East Asia and Pacific
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HARA improves the lives of smallholder farmers in Indonesia with the aim of achieving a sustainable sharing economy. It creates jobs to fight rural poverty while empowering and training women to become “Agripreneurs”. HARA also coordinates with banks and insurance companies  to offer financial services to these farmers.  

Inclusive Business Model

Hara trains local women to become “Agripreneurs” – basically field agents. They manage groups of women farmers living in the same village, who grow crops like maize and rice in their backyards. The Agripreneurs provide these farmers with training on good agricultural practices and financial literacy.

In addition, they collect data on the farmers. HARA then coordinates with banks and insurance companies, which use this data to offer financial services to the farmers.


For Agripreneurs, the main value is jobs. They can support their families and send their kids to school without leaving their villages.

The farmers can access bank loans and buy crop insurance. Without HARA, they would go to loan sharks instead.

As for the mom and pop shops, HARA trains them in merchandising and retail management. They also profit from the in-kind loans.