Bank Rakyat Indonesia

Banking

BRI pioneered microfinance in Indonesia, serving 145M+ customers including 30M+ micro-borrowers. Founded 1895, BRI's village banking units (4,800+ locations) reach populations competitors ignore, demonstrating that serving low-margin customers at massive scale creates moats. The bank's loan recovery rate (97%+ for micro-segment) validates Muhammad Yunus's thesis: poor borrowers are creditworthy when systems are designed correctly.

Key Leaders at Bank Rakyat Indonesia

The Biology of Business

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