
Amartha Sustainability
Empowering Grassroots Sustainably

About amartha.org
At Amartha, ESG principles guide our commitment to sustainable and inclusive finance. In collaboration with Amartha.org, we advance environmental responsibility through Amartha Lestari, strengthen community well-being and women empowerment through Amartha Madani, and uphold ethical, transparent practices through Amartha Bestari, creating long-term value for underserved communities.

Amartha ESG Goals

Environmental Goals
Protect the environment while promoting economic growth.

Social Goals
Deliver impacts on the lives of pur customers. team members, and communities.

Governance Goals
Establish a secure polatform through an accountable governance approach.

Environment Goals
As part of its Environmental, Social, and Governance (ESG) goals, Amartha is committed to fostering a sustainable future through its Amartha Lestari initiative. This pillar focuses on two key objectives:

Reducing Greenhouse Gas Emissions
Amartha aims to minimize its environmental footprint by adopting practices and encouraging initiatives that lower greenhouse gas emissions. This includes supporting eco-friendly business practices among borrowers and promoting green operations within the organization.

Promoting Sustainable Consumption and Production
Amartha is dedicated to advocating for sustainable consumption and production patterns, ensuring that resources are utilized efficiently while minimizing waste. By encouraging borrowers and stakeholders to adopt sustainable practices, Amartha contributes to long-term environmental preservation and economic resilience.
Through these efforts, Amartha seeks to create meaningful environmental impacts while aligning with global sustainability goals.

Social Goals
Under the Amartha Madani initiative, Amartha's Social ESG goals are centered on fostering inclusive growth, ethical practices, and improved livelihoods for communities. This pillar focuses on the following objectives:

Promoting Sustainable Financing
Amartha is committed to ensuring that its financing initiatives are sustainable, supporting businesses that align with long-term economic, social, and environmental goals. This includes empowering MSMEs (Micro, Small, and Medium Enterprises) to achieve resilience and growth.

Promoting Ethical Lending
By adhering to ethical lending practices, Amartha ensures fairness, transparency, and responsibility in its operations, building trust among borrowers and fostering financial inclusion.

Driving Women Empowerment
Women are at the heart of Amartha’s mission. By providing financial access and support, Amartha empowers women entrepreneurs in rural communities, enabling them to contribute significantly to their families and local economies.

Improving Well-being
Amartha actively works to enhance the overall well-being of its borrowers and communities by providing resources, knowledge, and support that lead to better financial stability, health, and quality of life.
Through Amartha Madani, the company strives to create social impact, ensuring that its operations benefit individuals and communities while aligning with its broader ESG goals.

Governance Goals
Under the Amartha Bestari initiative, Amartha's Governance ESG goals focus on fostering ethical practices, transparency, and accountability across all operations. This pillar is guided by the following key objectives:

Protecting Customer Data Privacy
Amartha prioritizes the security and confidentiality of customer data. By implementing robust data protection measures and adhering to regulatory standards, the company ensures the privacy and trust of its borrowers and stakeholders.

Respecting Equal Rights
Amartha is committed to upholding equality and fairness, ensuring that all individuals—regardless of gender, ethnicity, or background—are treated with respect and provided equal opportunities within its ecosystem.

Maintaining Trustworthy Partnerships
Building and maintaining strong, trustworthy relationships with partners is central to Amartha’s governance principles. By fostering transparency, mutual respect, and collaboration, the company ensures long-term success and shared value creation.
Through Amartha Bestari, the company upholds the highest standards of governance, reinforcing its commitment to ethical operations and sustainable growth.

Asia Grassroots Forum
The Asia Grassroots Forum (AGF) is an annual forum that brings together organizations, institutions, and industry players to build tangible collaborations aimed at expanding the impact on Asia's grassroots economy through innovation and inclusive finance.



Program Impact
Grow for Good
Amartha has planted more than 12,000 mangrove and productive trees across Indonesia, including Bali, Central Java, West Nusa Tenggara, and Yogyakarta. The Grow for Good program aims to improve community welfare, strengthen biodiversity resilience, and contribute to emission reduction.
Program Impact
Grow for Good
Amartha has planted more than 12,000 mangrove and productive trees across Indonesia, including Bali, Central Java, West Nusa Tenggara, and Yogyakarta. The Grow for Good program aims to improve community welfare, strengthen biodiversity resilience, and contribute to emission reduction.
Amartha Scholarships

Amartha Cendekia
Provides educational scholarships and a one-year mentorship programme for senior high school and vocational high school students.

Amartha STEAM Fellowship
Provides scholarships and personal development opportunities for female university students pursuing STEAM (Science, Technology, Engineering, Arts, and Mathematics).

Amartha Frontier Fellowship
Provides scholarships and leadership development opportunities for university students from Indonesia's underserved and affirmative regions.
aPartner with Us to Empower Communities
Collaborate on community empowerment programs, research, community development, and sustainable social initiatives with Amartha.org
Stories from the frontier of Indonesia
Amartha's global network and partners in creating impact
























Sustainability Report and Research by Amartha
aPartner with Us to Create Lasting Impact
Explore opportunities to fund inclusive initiatives, join volunteer programs, or build meaningful partnerships that drive sustainable change



















