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Developing an integrated risk management solution anchored on savings -- Komida

Country of Operation: Indonesia
Region: Asia and the Pacific
Sub Topics: Product development, Demand, Savings-linked

Organizational Overview

Koperasi Mitra Dhuafa (Komida) is a savings and loan cooperative helping low-income women in developing their business. KOMIDA offers savings and loan products, as well as non-financial services such as health training and family finances management.


Project Description

The ILO and KOMIDA will work together on the development of a new savings solution. This new product will increase the funding of KOMIDA through its membership, while at the same time meet the needs of KOMIDA members regarding health and education.


Activities Overview

The project will undertake the following activities:

  • Market research to understand the risk management needs of clients
  • Development of the integrated savings products
  • Pilot testing and performance measurement of the product

Learning Agenda

  • Understanding the risk management needs and strategies of low-income women
  • Understanding how to offer integrated financial services to low-income households
  • Exploring the value of savings and insurance solutions for members
Date of last update:  June 2019