MICRA’s Research and Innovations Unit works to address critical development needs of the Indonesian microfinance sector by conducting research and developing and disseminating new technical materials on microfinance innovations. The unit conducts original social and market research in microfinance on behalf of MFIs, donors, government and other parties. In addition, the Unit conducts impact research, to gauge the success of different products and strategies, as well as to determine levels of social performance:

  • Progressive build microhousing finance;
  • Product development for Youth;
  • Improvements in technology to mobilize and manage savings;
  • Delinquency turnaround for MFIs in crisis.

Since its inception in early 2006, the Research and Innovations Unit has engaged in a number of projects, including;

  • Youth and Access to Microfinance in Indonesia: Outreach and Options
  • Client’s Satisfaction Research Baitul Qiradh Pemuda Muhammadiya (BQPM) Banda Aceh
  • Housing Loan Market Survey for Earthquake-Affected Communities
  • Indonesian Fisheries Revitalization Project Credit Guarantee Program: Short Review and Recommendations
  • Rapid Evaluation Report on Government Community Development Operations: Microfinance and Microcredit Projects
  • Personal Computer Loan Product Development
  • Micro Credit Strategy Formulation Mission for the National Community Empowerment Program (PNPM)
  • Demand and Customer Satisfaction of Financial Products and Services in Aceh Province
  • Group Lending: The Implementation of Rural Banks in Indonesia
  • Promoting Female Migrant Workers’ Access to Finance though the National Community Empowerment Program / Program Nasional Pemberdayaan Masyarakat (PNPM)
  • Protecting and Leveraging the Earnings of Migrant Domestic Workers Remittances: Scope for Improving its Leverage for Development
  • Mapping Exercise of the Small and Medium Enterprises in Indonesia
  • MFI Strengthening Mercy Corp Maluku Project
  • Market Survey for Bank Pembangunan Daerah (BPD) Aceh
  • Market survey of Micro Small and Medium Enterprises in Aceh
  • Mapping Exercise of the Small and Medium Enterprises of Agriculture sector in Java, Bali and Southern Sumatra
  • Impact Study and Customer Satisfaction of Pilot Test of ARMMA (Assistance for Restoration of Microenterprises and Microfinance in Aceh) Projects
  • Market research for microinsurance product
  • MIX Market
  • Microfinance Scan activity for PLAN International
  • Development of Customer Assessment and Feedback Toolkit for BPRs
  • Market research for product development of Bank Andara
  • Market research for Core Banking Solutions
  • Progress Out of Poverty Index (PPI) survey
  • Pro Poor MFI scoring
  • Assessment of Potential Sectors and Regions for SME Financing Initiatives
  • Evaluation of GRAMEEN FOUNDATION’S project: Sustainable Rebuilding of Aceh through Microfinance
  • Site Selection and MFI identification for pilot project
  • Premier Data Center
  • Market research for water and sanitation product financing
  • Market research on Joint Savings and ATM service
  • Mapping and market research of cooperatives

MICRA is committed to actively translating research findings and MICRA field experience into innovative practical training and consulting tools for MFIs in Indonesia. MICRA training materials are based in international-best practice standards and are developed by both Indonesian and international experts in training material development.