Integrated GEDSI and green loan assessment for inclusive financing

• by Putu Monica Christy, Kinanti Naura, Rahmatika Febrianti, Terala Foundation, Shatha Safia Arundati and I Gusti Agung Rama Raditya
• Jul 13, 2026
• 1 min
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Integrated GEDSI and Green Loan Assessment for Inclusive Financing is a practical user guide that the Terala Foundation and MSC (MicroSave Consulting) developed under the FinClude Green program, with support from KINETIK. The guide enables financial institutions to integrate gender equality, disability, and social inclusion (GEDSI) criteria into loan assessments alongside green criteria. By providing practical tools, checklists, and standard operating procedure (SOP) references, it supports inclusive, context-sensitive, and sustainable lending decisions for women-owned MSMEs, persons with disabilities, and green entrepreneurs in Indonesia.

Women-owned micro, small, and medium enterprises (MSMEs), persons with disabilities, and green entrepreneurs continue to face barriers in accessing financial services in Indonesia. Many of these businesses are still assessed through conventional credit criteria, which may not fully reflect their business potential, risk profile, or contribution to inclusive and sustainable growth. 

This user guide is developed under the FinClude Green program, a collaboration between Terala Foundation and MSC (MicroSave Consulting) with support from KINETIK. This guide addresses this gap by providing a practical approach for financial ecosystem actors to conduct more inclusive initial loan assessments. It is also designed as a hands-on reference for institutions that seek to integrate gender equality, disability, and social inclusion (GEDSI), and green considerations into their financing practices. 

The guide presents an integrated GEDSI and green credit assessment approach that helps financial institutions better understand underserved customer segments and apply more context-sensitive lending decisions. It includes practical tools, checklists, and references to standard operating procedures. Together, these resources help institutions review their existing portfolios, identify customer needs, and assess loan applications through a more inclusive lens. 

The user guide combines GEDSI perspectives with green criteria. It helps financial institutions look beyond standard credit requirements and consider the broader conditions, needs, and opportunities of women-owned MSMEs, persons with disabilities, and green entrepreneurs. The guide offers a starting point to strengthen inclusive credit assessment practices. It also supports fairer, more accurate, and more sustainable financing decisions for underserved entrepreneurs in Indonesia.

Please find the Indonesian report here.