Bina Artha means ‘capital for development’ and that’s precisely what the microfinance institution aims to achieve: it provides small loans to entrepreneurial women to start or expand business activities.
Bina Artha’s areas of operations are spread over Java, with a focus on rural areas. It has recently introduced a sanitation loan that allows people to install an in-house toilet. With this sanitation loan Bina Artha addresses a key challenge in Indonesia: 40% of the population in Indonesia, 100 million people, still has no access to proper sanitation. Many use a makeshift facility on farmland or a ditch.
This example illustrates the role that inclusive finance plays in supporting other goals beyond those of stimulating entrepreneurship and economic growth, in particular with regard to the fulfilment of basic needs, such as, in the case of Bina Artha, access to clean sanitation.
Impact figures 2016
Number of loan clients
Percentage female clients
Percentage rural clients
Average loan amount
The loan provided by Hivos-Triodos, Triodos Fair Share Fund, and Triodos Microfinance Fund supports Bina Artha in realising this ambition.