Amartha as a technology company that builds microfinance ecosystems, through Amartha.org held Amartha Impact Festival 2025 as a form of reflection on the journey and efforts in building a sustainable economy from real contributions in the fields of education, environment, and social welfare.
In the event held at Taman Ismail Marzuki on 22-23 November 2025, Amartha encouraged cross-sector collaboration from the private sector, government, community organizations, to academics in realizing sustainable community welfare.
As is known, Amartha since 2010 has assisted more than 3.3 million women micro, small and medium enterprisesUMKM) in more than 50,000 villages, with a total of more than Rp35 trillion in funds disbursed. However, in building a sustainable economy, assistance in terms of providing access to capital is still considered insufficient.
Therefore, the Chairman of Amartha.org Aria Widianto, explained the rationale behind Amartha initiating the Amartha.org as an effort to improve the welfare of the Indonesian people in a sustainable manner.
"So through its business Amartha has succeeded in increasing income, of course that in the short and medium term will help the welfare of the community, but fundamentally we see that factors such as education and the environment also contribute to improving the welfare of Indonesian people in a sustainable manner," said Aria when opening the Amartha Impact Festival 2025 event at the Gren Alia Cikini Hotel Ballroom, Jakarta, Saturday (22/11/2025).
Amartha.org since its launch in 2022, comes as a form of commitment from Amartha which focuses on education, environment, and social issues in building a prosperous future for rural communities in Indonesia.
So far Amartha.org has provided scholarships to more than 800 high school students, planted more than 7,800 trees in Kalimantan, Bali, Lombok, Central Java, West Nusa Tenggara, South Sulawesi, and East Kalimantan, and has benefited more than 8,400 recipients. All of this is done as an effort to build sustainable prosperity.
"When we want to talk about business issues, welfare issues, education and environmental factors cannot be separated because they are also pillars that support this welfare as a whole," he said.
Through various initiatives, Amartha.org conducts cross-sector collaboration to address a number of issues in the three pillars. The collaboration aims to expand the reach of Amartha's social impact.
"We see that to solve this big problem, Amartha cannot work alone. Amartha does have enough resources to run the business, but to create bigger changes, we cannot do it alone," Aria continued.
A number of speakers were presented by Amartha.org in a panel discussion session at the Amartha Impact Festival 2025 event. This discussion explored challenges in the environmental field, especially in coastal areas, the importance of empowering women, and strengthening education for the community.
Ganis Riyan Efendi, President Director of Yayasan Inspirasi Keluarga Kesemat (Ikamat), highlighted the importance of protecting and preserving the environment as an effort to create a sustainable economy and welfare for the community.
Ikamat itself is an organization that aims to improve the health of mangrove ecosystems and realize the prosperity of communities in Indonesia's coastal areas.
"Ikamat is a foundation that focuses on mangrove rehabilitation activities or programs. We have four main pillar programs, namely mangrove planting and monitoring, mangrove research, community empowerment, and finally the development of mangrove creative industries," Ganis explained.
Protecting the environment is also considered very important. Ganis mentioned one example in this regard is preserving the mangrove ecosystem. This is because mangroves can be the main ingredient for creative products such as natural dyes, crafts, and even food, thus creating a source of income for coastal communities.
"Usually in the mangrove coastal ecosystem area, our approach is to provide opportunities to increase economic income and utilize the wives of fishermen and the wives of tethers or mangrove farmer groups to increase their economic income," he said.
Therefore, environmental sustainability is closely related to community economic development. The issue of protecting the environment also requires the entire community to work together.
"So if for example the natural resources cannot be maintained, of course the raw materials cannot be processed into products and cannot produce economically, so it is very related," he said.
In terms of social welfare, Ministerial Expert Staff for Institutional Relations of the Ministry of Women's Empowerment and Child Protection (PPPA) Indra Gunawan was also presented to give his views and solutions from the government to overcome this.
The Ministry of PPPA also continues to collaborate with various parties to overcome a number of problems and challenges that occur in the community. Ganis also said that the problem of violence against women and children is also caused by economic factors.
"Violence against women, violence against children occurs, one of the factors causing it is economic issues. Therefore, of course, we need to improve the welfare of families, women and children together," Indra said.
She explained that her office continues to strive to ensure that women and children get equal participation opportunities and benefits in Indonesia's development. This is because the Ministry of PPPA revealed that the level of women's participation in various strategic sectors, including further education and the world of work is still low.
Based on data from the Ministry of PPPA, women working in the technology sector have only reached 27%, female academics in technology institutions are also only around 35.7%.
"We really appreciate what Amartha has done because it is in line with the various efforts we have made together, especially in empowering and favoring women in terms of access to finance. Not only that, through Amartha.orgAmartha also presents many initiatives, including in the fields of education and the environment, which are also in line with our efforts," he explained.
Amartha.org intervened in the education sector by distributing scholarships amounting to Rp5 billion to 816 students from 40,000 applicants as an ongoing effort to support and empower women.
There are three scholarship programs presented by Amartha.org, Amartha Cendekia for high school and vocational school students, Amartha STEAM Fellowship for college students, and Amartha Frontier Fellowship for students in remote areas. The focus of this program is to foster the character of young leaders, so that they become social innovators at the rural level.
One of the scholarship recipients is Monica Maharani, a University of Indonesia student from Karawang. Monica, with the help and assistance of Amartha, successfully initiated the Safe Home project, a platform that provides a safe, inclusive space and access for survivors of gender violence to get psychosocial support and education.
"The Amartha scholarship has inspired me to take an active role in serving the community. With Safe Home, I want to provide a safe space without stigma. I am grateful that this idea is fully supported by Amartha.org and hope that it can be replicated and expanded to other communities," said Monica.
What is being done by Amartha.org also inspired Monica along with her colleagues, where Monica as a student also did community service.
"I feel like I'm Amartha's mini-me. I once did a community service program called Women Ecopreneurship. We trained mothers in the Depok area related to financial support, and also made them economically empowered," she said.
Amartha Impact Festival 2025 also presents 10 women partners of Amartha-assisted UMKM such as Kebaya Mbok Dhe, Ethnic Fashion, and Master Lemon who sell and introduce their products in the bazaar area.
Amartha Founder & Ceo Andi Taufan Garuda Putra, added that his party will continue to provide impact and benefits to the community not only in terms of access to entrepreneurial capital.
"Amartha is not only a fintech providing access to capital, but we are trying to contribute more, and collaborate with more parties beyond financial access, including what we are now initiating is education, and well-being as well," he added.
Amartha will also continue to make new innovations to develop the economic ecosystem in Indonesian regions, by collaborating across sectors with various parties.
"Amartha continues to hope that we can continue to contribute to building the country's economy, especially how we support the economy in the regions," he concluded.
