Impact Credit Solutions (ICS) finances small businesses 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. Since 2019, ICS has promoted financial inclusion in Indonesia by ensuring loans can be offered to small businesses that are affordable for borrowers and attractive to lenders.  The team is roughly 50 percent technology and 25 percent credit analytics, representing ICS’s commitment to bringing tech-based solutions to the market.

The Program

ICS works with financial services providers to create financial solutions that focus on driving impact in areas such as healthcare, gender equity, food security and climate change. They also apply gender lens investing (GLI) as a strategy across all their programs. To do this, ICS works with lenders that have diverse leadership teams and workforces and/or promote women-tailored products. 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. The GLI framework for this fund means they focus on healthcare opportunities that benefit the needs of women, for example, 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 to provide capital loans for women-owned SMEs in Southeast Asia.



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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