This demand-side study reveals the structural and digital barriers faced by Indonesian women e-commerce entrepreneurs. Despite representing 64% of MSMEs, women earn 22% less on average than men. Challenges include low access to finance, limited mentorship, and digital literacy gaps. Through survey analysis, the report finds that only 44% of women-led online businesses survive beyond three years, emphasizing the fragility of gendered digital participation.
The report calls for gender-responsive design in financial products and platforms. It advocates inclusive data use, mentorship networks, and co-created digital finance tools. We conclude that closing the gender digital finance gap could add USD 11 billion annually to Indonesia’s economy.
Bibliography:
Salyanty, A. (2023). Building Digital Finance Solutions for Women E-Commerce Entrepreneurs: A Demand-Side Exploration in Indonesia. Women’s World Banking.