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The "missing middle" of small businesses with Shamina Singh

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This report highlights takeaways after meeting with small firms (1-20 employees) in Indonesia weekly over the course of one year to understand their financial lives in detail. Some findings reveal that small firms (1) represent an 'invisible middle' different from microenterprises and larger firms, straddling the line between formal and informal; and (2) are looking for growth, but with stability.

<p><span style="font-size: 16px;">FAI is a research center working at the intersection of financial inclusion, development, and poverty.</span></p>

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Summary of Key Findings: Indonesia

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