The branchless banking program has changed everything. Back then, we could only meet bankers at banks. However today it is changed. We can easily find a banker next door, serving transactions just like any other bankers from opening an account, saving, transfer, cash withdrawal and other services.

25-year old Lisatun Nikmah earns a living selling clothes. Born into a modest family in Pangkalpinang, Bangka Belitung, Lisatun had to think hard about how she could lead a more prosperous life. With capital of just Rp 20 million, Lisatun decided to move around selling clothes at different locations. "It was quite exhausting, but I learned what type of clothes people like. This made it much easier for me to sell my clothes," Lisatun explained.

Everyone dreams of becoming successful. Karna was no exception to this. Karna aspired to own his own business, even though he was a company employee. With initial capital of just Rp 250 thousand, Karna together with his wife Suwarni decided to try and make his dream come true by selling chicken noodles. After a year of operating this small business, Karna and Suwarni's profits were not as great as expected.

In January 2010, Andika decided to quit working at a financial company and focus instead on making and selling onde-onde (a type of dumpling), his favorite food. Andika, whose full name is Jamin Andi Prasetio, had always liked to cook and bake as a hobby. Occasionally, he took orders for birthday cakes and steamed cakes from customers at the salon where he worked on the side