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Bina Artha Ventura
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Bina Artha Ventura

Microfinance (Social)

PT. Bina Artha Ventura (Bina Artha) is established in 2011 and active in Java, Indonesia. Bina Artha means ‘capital for development’ and that’s precisely what it aims to achieve: the institution provides small loans to entrepreneurial women to start or expand business activities.

Bina Artha’s areas of operations are spread over Java, with a focus on rural areas. 50% of the households the institution serves, live below the poverty line of 2 US dollars a day. Bina Artha’s long-term vision is to be a leading provider of specialised financial services in Indonesia. The loan provided by Hivos-Triodos, Triodos Fair Share Fund, and Triodos Microfinance Fund supports Bina Artha in realising this ambition.

KEY INDICATORS as of 31 December 2016:

- number of loan clients: 198,595
- percentage female clients: 99%
- percentage rural clients: 84%
- average loan amount: EUR 109
- number of savings clients: -



Whoever you are, and wherever you live in the world, you are likely to want permanent access to financial services. Microfinance banks play a crucial role providing access to finance to an increasing number of people living on low-incomes. We finance microfinance institutions because they help to build inclusive financial sectors, where the majority of people have access to financial services, leading to a sustainable basis for balanced social and economic development.

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