In 2020 and 2021, Women’s World Banking conducted exploratory research — both qualitative and quantitative — to map the linkages between women’s financial inclusion and women’s economic empowerment in Indonesia. Grounded in an analysis of norms governing women’s agency, ability to enact preferences, bargaining power, and financial independence, this resulting report provides a conceptual framework to move Indonesian women from financial inclusion to empowerment.

The report is directed at financial services providers (FSPs) and financial inclusion advocates. It concludes with recommendations to inform better design and implementation of financial tools and resources for women in Indonesia.

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