{
    "success": true,
    "data": {
        "id": 1826347,
        "msgid": "inclusive-sharia-financing-arrives-for-underprivileged-women-1782485580",
        "date": "2026-06-26 21:00:00",
        "title": "Inclusive Sharia Financing Arrives for Underprivileged Women",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Finance",
        "summary": "PT Permodalan Nasional Madani (PNM) is expanding its sharia-compliant financing to boost financial inclusion for underprivileged women entrepreneurs. Currently, 73 per cent of PNM's total financing portfolio uses sharia schemes through its Mekaar Syariah programme. The initiative combines capital access with business mentoring and is supported by a vast network reaching over 3,700 villages across Indonesia.",
        "content": "<p>PT Permodalan Nasional Madani (PNM) continues to strengthen its\ncommitment to providing financing services that are not only inclusive\nbut also compliant with sharia principles. This move is part of PNM\u2019s\nefforts to expand financial access for underprivileged communities,\nparticularly women ultra-micro entrepreneurs who need business capital\nas well as sustainable mentoring. This commitment is reflected in the\ndominance of sharia-based financing in PNM\u2019s portfolio. To date, 73 per\ncent of the total financing disbursed by PNM has utilised sharia schemes\nthrough the PNM Mekaar Syariah programme. This achievement demonstrates\nthe high public interest in financial services that prioritise the\nprinciples of fairness, transparency, and benefit. The service is\nsupported by an extensive network, encompassing 58 branch offices and\nmore than 4,000 Mekaar service units spread across 36 provinces, 456\nregencies\/cities, reaching over 3,700 villages and sub-districts\nthroughout Indonesia. PNM\u2019s Director of Business and Human Resources,\nHenry Yunus Kamang Pangemanan, stated that developing sharia financing\nis not merely about offering an alternative financial product, but is\npart of PNM\u2019s mission to create empowerment that is closer to the needs\nand values held by the community. \u2018Sharia financing has a strategic role\nin expanding financial inclusion while strengthening community\nempowerment. Through sharia-based products, we not only provide access\nto capital but also deliver mentoring and business capacity building so\nthat customers can grow sustainably, improve family welfare, and create\na social impact for their surroundings,\u2019 Henry said in a written\nstatement on Friday, 26 June 2026. Unlike conventional financing, sharia\nfinancing at PNM is operated based on principles and contracts that\nprioritise transparency in transactions, avoiding elements of riba,\ngharar, and maysir, thereby providing a sense of security and comfort\nfor customers. Beyond just financing, PNM also builds an empowerment\necosystem through business mentoring, training, character development,\nand improved financial literacy. This approach is PNM\u2019s main strength in\nassisting underprivileged women to develop their businesses, increase\nfamily income, and gradually move up the economic ladder. With the\nsupport of more than 43,000 PNM Mekaar Account Officers, the majority of\nwhom are women and high school graduates, PNM is optimistic that sharia\nfinancing will continue to be an important instrument in driving\ngrassroots economic growth.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/inclusive-sharia-financing-arrives-for-underprivileged-women-1782485580",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}