Ashoka Fellow
Fellow Since 1996
Yayasan Kesejahteraan Masyarakat Indonesia
This description of Gunardo's work was prepared when Gunardo was elected to the Ashoka Fellowship in 1996.
Gunardo is pioneering new forms of micro-lending in Indonesia through a scheme that taps the formal banking system. In addition to availing credit without physical collateral, the scheme creates a community fund that supports education and cultural activities.
The New Idea
The Problem
The Strategy
The Person

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