This study analyzes digital and financial inclusion among ultra-micro entrepreneurs, focusing on gender dimensions. With 95% of government-backed borrowers being women, the report reveals gaps in confidence, risk perception, and financial capability. These differences, not discrimination, limit women’s access to broader formal financial systems.
The authors recommend tailored training, gender-sensitive digital products, and integration between financial institutions and community support systems. The report concludes that empowering women in ultra-micro enterprises strengthens household resilience and national financial inclusion.
Bibliography:
Salyanty, A., & Askar, M. W. (2022). Economic Resilience and Digital Adoption among Ultra Micro Entrepreneurs in Indonesia. Women’s World Banking.