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PISAgro | Partnership for Indonesia Sustainable Agriculture

Working Group - Agri-Finance & ICT


According to World Bank’s Global Findex Database, in 2017 Indonesia was home to 95 million unbanked adults. The reasons for this include lack of access to finance, inability to fulfil administrative requirements (such as having a national identification number), relatively high account maintenance service fees and low financial literacy rates. The government and financial service sectors have been trying to address this by jointly creating new solutions that will help rural farming communities gain access to the finance they need to buy better agricultural inputs, improve productivity and expand their farms.


  • Advising relevant ministerial offices on adjusting the subsidized farmer lending program to be available for more crops.
  • Exploring opportunities for collaboration between the private sector and banks to provide end-to-end financial support solutions for smallholders.
  • Examples in the network include BRI’s Kartu Tani.



Leader: Bank Rakyat Indonesia (BRI)

  • Bank Andara.
  • Bank Negara Indonesia (BNI).
  • DFAT (Australia-Indonesia Partnership for Promoting Rural Incomes through Support for Markets in Agriculture, or AIP-PRISMA).
  • IDH.
  • International Finance Corporation (IFC).
  • Koltiva.
  • Mercy Corps Indonesia.
  • Rabobank Indonesia.
  • Swiss-Re.
  • Swisscontact.