AGRICULTURE FINANCE Innovation Fund For Eastern Indonesia


MICRA’s project was funded by Ford Foundation with the objective to support innovation in the agriculture sector through collaborating with financial institutions, organizations, corporations and small scale agriculture value chains. The project ran from Au- gust’13  till June’15, totaling 2,500  small scale farmer (SSF) beneficiaries. Project Achievements:•Applying 4 financing schemes with the involvement of 8 Financial Institutions - direct financing, pre-harvest technology, financing, warehouse receipt.•Total working capital loan of over IDR 600 million disbursed to SSF. Warehouse finance and investment loan granted to cooperatives amounted to IDR 2 billion.



FINANCIAL LITERACY- Traning of Trainers


MICRA developed a program in 2008 that focuses on training in financial analysis topics like   shariah based financing and adopting a modified CGAP (Consultative Group to Assist the Poor) module. The training is typically over three days with a maximum of 15 attendees. The participants are equipped with a thorough understanding of concepts and participate in a simulation at the end of the course.  

We have delivered this program to a range of beneficiaries by tailoring the modules to address their specific requirements, varying from migrant workers, factory workers, micro-entrepreneurs to housewives etc.



Global Best Practices On Sustainable Models For Pro Poor Rural Financial Services in Developing Countries (RuFBeP)


RuFBeP was created by Asia Pacific Rural and Agriculture Credit Association (APRACA) funded by International Fund for Agriculture Development (IFAD) to identify any opportunities available in expanding access to rural financial services for low income earners in five selected countries, including Indonesia.

The first phase of the program was completed in January 2015 and successfully identified three best-practices by microfinance institutions that could serve as an example for inclusive financial services.The second phase seeks to pilot these practices in selected environments, MICRA has been chosen as the official consultant to assist in this implementation throughout Indonesia.



HERFinance- Financial Literacy Project For Factory Workers In Indonesia

In 2014 MICRA became a partner to Business for Social Responsibility (BSR) acting as the implementer for HERfinance program in Indonesia. HERfinance aims at empowering low income  workers in developing countries by promoting gender equality through workplace programs focusing on health, economic empowerment, professional development and women’s rights.

The program seeks to show the importance of financial management and assist the factory work- er’s in managing their household income and spending. It has proven to create a large impact on the worker’s financial behavior and performance in the workplace.