Green Performance Agenda Going Green Field notes from

Green Performance Agenda Going Green: Field notes from Indonesia 1

2

3

4

5

6

7

1 2 16 4 5 12 10 13 1114 6 17 7 15 8 9 3 BPRS Hikmah Wakilah Aceh Society Development Cooperative BPR Segara Anak Kencana Koperasi DTS KSP Swamitra Srihadi Makmur BMT Amanah Madani KSP Kopdit Pelita Usaha KSP KOPDIT ADIL KSP Merapi Mulia BMT berkah Madani Akses UI LKMS Kartini KJKS IBU MANDIRI GERHATI BMT AT-TAQWA BPR Ukabima BMMS BPR Ukabima Grazia BPR Ukabima Nindya Raharja BPR Rizky Barokah BPR Nusamba Banguntapan BPR Danamas Prima 20 MFIs of Rural Banks, Cooperatives Syariah and Conventional & NBFI 103 managers interviewed 57 clients visited (16 food, 8 agri, 18 production, 11 waste, 3 service, 1 trade)

Feedback from Indonesian Experiences 2015 • National Level: Roadmap for Sustainable Finance in Indonesia by the OJK (Financial Service Authority); • Client protection and complaint for Rural Banks • Learning from SPM initiative in Indonesia • Issue Environmental and Energy is critical and becoming focus • MFI deal with this issue everyday and lack of guidelines and tools • GPA Approach: Learning process, self learning and friendly approach • MFI start giving incentive to client that prevent and help environmental damage : lowering interest rate • Change mission and policy • Product development : Green Product 9

Managing Risks of Portfolio: Clients findings Kikil • Find a replacement for the use of “tawas” (Alum) • Extinguisher • Protection for frying area