Amartha is a pioneering financial technology company dedicated to fostering equitable prosperity by developing digital financial infrastructure for Indonesia's grassroots economy. Established in 2010, Amartha began as a microfinance institution connecting rural micro-enterprises, primarily led by women, with access to affordable capital. Over the years, it has evolved into a comprehensive microfinance ecosystem, offering capital, investment, and payment services to empower micro and small entrepreneurs. By enhancing the competitiveness of these businesses, Amartha contributes to job creation and promotes inclusive economic growth. Key Features and Functionality: - Microfinance Marketplace: Amartha's platform connects individual and institutional lenders with underserved rural borrowers, facilitating direct funding to small businesses and SMEs in rural areas. - AI-Driven Risk Assessment: Utilizing advanced algorithms, Amartha assesses the creditworthiness of borrowers, even those without prior credit history, ensuring effective risk management. - Comprehensive Support Services: Beyond financing, Amartha provides financial literacy, health, and sanitation training to borrowers, enhancing their overall well-being and business acumen. - Community-Based Lending Model: Loans are disbursed through self-arranged groups, fostering communal responsibility and ensuring higher repayment rates. Primary Value and User Solutions: Amartha addresses the significant gap in financial inclusion among Indonesia's rural micro-entrepreneurs, particularly women, by providing them with access to affordable capital and essential training. This empowerment enables these entrepreneurs to expand their businesses, increase family incomes, and improve their quality of life. For lenders, Amartha offers an opportunity to invest in a socially impactful manner, yielding attractive returns while contributing to sustainable economic development. By bridging the gap between unbanked micro-entrepreneurs and potential investors, Amartha drives inclusive growth and shared prosperity across Indonesia.