Updated Jan 16, 2018

Ycab 1 0

YCAB Premise for Change

Part of IMC Worldwide


The innovation has no owner


Stage 5: Scaling

Because our solution of connecting the micro-finance program with education is currently implemented and scaled in Indonesia and we haven't introduced it outside of Indonesia, even though we have had some projects before, together with our partners in a few countries, related to youth development.

Registered in Indonesia.

Focus Areas:

Social & Micro Finance and Education

Social & Micro Finance and EducationSEE LESS

Implemented In:


IndonesiaSEE LESS

Country Implemented In

Mission and Vision

Since 2009 our mission driven micro-finance program has acquired 88,130 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 also 99% of the children have participated in school (Compared with the national rate of 88%) according to BPS data (Indonesian Statistics Bureau).

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 50+ learning centers. Another unique thing in our delivery is that in some areas, we turn buses, multi purpose vehicles and even motorcycles to become mobile learning facilities that can reach our beneficiaries that cannot afford to pay the transportation costs if we have a fixed learning center. Furthermore, we also assist our graduates with vocational skills and connect them to job markets. For these very purposes, we build partnerships with the local communities, businesses, and governments to develop the first blue collar and semi white collar job portal, that focuses on youth development features through online learning and mentorship. The website's name is Generasi Bisa! or Can-Do Generation.

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.


Sep 2017
Recognition ReceivedVERIFIED
Featured Solution
Date Unknown
Date Unknown
New Country Implemented In
Date Unknown
Funds RaisedPENDING
Unknown Amount
Date Unknown
Recognition ReceivedVERIFIED
Profiled on CEI