Approximately 700 million women worldwide do not have access to a financial account. In Indonesia alone, an estimated 42 million women are unbanked, underscoring the scale of financial exclusion and enduring gender disparities.

Opportunity International Australia works in Indonesia, partnering with local organisations to expand inclusive financial services and reach those who are most excluded, particularly women and people with disabilities.

Through strategic partnerships and approaches grounded in lived experience, we help build more inclusive financial ecosystems so individuals of any age, gender, disability or socioeconomic background can access and benefit from appropriate financial services.

Support from the Australian Government through the Department of Foreign Affairs and Trade (DFAT)'s Australian NGO Cooperation Program has enabled Opportunity, together with our local partner in Indonesia, KOMIDA, MicroSave Consulting (MSC), and organisations of persons with disabilities (OPDs), to achieve:

• Evidence strengthening through engagement with women with disabilities and OPDs to identify barriers to digital financial inclusion
• Expanded outreach nearly doubling last year’s reach to approximately 27,700 women with disabilities
• GEDSI integration across KOMIDA’s operational systems and service delivery
• Improved accessibility in recruitment processes and branch infrastructure
• Sector insights generated and shared to inform broader learning and systems change

To support financial service providers, microfinance institutions, banks, funders, and social impact investors in strengthening commitments to financial inclusion, gender equity, disability inclusion and rights‑based banking, we have developed a suite of practical, easy-to-use tools.

These DFAT (ANCP)-funded GEDSI resources help operational teams embed inclusion into day‑to‑day practices, from client engagement and data collection to product design, staff training and branch accessibility.

Gender Equality, Disability and Social Inclusion Tools

1. Integrating GEDSI into Financial Inclusion – Cheat Sheets for Financial Service Providers (English)
2. Integrating GEDSI into Financial Inclusion – Cheat Sheets for FSPs (Bahasa)
3. Collecting Functional Disability Data in Financial Inclusion Cheat Sheet (English)
4. Collecting Functional Disability Data in Financial Inclusion Cheat Sheet (Bahasa)
5. Inclusive Finance Cheat Sheet – Intersectional Data & Analysis (English)
6. Inclusive Finance Cheat Sheet – Intersectional Data & Analysis (Bahasa)
7. Inclusive Finance Accessible Training & Meeting Cheat Sheet (English)
8. Inclusive Finance Accessible Training & Meeting Cheat Sheet (Bahasa)
9. Accessibility Checklist & Visual Style Cheat Sheet (English)
10.  Accessibility Checklist & Visual Style Cheat Sheet (Bahasa)
11.  Inclusive Language Dos and Don’ts Cheat Sheet
12.  Inclusive Finance Acronyms & Glossary Cheat Sheet
13.  Financial Exclusion Statistics Cheat Sheet
14.  Inclusive Finance Area Survey (English)
15.  Inclusive Finance Area Survey (Bahasa)
16.  Workplace Needs Assessment Form (English)
17.  Workplace Needs Assessment Form (Bahasa)
18.  FSP Accessibility Assessment Form (English)
19.  FSP Accessibility Assessment Form (Bahasa)

KOMIDA’s Animated Video in Collaboration with People with Disabilities

As part of her visit to Indonesia in February 2026, Fifi Rashando, Opportunity International Australia's Gender Equality, Disability, and Social Inclusion Manager, participated in reviewing the final draft of KOMIDA’s Disability Etiquette Animation Video, developed in collaboration with HWDI (Himpunan Wanita Disabilitas Indonesia).

This co-design process is strengthening the integration of disability-inclusive etiquette and client-facing practices across KOMIDA’s operations, helping ensure that women who are older, pregnant or living with disabilities experience dignity, respect and accessibility when engaging with financial services.

HWDI’s technical review was instrumental in ensuring the animation reflects respectful, accurate and lived-experience–informed representation, reinforcing that meaningful engagement with Organisations of Persons with Disabilities (OPDs) is not optional in GEDSI work but foundational to accountability, relevance and impact.

More links

• How can inclusion work if it leaves people out?
• Spotlight on Building Accessible and Inclusive Financial Services
• Meaningful Inclusion: Building Financial Resilience for Women and People with Disability
• Disability equity and systematic change in Indonesia's financial sector
• Banking on success

These publications have been funded by the Australian Government through the Australian NGO Cooperation Program (ANCP). The views expressed in these publications are the author's alone and are not necessarily those of the Australian Government.