Introduction
Amartha, a leading micro‑finance institution dedicated to empowering low‑income entrepreneurs across Indonesia, is seeking a dynamic and motivated Business Partner – Staff Lapangan to join our team in the Lebak Point Ciuyah area. This field‑based role focuses on identifying new borrowers, providing economic guidance to households, and ensuring the smooth execution of our loan programmes. The successful candidate will act as a trusted liaison between Amartha and the communities we serve, helping to drive financial inclusion while building a rewarding career in the social‑impact sector.
Responsibilities
- Proactively search for and engage potential borrowers in the Lebak Point Ciuyah region, presenting Amartha’s capital‑loan programmes and encouraging participation.
- Conduct home visits and economic assessments to understand each household’s financial needs, business potential, and repayment capacity.
- Perform detailed surveys and feasibility analyses on loan applications, ensuring compliance with Amartha’s internal policies, risk‑assessment frameworks, and regulatory requirements.
- Prepare clear and concise recommendation reports for senior underwriting teams, highlighting strengths, risks, and suggested loan structures.
- Manage the collection and repayment process, following up with borrowers, resolving payment issues, and maintaining accurate records of all transactions.
- Provide ongoing financial literacy coaching and business development advice to borrowers, helping them to improve cash flow, expand operations, and achieve sustainable growth.
- Collaborate with the local Amartha office, sharing field insights, market trends, and community feedback to continuously refine outreach strategies.
- Maintain a professional appearance and conduct while operating in the field daily, adhering to safety protocols and representing Amartha’s values of integrity and transparency.
Requirements
- Minimum education: SMA/SMK or equivalent (higher education is a plus).
- Age range: 18‑30 years (maximum 33 years as per internal policy).
- Gender: Open to all genders; female candidates are preferred to align with community outreach needs.
- Own reliable motorcycle or car for daily field visits.
- Excellent interpersonal skills: honest, meticulous, communicative, resilient, and disciplined.
- Ability to work independently in the field, manage time efficiently, and meet daily targets.
- No prior experience required; however, prior exposure to micro‑finance, sales, or community development is advantageous.
- Strong analytical abilities to evaluate loan applications against Amartha’s risk criteria.
- Basic digital literacy: comfortable using mobile applications for data entry and reporting.
Benefits
- Competitive salary starting at IDR 3.5 million plus performance‑based incentives.
- Annual THR (religious holiday allowance) and quarterly bonuses.
- Clear career progression path toward leadership positions such as Team Leader or Field Supervisor.
- Opportunities for permanent employment after a successful probation period.
- Employee loan programmes with favorable terms to support personal financial goals.
- Continuous learning and development programmes, including workshops on financial inclusion, sales techniques, and digital tools.
- Company‑provided mess accommodation for convenient and safe living arrangements.
- Health insurance, transport allowance, and regular team‑building activities.
- Recognition awards for top performers and community impact champions.
About Company
Founded in 2010, Amartha is a pioneering peer‑to‑peer lending platform that connects socially‑conscious investors with micro‑entrepreneurs in rural Indonesia. By leveraging technology and a deep understanding of local markets, Amartha has disbursed billions of rupiah in loans, fostering entrepreneurship, job creation, and economic resilience. Our mission is to create a more inclusive financial ecosystem where every individual, regardless of background, can access affordable capital to realize their aspirations. Joining Amartha means becoming part of a purpose‑driven organization that values integrity, innovation, and impact.
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