Updated Apr 01, 2019

YCAB Foundation. Premise of Change

Part of IMC Worldwide

We enable youth to be independent through educational provisions and welfare creation for a better and sustainable future. We use financial inclusion to provide education for underprivileged youth


Gregory Stretton

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Stage 5: Scaling

Because our solution of connecting the micro-finance program with education is currently implemented and is being scaled in Indonesia it is progressing very well but slowly due to the amount of capital needed. We have not introduced it outside of Indonesia at present but if the correct funding and country specific legislation can be approved, we are ready to start.
Registered in Indonesiain Indonesia

Focus Areas:

Social & Micro Finance and Education

Social & Micro Finance and EducationSEE LESS

Implemented In:


IndonesiaSEE LESS

Country Implemented In
Funds Raised to Date


Indonesia has been considered as one of the key countries that will shape the future of the global economy by 2030. However, the huge population of 261.1 million people in Indonesia can be an asset or a liability for the nation, depending on the way the people are developed. More than 28 million Indonesians still live below the poverty line, One of the challenges that causes poverty is employment growth. 62% of the total unemployment in Indonesia are youth, aged 15 to 24-year-old.



women micro entrepreneurs joining us to contribute to the education of their children and other underprivileged youths around their neighbourhoods. We are in the process of integrating financial inclusion in all the areas where our learning centers have been established. The goal is to turn each Learning Center to be the sustainable centers of change

Target Beneficiaries

Through this innovation we are serving not only the youth, but also the whole family and a unit.

Mission and Vision

Since 2009 our mission driven micro-finance program has acquired 145,787 clients, of whom 78% have seen an increase in their profits by 30%. Now 42% of clients who previously had no savings are now able to save. Clients have reported a 77% higher level of confidence in planning for the future, and 99% have stated that food security has improved, saying that they have eaten enough food in the last year, and 99% of the children have participated in school (Compared with the national rate of 88%)

Innovation Description

YCAB's Premise for Change aims to create a sustainable and virtuous cycle that links access to microloan to education attainment.
How does your innovation work?
Our solution aims to support in breaking the poverty cycle through education and economic empowerment. YCAB now has 55 learning centres spread across Indonesia and partnering with more than 9,000 schools. More than 42,965 youth have received basic education and courses with 72% of them finding jobs and 3,340 others have started their own businesses and in so doing, have created jobs for others. We believe that profitability equals sustainability, and that the existence of our for-profit entities within the YCAB Social Enterprise Group gives us the freedom and room to create better programs for the future of our youth. However, we believe that sustainability also means joint collaboration with corporate entities and the government. We aim to replicate this model in other countries globally as we think that the issue remains consistent for youth irrespective of their nationalities.

Competitive Advantage

We achieve this through our unique mission-driven microfinance where education is made the precondition to loans. Through our microloans, we empower low-income women entrepreneurs, most of them mothers, to increase their household income and allow the children to focus on their education to then become skilled workers or entrepreneurs themselves. The income generated from our microfinance is then recycled back to support YCAB’s educational programs. We help youths to be confident and independent in making smart choices towards further education and employment. We also provide opportunity for school drop-outs and underprivileged youths to independently chase their dreams and futures through the provision of Basic Education, Digital Inclusion, and English Literacy courses in our 42 learning centers. Furthermore, we also assist our graduates with vocational skills and connect them to job markets. We build partnerships with the local communities, businesses, and governments

Planned Goals and Milestones

To date, YCAB has touched the lives of more than three million underprivileged youths through education and entrepreneurship, while bringing greater financial access to more than eighty thousand microfinance clients, all of whom are women. By 2020, YCAB aims to reach out to five million youths in five countries in Southeast Asia.
Funding Goal500,000


Date Unknown
Date Unknown
Funds RaisedPENDING
Unknown Amount
Date Unknown
New Country Implemented In
Date Unknown
Recognition ReceivedVERIFIED
Profiled on CEI

Supporting Materials