they commonly ask, using everyday words. Name an accurate city or area when place matters to the content. Where you live does not necessarily describe where viewers live.
2. Try these three content ideas
- 01
A simple cashbook with hypothetical numbers.
- 02
Calculate the cost of one product.
- 03
A business mistake explained with context and evidence.
Choose one you can make with your existing equipment and access. You do not need to buy something new simply to begin.
3. Complete your first exercise
Create a clearly labelled hypothetical business. Separate revenue, expenses and the remaining amount. Show the arithmetic so viewers can check it. Never present a scenario as actual earnings.
A simple script pattern
- Question: “Not sure about …?”
- Evidence / process: “I tried … under these conditions …”
- Conclusion: “What I found … The limitation …”
- Invitation: “Which part should I explain further?”
4. Review before publishing
Avoid guaranteed returns, personalised investment advice and financial promotions without checking legitimacy and applicable rules. OJK Regulation 6/2026 requires financial influencers to work only with OJK-licensed institutions and to state their identity and commercial relationship, for example “paid partnership”.
Watch without sound to check captions. Listen without looking to check audio. Make names, sources, dates and commercial relationships clear. Ask one person for feedback before publishing.
5. Learn from the result and make the next version
Record title, date, format, production time and cost. After the same measurement period, compare watch time or saves where available. Read questions relevant to the subject. Change one thing in the next experiment so the difference is easier to understand.
How can you earn money?
Business content production, original templates, workshops within your competence or business-app sponsorships.
- UGC
- You are paid to create brand content. Publishing on your account is not automatically included. Specify deliverables, format, revisions and usage rights.
- Endorse / paid promote
- You are paid to publish to your audience. Disclose the sponsorship and make only supportable claims.
- Affiliate
- You receive commission for qualifying transactions. Check account approval, products, attribution, cancellations and payment rules.
How much could you earn? There is no fixed amount. Start from zero and account for actual costs. Use scenarios to understand the arithmetic rather than predict a salary. Open income examples and the calculator. Work out your rate card · ID Creator glossary · ID
Free products or barter are not cash. Do not buy “guaranteed sponsorship” packages or share passwords with supposed brand representatives. Verify senders through official channels.
A 30-day practice plan for beginners
Adjust to your time and circumstances. The first month’s goal is a portfolio and a clearer idea of what to improve. You may earn nothing yet.
- Days 1–7
Choose & prepare
Choose one audience and subject. Set up your bio. Write 10 audience questions. Film one practice video with your existing phone.
- Days 8–14
Make 3 samples
Make a tutorial, a first-hand experience and a question answer. This is a practice target, not a platform posting requirement.
- Days 15–21
Publish & learn
Publish at a sustainable pace. Record questions, available watch-time data and improvements needed.
- Days 22–30
Build a portfolio
Select 3 strong samples. Define your services and limits. Prepare a media kit, practise a pitch and apply for a free CariTalent profile.
Prepare your first offer
Prepare a short portfolio with three relevant samples. State topics, services, delivery time, revisions and business contact. Give the source and period for any metrics. Label practice samples as practice rather than paid client work.
“Hello, I’m [name], a creator covering [topic]. I have an idea for [concept] to help explain [product/need]. My samples are at [link]. May I send a scope and quote?”
Make outreach personal and relevant rather than sending mass messages. Put deliverables, deadlines, fees, usage rights and cancellations in writing.
Use AI to assist, then verify
Copy this prompt and fill in the brackets. AI can help plan scripts; you must verify facts, permissions and claimed experiences. Keep client and child personal data out.
Checklist before seeking a collaboration
Check completed items. This is a learning aid, not a certification or follower requirement.
0 of 6 steps complete.
Not sent to CariTalent. Other users of a shared device may see saved progress.
Apply to be listed on CariTalent
Prepare your name, social accounts, category, work samples and a publishable business contact. Registration is free for talent aged 18 or older. Sign in with email, complete the form and track review in your dashboard. There is no minimum follower count to apply.
CariTalent does not manage talent or guarantee work. After approval, prospective partners contact you directly. There is no platform fee or talent commission.
Sources and how to use this guide
Prepared by CariTalent. Exercises, scripts and examples are editorial guidance. Feature and monetisation rules follow the official sources below and may change. Checked on 1 October 2026.
- OJK · POJK 6/2026 perilaku financial influencer ↗
- Instagram · branded content & paid partnership ↗
- TikTok · pengungkapan konten komersial / commercial disclosure ↗
- Dewan Periklanan Indonesia · Etika Pariwara Indonesia (Amandemen 2020) ↗
CariTalent methodology · ID · Report outdated information · ID
Frequently asked questions
How does a business creator earn money?
Business content production, original templates, workshops within your competence or business-app sponsorships.
What should I check before publishing business & finance content?
Avoid guaranteed returns, personalised investment advice and financial promotions without checking legitimacy and applicable rules. OJK Regulation 6/2026 requires financial influencers to work only with OJK-licensed institutions and to state their identity and commercial relationship, for example “paid partnership”.
Do I need a large following first?
Not to learn and build a portfolio. UGC work considers production quality. Sponsored publishing considers audience fit and content performance. Affiliate and platform programmes have their own rules.
How long until I get work?
There is no fixed timeline. The 30-day plan is practice for creating work samples. Paid work depends on quality, fit, communication and opportunity.
Does CariTalent charge for a listing or take commission?
Directory registration is free with no talent commission. Applicants must be 18 or older. Submissions are reviewed and prospective partners contact talent directly.