PNM and OJK Strengthen Women Entrepreneurs in Aceh

A strategic synergy between PT Permodalan Nasional Madani (PNM) and the Financial Services Authority (OJK) is empowering women entrepreneurs in Aceh, Indonesia, to elevate their businesses. Recognizing that capital alone is insufficient for success, this collaboration emphasizes comprehensive support, including financial management, risk assessment, legal compliance, and market understanding.

Lalu Dodot Patria Ary, Operational and Institutional Relations Director at PNM, stressed the importance of integrating financial literacy with capital access. He noted the particular relevance of Islamic financial literacy in Aceh. This dual approach ensures that beneficiaries gain not just funding but also the knowledge needed to manage and grow their ventures independently.

As of July 31, 2026, the PNM Mekaar program has positively impacted 268,231 female entrepreneurs across Aceh. These women are organized into 19,628 groups and are supported by 1,300 Mekaar facilitators operating from 77 units. The program actively assists these entrepreneurs in formalizing their businesses, with over 56,714 having obtained their business identification numbers (NIB). Additionally, PNM provides scholarships to 104 children of beneficiaries, aiming for holistic family development.

The journey of Nur Asma, owner of "Keripik Pisang Kak Nur," exemplifies the program's success. A single mother of three, Nur significantly expanded her banana chip business after joining PNM Mekaar Syariah. Her business, now rated Grade A, has secured a financing ceiling of Rp 6 million and obtained both an NIB and a halal certificate, thanks to PNM's guidance. This case illustrates how combining capital with proper mentorship can transform home-based businesses into thriving enterprises.