Modernizing Micro Finance for People Who Work in Informal Economic Sector and Categorized in the Bottom of the Pyramid

About Us


Amartha was established in 2010 as a micro-financing company in order to bridge micropreneurs with online potential lenders.

The amount of micropreneurs who had difficulties to raise funds for their business due to limited access, income fluctuation, and no credit history was the beginning of our story. We believe these micropreneurs can evolve to become quality borrowers with the right technology and the spirit of cooperation. Investing in microbusinesses is also proven to create a great deal of social impact.

We believe the easiness to funding access for micropreneurs will contribute to improve the well-being of the people categorized at the bottom of the pyramid, build economic resilience, and social justice for all.


Amartha is led by a passionate team whose goal is to accelerate the growth of a more inclusive economy in Indonesia.


Aria Widyanto

Chief Risk and Sustainability Officer

Aria believes that microbusinesses can be modernized with technology. Prior to joining Amartha, he worked at Bank of Tokyo-Mitsubishi UFJ and Citibank. He received YSEALI award from President Barack Obama in 2015 and International Alumni Impact Award in 2017. He received his Master of Science Degree from Nanyang Technological University and bachelor degree from Universitas Gadjah Mada.


Andi Taufan Garuda Putra

Founder & CEO

Taufan founded Amartha in 2010 and has been numerous receiving awards ever since including EY Entrepreneur of the Year Finalist, EY, Astra Satu Indonesia Award, Laureate Global Fellow, and ITB Ganesha Innovation Champion Awards. He received his Master of Public Administration degree from Harvard Kennedy School and bachelor degree from School of Business and Management Institut Teknologi Bandung.


Hadi Wenas

Chief Commercial Officer

In tech industry, Hadi Wenas is renowned. With 18 years of experience in startups and multinational companies, he successfully built Zalora, aCommerce, and Graduated with masters degree in Computer Science from Stanford University, he is determined to fulfill his dream: improving the well-being of women in rural areas across the nation with Amartha.


Budhi Siswoadji

Chief Operating Officer

Budhi Siswoadji’s name is familiar in the realm of financing and empowering the micro segment in Indonesia. For 25 years he has experience handling the micro business segment at Bank Bukopin, PNM, MICRA, Sampoerna Microfinance, and PT. Bina Artha Ventura. And now he is joined with Amartha. This Pelita Harapan University Master of Management graduate believes that with equal access to resources, health, education and business capital, Indonesia can become a developed and empowered country.


Medi Triyanto

VP of Operations

Medi is an expert in IT operations with years of experience in fintech industry. He received his masters degree in Management from Universitas Indonesia and bachelor degree in Civil Engineering from Institut Teknologi Bandung.


Ramdhan A

Chief Financial Officer

Ramdhan is both an entrepreneur and a professional accountant (CPA) with various experience in different industries. Prior to joining Amartha, he was Managing Partner at Mika Trikarya Indonesia, and had worked for Tokio Marine Insurance Group. He graduated from University of Indonesia with bachelor degree in Accounting.

Media Coverage

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Indonesia from the bottom of the pyramid
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