This study takes a comprehensive look at the relationship between financial inclusion and economic empowerment through contextual factors such as social norms, income, and financial capability among women artisans in Indonesia.

This paper presents research findings on the key challenges women face in accessing digital financial services and the design opportunities for the financial sector, policymakers and regulators, the philanthropic sector, NGOs, and designers everywhere.

Grounded in an analysis of norms governing women’s agency, ability to enact preferences, bargaining power and financial independence, this report provides a conceptual framework to move Indonesian women from financial inclusion to empowerment.

This report focuses on building the knowledge, skills, and attitudes necessary for customers to engage with digital financial services.

In this publication, as part of its Low-Income Lives series, MicroSave highlights the results from its research on the perceptions around existing financial products and the need for new ones among the Central Java’s rural youth.