COVID-19 has left businesses around the world struggling to keep afloat. Cash-in cash-out (CICO) agents are no exception. This report assesses the impact of COVID-19 on the macro environment, business operations, income and expenses, and management practices of CICO agents in Indonesia. It offers insights into the gender dynamics of CICO agents and their clients. The report further provides recommendations for the Government of Indonesia (GoI) and financial service providers to aid the recovery of CICO agents.

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