Indonesia's Women Entrepreneurs Gain From Inclusive Finance and Insurance

A micro‑loan from the PNM Mekaar program enabled 58‑year‑old Utari of Surabaya to purchase a used sewing machine in 2019 and grow a souvenir‑bag business. The initial Rp2 million loan grew to Rp8 million, allowing her to employ four other seamstresses and support five families, while her two children completed university. By 2026, PNM Mekaar had served over 23 million clients across 36 provinces, demonstrating the broader impact of targeted financing for women.

Meanwhile, FWD Insurance Indonesia highlighted gender equality as a core business strategy, promoting female inclusion at both strategic and operational levels. The insurer argues that diversity drives sustainable growth and profitability, positioning gender‑focused policies as a model for the wider financial sector in Indonesia.