Impact Credit Solutions (“ICS”) enables small business lending in South East Asia by providing lending technology, credit analytics and/or funding structures.

About Impact Credit Solutions

ICS enables financial service providers to lend to SMEs by providing lending technology, credit analytics and/or funding structures to bridge technology gaps and mitigate risk. ICS promotes financial inclusion by ensuring loans can be offered to small businesses that are affordable for borrowers and attractive for lenders. They have been active in Indonesia for the last two years, working closely with a leading local bank and the rest of the financial ecosystem. The team is roughly 50% technology and 25% credit analytics representing their commitment to bring solutions based on technology.

The Program

ICS develops dedicated lending programs with financial service providers that focus on various impact themes, such as healthcare, gender equity, food security and climate change. They also apply gender lens investing (GLI) as a strategy across all their programs. This means ICS work with financial service providers that have a diverse leadership team/workforce and/or promote products that benefit the needs of women and girls. Two examples of the impact-themed lending programs are:

  1. The Indonesian Resilience Fund, a US$40 million fund that provides credit to SMEs within the healthcare and essential goods sector. Through this fund, ICS have originated healthcare financing opportunities with the local lending partners and brought down the cost of capital through blended finance structures supported by development finance institutions. The GLI framework for this fund means they focus on healthcare opportunities that benefit the needs of women e.g. financing ultrasound equipment for maternal care by hospitals and midwives.
  2. The Women Empowerment Initiative, a dedicated woman lending program with a target facility size of US$100 million. The program provides working capital loans for women-owned SMEs in Southeast Asia. In Indonesia, women represent 45% of SMEs but on average receive smaller loan amounts compared to men. This lack of credit is limiting these women entrepreneurs‘ability to grow their businesses, limiting them to smaller, less-capital intensive sectors regardless of their ability to manage the business. In their women lending program, ICS provides intentional outreach to women-SME owners through training programs, networking events, and an easy digital application process.



43% of ICS’s 
management team are women

87% of ICS’s 
women employees are in technical/professional functions

50% of ICS’s 
lending partners either have a gender-balanced leadership or workforce 

+US$25M of loans to women since 2019

83% of loans disbursed to women vs. men

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