Amartha is a peer-to-peer (P2P) lending platform in Indonesia, with a mission to bring inclusive digital financial services to grassroots communities.

Many of the customers Amartha serves are rural women micro-entrepreneurs with low digital savvy. Amartha’s borrowers transact primarily in cash, hindering access to digitally disbursed loans. Moreover, they may live up to 30km from the nearest bank, or sacrifice income in order to set up bank accounts. The advent of digitalisation in Indonesia has also threatened to create new disparities due to differences in digital literacy, especially between urban and rural populations and between Indonesia’s bottom of the pyramid and other communities.

To address this, Amartha's impact thesis is that providing inclusive access to working capital and massive digital literacy education will lead to MSME growth, and a better and more equitable prosperity in Indonesia. Amartha’s customers run small businesses including home businesses selling processed food or handicraft products, sundries shops, beauty salons, and small agriculture. By providing embedded financial education, using alternative data for credit scoring, and adhering to international standards, Amartha's customers have been able to graduate up the financial ladder.