But Aria Widyanto isn’t one of those adults.

He’s vice president of fintech startup Amartha in Jakarta, so that means it’s time for him to wake up.

He’s only had five hours’ sleep, but startup duty calls.

Indonesia is home to a creative population that skews young, but it can be a struggle to finance any kind of venture past basic necessities.

Using an alternative to traditional scoring-type methods for measuring the likelihood that a business pays back, the loans range from US$100 to US$2,000.

Founded in 2010, the startup also specializes in peer-to-peer lending, alternative investments, and big data credit scoring.

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