CAFE Program

Financial Literacy for Indonesia

 About
Good Return
● Good Return is an Australian NGO with 20 years of
experience. In Asia we work in Cambodia, Nepal, Indonesia,
Philippines. In the Pacific we work in Solomon Islands,
Tonga, Fiji, PNG.

● We enable women and their families to access

opportunity and build financial security.

● Our focus is providing responsible finance to local

entrepreneurs, as well as financial education and
business training to women, people with disabilities,
and other excluded groups to build confidence and
financial capability.

● The result is a growing generation of empowered

entrepreneurs, taking control of their finances, their
livelihoods and their futures.
OUR MISSION

● To enable those who are marginalised

and excluded to achieve economic
empowerment through responsible
financial inclusion and capability
development.

OUR VISION

● A world without poverty where all

people have access to resources and
opportunities to improve their lives.
Partnership
● Good Return delivers a flagship financial
literacy program, known as the
Consumer Awareness and Financial
Empowerment (CAFE) program.

● We are looking for a partner in Indonesia

to work with us to pilot and deliver our
financial literacy training program to
community members across Indonesia,
helping to make a difference in the lives
of many
Consumer Empowerment and Financial
Education (CAFE) Program
CAFE Program

● Designed to enable households living in poverty to

achieve financial wellbeing, with a focus on
reaching those who are marginalised and excluded.

● The CAFE Initiative leverages innovative face to

face training and digital tools that enable
participants to take control of their financial life.

● A human-centred design approach ensures that

these meet needs of our target participants, and
can see long term and sustainable positive
behaviour change.
 CAFE training programs
Financial Foundation & Strengthen your
Financial Coaching My Money Tracker Apps
Applied Business

1 2 3 4

20 week group training program
targets individuals with little or no
financial literacy.
6 week coaching program
targets individuals with some
basic levels of financial literacy.
1 session dIgital money
tracking application called My
Money Tracker, designed for
micro-business owners to
help them manage their
money better.
14 week program designed to
support micro entrepreneurs
with income generation, and
to help them grow and
expanding their business
OUR PARTNERSHIP - CHANGING THE FINANCIAL
WELLBEING OF MANY
Working with Good Return
Our flagship CAFE program currently runs in 8 countries, we are looking to
partner with a like minded vision to pilot and deliver our program. We will:
● Provide our team of experts to contextualise the training program for
community members in Indonesia
● Train your team to become confident CAFE coaches, through a face to
face 5 training of trainers
● Provide ongoing weekly remote coaching and support, field support and
Monitoring & Evaluation Data collection support
● Provide access to CAFE dashboard analytics that will help you to see
learner group progress,

Your role:
● Work with us to contextualise our training program in Indonesia
● Choose coaches and deliver the training sessions to participants
● Participate in the training and remote coaching
● Support monitoring and evaluation activities
● Cover base implementation costs - printing of booklets for participants,
and the training of trainers.
BUILDING FINANCIAL SKILLS: THE KEY TO CHANGING LIVES
Financial skills and
Great opportunity to Financial skills = confidence,
confidence help people get
change the lives of women savings, resilience
ahead

The countries that Good Return
operates in have some of the
lowest financial literacy rates in
the world. Addressing this gap
money decisions, build business and
enables people to pursue and
maximise economic
opportunities.
Only 22% of Indonesian women are For those who are
financially literate, By improving disadvantaged, an
understanding of financial
women's confidence to make
concepts is key to confidence,
independence and being able to
their livelihoods, we can help to plan for the future.
create a more inclusive and
prosperous Indonesia for all.
WHAT OUR CAFE PARTICIPANTS
HAVE TO SAY

“
Since I am learning, I start to save. I think I get this knowledge
from our learning. Before, I was lazy when I came to work. I was too
lazy to cook and just have breakfast or lunch here in front of the
factory. 10000r per day. And then I think that I spend a lot, and
then I cook and save money, so I reflect on myself that I decrease
some expenses. Like clothes- I also don’t buy them like before. As
our video also talked about buying clothes it made me reflect on
myself. - a female garment worker.

No honestly, before I ate a lot, spent money a lot, I didn’t listen to

my wife. But now I rarely drink and now I bring this lesson to teach
my wife, because she did not join this session. My wife said that I
decreased [spending]. - a male garment worker.

Before if I go to market I know that if I buy beef one kilo is 30000r,

we know. But for a small expense we don’t know- like buying a
snack we don’t know but since we use MMT we know even a small
thing we can track so that we know what we spend on. - a female
“
garment worker.
“
Through the financial coaching
program, I am now like a new
person, whose livelihood is far
different and better than before
with more happiness in the
family and less worry on debt.

I have stopped wasting

time and money on
drinking alcohol and
hanging out with my
sisters. I want to
progress in life. After
learning from the
trainer, I started saving
and investing in
chickens and goats.
I used to borrow small
“
amounts from friends in the
past, but currently, there is
no loan that I have to pay
back.

Nowadays, I don't
spend unnecessarily
like I used to before.
THANK YOU!

Nirri Shah Ayu Bulan

CAFE Program Manager Indonesia Program Coordinator

nirri@goodreturn.org ayu@goodreturn.org
+61 401 238 098 +62 812 902 7472