MICRA, or the Microfinance Innovation Center for Resources and Alternatives, is an Indonesian foundation focused on development of the microfinance sector. MICRA’s mission is to build the institutional strength and outreach of the Indonesian microfinance sector, by providing a full range of high-quality, best-practice technical inputs and support to all industry stakeholders, in a sustainable and demand-driven manner. As an independent support center, MICRA is committed to promoting innovations, transparency, and improved outreach to the poor and ever-improving performance in the microfinance industry.


Our Core  Values:

  • Quality and Innovation: To deliver high quality, innovative  products and services to clients.
  • Performance Standards: To deliver services that  result  in a high standard of performance and financial sustainability.
  • Accountability: To be accountable and responsible with high integrity and commitment to business cooperation.
  • Working Environment: To promote fairness, effectiveness, and a productive working environment.

MICRA In Numbers

... been partnering with over 2000 MFI's, that attended our technical assisstance programs on both hard and soft skills including public trainings, open group discussions, workshops, seminars, customized trainings and many others.... performed more than 500 rating activities to assess credit standing of MFI;s in Indonesia.... carried out more than 600 assessment programs whit UPK-PNPM Mandiri, initiatedby th World Bank in four Indonesia provinces, in both  urban and rural areas.... joined the bank of Indonesia's pilot program to apply its raring mechanism for SME's in JABODETABEK and Central Java.... completed more than 100 research and innovation projects on various topics including: access to finance, women empowerment, agriculture, renewable energy, advancing technology for the poor, social fund analysis,  micro insurance, and many more.


Welcome Message,


The microfinance sector in Indonesia is one of the largest in the world with over 64,000 microfinance institutions (MFIs), some in existence for over 100 years. However, most of low-income people in Indonesia still lack access to financial services. The majority of MFIs in Indonesia are characterized by low growth in outreach and inefficient systems with lack of access to affordable capital as their main constraint. There is large potential for growth in the sector if key inputs can be effectively provided on a wide scale across Indonesia.

MICRA has undertaken various projects for clients such as DIG, HIVOS, World Bank, ILO, Mercy Corps, FORD Foundation, BSR, Central Bank of Indonesia, OJK, GTZ, Grameen Foundation, Intellecap, Rabobank Foundation, Mix Market, as well as individual MFIs including BPR Inti Dana based in Jakarta, Moris Rasik in Timor Leste, CU Sawiran in East Java, KOMIDA, and many more.

For more than millions of low income underserved in Indonesia, we are here to carry the light and be the resource for innovations.



Chief Executive Officer


OJK : "Kinerja jasa keuangan dalam kondisi baik"

Jakarta, 17 Februari 2017. Rapat Dewan Komisioner (RDK) Otoritas Jasa Keuangan pada Kamis (16/2) memandang kondisi stabilitas sektor jasa keuangan Indonesia saat ini berada dalam kondisi yang normal di tengah risiko yang berada dalam level manageable.

HERfinance - Financial Liter acy Project For Factory Worker s In Indonesia

In 2014 MICRA officially became a partner to BSR as the implementation institution for HERfinance program in Indonesia. HERfinance is a part of the global HERproject, which aims at empowering low-income workers in developing countries.

Global Best Practices On Sustainable Models for Pro Poor Rural Financial Services in Developing Countries(RuFB eP)

The Asia Pacific Rural and Agriculture Credit Association (APRACA) received a grant from International Fund for Agriculture Development (IFAD) to identify the opportunities available in expanding the access to rural financial services for the poor in five selected countries, including Indonesia.