Unlocking Financial Access for MSMEs: Strive Learning Network Expert Panel


Rama Hidayat


4 minutes read

Strive Indonesia hosted the second Strive Learning Network session titled “Ask the Expert,” which provided valuable insights into the financial access landscape for Micro, Small, and Medium Enterprises (MSMEs) in 2024. This live Q&A and discussion session brought together three experts from both the private sector and government officials to engage with financial service providers, small business enablers, development agencies, NGOs, government offices and address pressing questions submitted by the audience.

The session served as a platform for participants to delve into key topics surrounding financial access and cooperation between the public and private sectors. To foster greater accessibility of financial services, the experts which are coming from ​BRI (Rokhmadi, VP of BRILink) and Koinworks (Angelique Timmer, Chief of Impact dan ESG) explored innovative financial solutions tailored to address the unique challenges faced by MSMEs. From digital banking solutions to alternative financing options, participants gained valuable insights into the evolving strategies being deployed by financial providers.

Moreover, the session delved into the realm of risk mitigation strategies, offering participants a deep dive into effective approaches adopted by financial providers to navigate the uncertainties associated with serving MSMEs. By understanding these strategies, participants could better equip themselves to mitigate risks and seize opportunities in the dynamic financial landscape.

Furthermore, the discussion was extended by ​The Financial Services Authority (OJK) (Dian Rose Sundari, Deputy Director of Financial Inclusion) to encompass the broader policy landscape affecting MSME financial access, providing attendees with a comprehensive understanding of the regulatory environment and its implications. Additionally, participants had the opportunity to explore potential collaborative opportunities between the public and private sectors, paving the way for enhanced cooperation and innovation in the realm of financial services.

“Ask the Expert” sessions are a cornerstone of Strive Learning Network’s commitment to facilitating knowledge sharing and fostering collaboration within the financial services ecosystem. By bringing together industry experts and thought leaders, Strive Learning Network empowers participants with the insights and strategies needed to navigate the complex challenges of the modern business landscape.

Participants who joined the session gained invaluable insights into the future of financial access for MSMEs, engaging with a panel of experts who provided practical guidance and actionable strategies.

Here are some of the key takeaways:

  • Comprehensive Risk Mitigation Strategies: Participants gained insights into the multifaceted approach to risk mitigation employed by financial providers. From credit risk to market volatility, experts elaborated on the importance of proactive risk management strategies tailored to the unique needs of MSMEs. This included measures such as diversification of portfolios, robust credit assessment frameworks, and leveraging technology for real-time monitoring and early detection of risks.
  • Utilisation of Database for Informed Decision-Making: The session emphasised the critical role of data in informing decision-making processes within the financial sector. Experts highlighted the importance of leveraging comprehensive databases to assess creditworthiness, track market trends, and identify emerging opportunities. By harnessing the power of data analytics and artificial intelligence, financial providers can optimise their operations and offer more tailored solutions to MSMEs.
  • Enhanced Monitoring Mechanisms for MSMEs: Participants gained insights into innovative monitoring mechanisms designed to better understand and support MSMEs. Experts discussed the importance of real-time monitoring tools and performance metrics to assess the health and growth potential of MSMEs. By adopting a proactive approach to monitoring, financial providers can identify early warning signs and intervene effectively to support the sustainability of MSMEs.
  • Policy Support for MSME Financial Inclusion: The session shed light on the critical role of policy support in fostering MSME financial inclusion. Experts emphasized the importance of creating an enabling regulatory environment that incentivizes financial institutions to extend services to underserved segments. This includes initiatives such as streamlined licensing procedures, tax incentives, and targeted credit guarantee schemes to mitigate risks associated with lending to MSMEs.
  • Innovative Financing Schemes Tailored to MSMEs: Participants learned about the importance of designing financing schemes that cater to the specific needs and challenges faced by MSMEs. Experts discussed the role of flexible repayment structures, collateral-free lending options, and sector-specific loan products in expanding access to finance for MSMEs. By tailoring financing schemes to the unique requirements of MSMEs, financial providers can unlock new opportunities for growth and entrepreneurship.


About Strive Learning Network:

Strive Learning Network, an integral component of the global Strive program by the Mastercard Centre for Inclusive Growth, operates in Indonesia through a strategic partnership with Mercy Corps Indonesia and the Indonesia Social Impact Centre (ISIC), an initiative spearheaded by AVPN. As a collaborative effort between these renowned entities, Strive Learning Network is dedicated to advancing knowledge, inclusive growth and fostering social impact within Indonesia’s vibrant ecosystem. Through different learning experiences, Strive Learning Network empowers individuals and organisations with the knowledge, skills, and resources needed to drive positive change and address key societal challenges, specifically in the MSMEs development. By leveraging the collective expertise and networks of its partners, Strive Learning Network plays a pivotal role in promoting sustainable development and creating pathways to prosperity for MSMEs development across Indonesia.


A. Environmental Stewardship
To protect the environment, we organize programmes like mangrove nursery and Reforestation, Coastal and River Clean-Up, Community Based Environmental Solid Waste Management, Environmental IEC Campaign and Eco-Academy

B. Food Security and Sustainable Livelihood
To ensure a sustainable livelihood for the community, eco-tourism include Buhatan River Cruise Visitor Center Buhatan River Mangrove Boardwalk are run by the community. Others include Organic Vegetable and Root crops Farming, Vegetable and Root crops Chips and by-products Processing and establishing a Zero waste store.

C. Empowered Communities
To empower the community, we provide product and Agri-Enterprise Development Training, Immersion and Learnings Exchange Program, Earth Warrior Training and Community Based Social Entrepreneurship Training


Rama Hidayat

Senior Associate, Indonesia at AVPN

Rama joined AVPN as the Indonesia Consultant. He works along with Indonesia Country Director to grow the AVPN high quality network and ecosystem. He contributes in assisting the development of strategy, idea, and knowledge towards AVPN as the top social investment ecosystem builder in Indonesia. Rama is a passionate impact and sustainability enthusiast. He started his career as a mentor for small medium enterprises (SMEs) in second largest city in Indonesia, Surabaya. He built a social enterprise in Surabaya and his work has been covered widely by local and international media such as CNN Indonesia, Jawa Pos, Merdeka.com, and others. This achievement brought him to get an exclusive course in University of Connecticut, US and learned more about social entrepreneurship and economic growth.

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