{
    "success": true,
    "data": {
        "id": 1758996,
        "msgid": "yantis-story-launching-a-home-based-kriya-business-with-ultra-micro-financing-1779533797",
        "date": "2026-05-23 06:00:00",
        "title": "Yanti's Story: Launching a Home-Based Kriya Business with Ultra-Micro Financing",
        "author": "Satria K Yudha",
        "source": "REPUBLIKA",
        "tags": "",
        "topic": "Social Policy",
        "summary": "PNM's Mekaar programme has extended Rp45.35 trillion in outstanding financing in 2025, reaching 22.7 million financially vulnerable women across the country, underscoring the growing demand for inclusive finance. The story of Sri Aryanti Nurafiah, known as Yanti, a Mekaar customer in Cikarang Barat, shows how unsecured funding and Mekaarpreneur training can help a housewife start a home-based crafts business, scale up, and even open a stall with online sales.",
        "content": "<p>Access to financing remains a challenge for women running ultra-micro\nbusinesses. Limited capital and scarce collateral make many small\nbusiness operators struggle to obtain formal finance to grow their\nventures. The demand for financing in the ultra-micro sector continues\nto rise. PT Permodalan Nasional Madani (PNM) records that the\noutstanding financing under the Mekaar programme reached Rp45.35\ntrillion in 2025 and had reached 22.7 million financially\nunderprivileged women in various regions. For some entrepreneurs,\nunsecured financing is seen as an opportunity to start and grow a\nbusiness from a small scale. This condition was experienced by Sri\nAryanti Nurafiah, a PNM Mekaar customer in Cikarang Barat. As a\nhousewife, the woman known as Yanti wants to help the family economy\nthrough a keychain crafts business. However, capital constraints once\nmade her hesitant to start. \u201cIf I relied only on my husband\u2019s salary, I\nthink it would not be enough. I want to open a crafts business, but with\nlimited capital I am hesitant,\u201d she said, quoted on Friday (22\/5\/2026).\nAccording to Yanti, the financing obtained from the Mekaar programme was\nused to buy raw materials and develop the home-based business. Over\ntime, the business grew to the point where she opened her own stall. \u201cI\nhadn\u2019t imagined it before, but my business has grown and continues to\ngrow. My capital was also increased by PNM, so I am now brave enough to\nopen my own stall,\u201d Yanti said. In addition to financing, Yanti also\nparticipated in training through the Mekaarpreneur programme. The\ntraining covers promotion, branding, packaging, and digital marketing.\nCurrently, her products are marketed on several digital platforms such\nas TikTok and Shopee. The growth of the business earned Yanti second\nplace in the Mekaarpreneur category for customers moving up a tier in\nthe Bekasi-Jakarta region. The story is seen as reflecting the\nstill-large demand for inclusive financing for ultra-micro women\nentrepreneurs. Mentorship and business training are also considered\nimportant factors for small-scale entrepreneurs to survive and expand\ntheir businesses.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/yantis-story-launching-a-home-based-kriya-business-with-ultra-micro-financing-1779533797",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}