Indonesia, a member of the G20 since2008, has become one of the largest economies worldwide withthe promise of substantial growth potential in the comingdecades. In order to realize this potential, the governmentof Indonesia has identified the role of the Micro, small andmedium enterprise sector as pivotal to promoting growth,creating jobs, and alleviating poverty. This jointInternational Finance Corporation (IFC) study on Women-OwnedSmall and Medium Enterprises (SMEs) in Indonesia makes asignificant contribution in understanding women’s economicempowerment in the country by presenting a comprehensiveanalysis that captures original data.More than half ofIndonesia’s SMEs are owned by women. And even thoughbusinesses run by women and men should in theory contributeequally to economic growth, the reality is that women facemany more constraints in starting and growing theirbusinesses, including obtaining business finance. This studyintends to inform the government, private and state-ownedbanks, and the international community about the constraintsfaced by small businesses, particularly those owned bywomen. Additionally, the objective is to establish abusiness case for banks to help them realize the growthopportunity and contribute to their profitability byservicing this sector. It is clear from this report thatsignificant reform will be necessary to improve both thebusiness enabling environment for women and moreimportantly, to increase their access to finance. This bookis arranged as follows : Following introduction, Chapter 2provides an overview of the SME sector and summarizes thekey findings about the enabling environment. Chapter 3discusses access to finance, and the supply and demand ofbank loans for SMEs and women-owned SMEs, Chapter 4 focuseson specific challenges, patterns of access, usage and demandfor financial services by women-owned SMEs. Chapter 5provides recommendations for the government, Bank Indonesiaand banks in general, and Chapter 6 draws conclusions.
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