Enabling Credit Access for Indonesia’s Small Business Owners


Micro, Small, and Medium‑sized Enterprises (MSMEs) form the backbone of the Indonesian economy, accounting for 98 per cent of all enterprises.1 However, most do not have access to formal credit, do not delineate business and personal finances, and have limited adaptive capacity to climate risks.


Improved credit scoring mechanisms and innovative solutions to improve credit access can resolve some of these barriers to inclusion.

Fairbanc, provides a fintech solution that enables unbanked or financially underserved MSME owners to make inventory purchases on a “Buy Now Pay Later” basis. The company enables this via its proprietary AI‑powered credit scoring platform, which allows quick microcredit distribution to MSMEs.


Through this investment, ADB Ventures hopes to support economic development of MSMEs, especially those operated by women and those operating in climate vulnerable areas and thus contribute towards financial inclusion and climate resilience in emerging Asia.


Fairbanc, a fintech company with primary operations in Indonesia, partners with fast‑moving consumer goods (FMCG) companies to access distributors and retailers and provide credit management system to assign credit efficiently to qualifying MSMEs. Over 350,000 merchants have been onboarded and over 75,000 MSMEs have received microcredit, till date.


Financial Resilience

Investment Executed:

June 2021

Impact SDGs:

Target Impact:

Climate Resilience, Financial Inclusion & Gender Equality

Fairbanc aims to use the invested funds to reach more than 120,000 Indonesian MSME operators, the majority women‑operated by 2025.