Across Indonesia, many women run small businesses that support their families and communities. Yet those operating outside the formal financial system often struggle to access the financing they need to grow.
Amartha combines financing with financial literacy training, local support and digital tools. Swedfund’s USD 25 million loan is expected to help Amartha expand access to financing for businesses led by women, particularly in rural and underserved areas of Indonesia.
Lim Maryati, Cabbage farmer
“After receiving additional capital from Amartha, my business grew, and I was even able to buy land. Now I am saving for the future.”
For many entrepreneurs, access to finance can strengthen both the business and the household. It can create greater financial security and make it possible to invest and plan for the future. Increased production and sales can create jobs and new sources of income within the local community.
Access to finance is one part of Amartha’s work. Its field teams also help entrepreneurs strengthen their financial skills and use digital tools to manage their businesses and payments.
Nani, Noodle cracker producer
"I hire employees from my neighbours, people who were previously unemployed and looking for work."
Impact in numbers
| test | test | |
|---|---|---|
| 3.91 million | Women borrowers supported cumulatively by December 2025. | |
| Nearly 63 per cent | Average growth in net income compared with 2024 among the 2.36 million borrowers whose income increased in 2025. | |
| 98,224 | Borrowers who hired their first employee in 2025. Women filled 96.5 per cent of these positions. | |
| Source: Amartha Sustainability Report 2025, pages 13, 14, 63 and 64. These figures are reported by Amartha and cover its wider operations, rather than results attributable solely to Swedfund’s investment. |
Oktavia Aya Anggraini, Business Manager at Amartha
“My daily work involves guiding entrepreneurs in financial literacy and helping them use the AmarthaFin app.”
