Above and Beyond, the employee culture applicable at Amartha, is a reflection of the A-Teams’ behaviors in reaching their own best versions, which makes Amartha special, growing strong and meaningful, to be fully
#BecomingAmartha
People at Amartha are a team with missions, rather than people working with mere professionalism. For us, the company is not a place to clock in and clock out on a transactional basis, but rather an arena for undertaking greater missions in order to achieve evenly-distributed prosperity and growth in Indonesia.
Each day, we make innovations to facilitate financial access by digitalizing rural economy for the benefits of people at the most bottom of Indonesia’s economy pyramid. We extend our reach to those who have never been included, expanding partnership with them for shared prosperity.
We, the A-Team, are talented youths who love to cooperate with full enthusiasm. We consciously choose Amartha to make a change for this country. For us, success means assisting larger number of informal businesses in achieving advancement by providing access to capitalization for more pre-prosperous families in order to achieve evenly-distributed prosperity and growth in Indonesia as the ultimate goal.
Above and Beyond is the harmonization of those objectives, which is further elaborated in three values and eight DNAs.
Consistently improve the standards in order to provide the best products and services, as well as quality processes.
Never give up in achieving goals by applying a growth mindset in our continuous efforts to enhance our capabilities to be better.
Establish collaboration in making decisions and solving problems.
Communicate and exchange ideas openly and effectively.
Be focused on providing solutions to overcome challenges encountered by customers.
Create meaningful impacts on each and every person through innovations and empowerment.
8 DNA Above and Beyond
Our values are as follows, which are the specific behaviors that we care of the most. The more these values sound like you, and describe the people you want to cooperate with, the greater the possibility of you growing and developing rapidly at Amartha.
Delivering Results means to continuously challenge oneself for improving standards in working and endeavoring to exceed our limits to be able to give the best results.
Setting high standards in working, continuously endeavoring to go beyond expectations
Being oriented to long-term results and not compromising long-term values for short-term results
Self-driven, getting up in the morning with energy to achieve better than yesterday
Completing a great amount of work in the most effective way
The following are examples of behavioral guideline in applying the Delivering Result competence
You are a member of the A-Team who always strives to give the best in everything you do. You are never tired to continuously improve the quality of works in process, the results to be achieved, the products to be manufactured, and the services to be provided, until the A-Team’s capabilities are developed. By understanding Amartha’s future strategies and targets, you understand the contributions you are going to make through your role at Amartha. Always set challenging targets to be achieved and realistic results to be achieved. Continue to be a creative member of the A-Team in order to formulate the appropriate strategy in achieving the goals. Continue to push yourself in order to create various opportunities which may contribute to the improvement in Amartha’s performance so that the company’s business keeps growing and developing. Always embed in yourself “What kind of Amartha I want to create? What is the most appropriate standard? What is the best result I want to achieve?".
You will thereby always push yourself to achieve better results, processes, and quality from time to time.
How do you embrace Delivering Results of your version?
Planning and Organizing are making comprehensive planning from the beginning to the end in order to support the execution of our works.
Setting clear, measurable, and inspiring goals
Entrepreneurial - taking the initiative, and prioritizing high impact work
Thinking strategically, tactically, and practically
Remaining accurate, meticulous and having a detailed understanding in every work
The following are examples of behavioral guideline in applying Planning and Organizing
For you to be able to manage work properly from the beginning to the end, start by first understanding the objectives and context of your work. Next, identify which is the priority having the greatest impact with a strong analysis.
Strive to achieve great things by using minimum resources. Acknowledge the limitations in order to be able to think creatively and independently. Never consider that great things must be achieved by increasing the number of employees, large budget, or fixed expense.
To be able to overcome various dynamic challenges effectively, you also need to become a flexible and adaptable person so as to be able to adapt yourself quickly. Do not forget to always prepare alternative plans and actions in order to anticipate potential worst risks and situations so that your targets can still be achieved and be active in monitoring the ongoing implementation process hence you can carry out routine evaluation for assessing effectiveness in the field.
How do you initiate Planning and Organizing of your version?
I familiarize myself with the tasks, afterward I can identify the urgent and important ones to be done, the time needed, etc.. I also use google calendar as an aid to remind me in managing my daily work thus my activities are better organized and all of my targets are achieved. Subsequently, I conduct periodic evaluation of the achievements made, in order to ensure achievements in each process.
- Ahmad Yani (AM Sulawesi)
After identifying my targets, I subsequently break them down into monthly, weekly and daily targets. I select activities based on their levels of importance and urgency. I also distribute those tasks and time so that I have time to carry out review and validation. I also arrange the team composition based on the respective strengths and weaknesses so as to complement each other.
- Alamsyah (BM Banyuasin)
I apply the PDCA (Plan-Do-Check-Action) cycle as one of the methods for achieving my targets. I understand the expected targets, which strategies to be adopted in order to achieve those targets, how to ensure the execution of those strategies, how to monitor and check them periodically in order to ensure that they are not only implemented but also in accordance with the applicable rules. I do not hesitate to make intervention to maintain consistency and to ensure that it is in accordance with the expectations. In addition, I usually make planning for the next 1 month because I retract each step I need to take way in advance.
- Wandha Anggarayudha (RM Sumatera)
Resilience means that we can still focus and tenaciously pursue our initial goals, regardless the obstacles.
Never give up and have strong agility in achieving goals, despite various constraints.
Adapt to changes - understand the context, be adaptable, and have a positive mindset
Be effective in managing stress when facing a depressed situation or unclarity.
Bounce back after a failure, towering with strong resolve
The following are examples of behavioral guideline in applying Resilience
There are various challenges and problems in work, whether in terms of field conditions, work processes, systems, partners, colleagues, third parties, or other factors. To be able to face them properly, you need to have agility so that you can nimbly adapt to all situations you are facing in order to achieve the expected results. Tenacious, persistent, unyielding to continuously endeavoring the results you want to achieve as best as possible. We are indeed not a superman who is always strong, but you can manage yourself effectively when facing a failure or an unpleasant situation thus you can quickly bounce back and be productive in working.
How do you initiate your own version of Resilience?
Despite many obstacles encountered in the field, whether in terms of the field we pass through, system constraints, trouble with the vehicle I use, or even current condition of being pregnant, I keep endeavoring to complete my work.
- Sri Risnawati (BM Pangkajene)
Amartha’s success among others is supported by the A-Team who has the spirit to keep learning and growing thus producing their best version.
Never stop to explore new things, continue to be motivated in improving personal capabilities.
Make continuous adjustments between Amartha’s needs and self-development programs.
Apply expertise and learning outcomes actively in work in order to achieve better results.
Learn quickly, passionately and inspire others to grow together.
The following are examples of behavioral guideline in applying Continuous Learning
In order to be able to keep supporting the continuity of Amartha’s business in the future, start by understanding the present and future corporate directions. You continue to learn thus you have extensive knowledge of the business, competitor, technology, needs of the Mitra and lenders, or trend in industrial development in the future.
Looking forward about what else you need to improve or what you need to maintain. You can also ask for inputs from others to better understand yourself. In addition, maximize all of the existing opportunities at Amartha to develop because learning process is not only through training. For example by sharing session, webinar, refreshment related to Amartha’s SOP and products, becoming a PIC of a project, assuming new roles and responsibilities, receiving feedback from others, meeting third parties such as Mitra, lenders, public figures, or having exposure to interaction with various other parties outside Amartha. Subsequently, apply your learning outcomes in working to produce better outputs than before. Make yourself as a role model of the other A-Teams thus they are motivated to continuously improve themselves to implement above and beyond of their version.
How do you initiate your own version of Continuous Learning?
I try to look for learning opportunities not only through training, but also through other informal opportunities. For example, while we are refreshing outside, or meeting with others, we can also share our experience in the field so that it can be made as lessons learned by other colleagues.
- Dian Sugiarty Aminuddin (RM Sulawesi)
Asking other teams, or trying other teams’ tricks for success to be implemented in our team, is one of the ways for me to keep learning and achieve success.
- Siti Chotijah (BM Trucuk)
I want to always learn, and want to know more. Being interested in trying new things, and understanding Amartha’s products. Participating in a pilot project or when there is a product launching session.
- Helsya Fitriansyah (AM Padang)
Effective collaboration and interaction are some of the keys to the A-Team’s success. You should also:
Be fully committed to solving problems, thus you can rely upon one another
Develop cooperation inside or outside Amartha in order to achieve organizational goals.
Give direct feedback sincerely to grow better together
Articulate messages clearly and powerfully to individuals and groups through various media.
The following are examples of behavioral guideline in applying Collaboration and Communication
Amartha’s success can be achieved with mutual cooperation, both inside and between HO and FO. To achieve effective collaboration, always make mutual interest as your guideline in cooperating. Furthermore, establish mutual understanding among colleagues in your team, think about how you as a team can achieve mutual objectives through the role of each party. Do not stop there, expand your broadest possible partnership outside the organization to support the achievement of Amartha goals more extensively. You certainly cannot cooperate optimally if you are unable to develop effective communication. Therefore, understand the characteristics of your audience thus you can adjust the communication style and media which can strengthen your delivery. Create strong why for them so that they will easily accept your ideas. Likewise, when you face Ibu Mitra and lenders. Use effective communication to create in-depth impression of Amartha for them.
How do you initiate your own version of Collaboration and Communication?
Collaboration means cooperation between two parties to produce extraordinary results. To achieve it, we at the beginning need to understand the goals to be achieved together. Understand what are the strengths and weaknesses of each party to complement each other and learn from one another. Looking for mutual solutions, being open to others’ thought, and not excluding the possibility of learning from the success which has been achieved by another party for application to our team in order to achieve Amartha’s success.
- Helsya Fitriansyah (AM Padang)
Being open to one another and creating transparency constitute some of the keys to collaboration development, hence when there is a constraint or facing a certain obstacle, it can be solved quickly and in a short time. Next, emphasize the word “we", because it is the essence of team and collaboration. By emphasizing the mindset of “we", we will be focused in achieving mutual goals.
- Alamsyah (BM Banyuasin)
Always maintain communication with others so that we can cooperate properly. Communication also help in broadening an understanding between both parties so that mutual goals are achieved and “redundant work" can be avoided by making an agreement in the beginning.
- Ahmad Yani (AM Sulawesi)
Each person is your customer. Ibu Mitra, lenders, work colleagues, superiors, subordinates, other third parties, all of them are our customers directly and indirectly. To provide the best services for them, you:
Have high curiosity to find innovative ways to solve customers’ problems
Always produce ideas and solutions to make our customers happier
Use data, research, and analytics in managing customers’ needs
Have a spirit to make the world better for all
The following are examples of behavioral guideline in applying Customer Driven
Your customer is every person who is in direct or indirect contact with your work, whether work colleague, superior, subordinate, Ibu Mitra, another third party such as lender, vendor, or others. To be able to provide the best services for them, it is important for you to properly understand who is your customer. What they need and how you can make their condition better through your role. Keep thinking “Is this enough to make them better? Approximately, in the future, will those needs develop? What are my ways to anticipate and response to them?", you will always thereby be proactive in improving the quality of your services and monitor their satisfaction. Remember that all outputs you produce whether in terms of policy, program, product, system, act of service, and others will greatly influence for the betterment of your customers. In addition, inputs or comments from your customers will be valuable information for you to be able to maintain or improve the quality of your services for them.
How do you embrace Customer Driven of your version?
Being good at reading the characters of Mitra is one of the keys for us to be able to provide the best services, because if we have 1000 Mitra, it means we have 1000 characters we must handle. And this is one of our specializations in the field.
- Ahmad Yani (AM Sulawesi)
In accordance with Amartha’s vision to be able to make the most extensive impacts, Amartha is also committed to making real impacts on others by helping them achieve their best potentials through empowerment. To do so, you also:
Drive the team with our desire to achieve excellence. Resolve to make greater impacts together
Lead in creating new leaders
Recruit, recognize, and develop the best talents. Seriously play the role of coaching to achieve the best version of our team.
Give appreciation for the ability of others in order to encourage them to be successful.
The following are examples of behavioral guideline in applying Empowering Others
We can make impacts by empowering others. Start by identifying the strengths of each person, how to optimize those strengths so that other people feel empowered and can be advantageous to Amartha. Give space and trust to others to explore. Determine the accountability of each person, respect and recognize each of the demonstrated progress and success. Do not hesitate to give directions, support, and guidance if needed and keep fully trusting them to proceed. Likewise for the empowerment of Ibu Mitra, communities and the society. You can also give your support to realize empowered strong women. Give them inspiring words, spirit, and constructive suggestions so that they continue to develop becoming strong Ibu Mitra of their best version. Improve your impacts not only on each individual Mitra but also on communities to the society. Create technologically literate and financially prosperous communities through the empowerment you do.
How do you initiate your own version of Empowering Others?
Recognize what are the strengths of each individual. Therefrom, we can then identify the assignment we can give to support and strengthen their skills. Next, keep monitoring their progress to see the progress made.
- Dwi Nofitasari (AM Jawa)
Start by understanding the characteristics of each person, what are their respective strengths and weaknesses. Therefrom, we can then know what we can empower from each person.
- Helsya Fitriansyah (AM Padang)
To make the most extensive impacts, the A-Team needs to actively explore opportunities to produce innovative ideas.
Make use of technology, design, data, and customer experience as pillars in providing the best product experience
Make Amartha as an agile organization by minimizing complexity, and always thinking to make something easier
Think big - Continuously find better ways to be able to grow 10x better than the average.
Consider limitations as opportunities to innovate. .
The following are examples of behavioral guideline in applying Innovation
There are many sources of inspiration and opportunities for you to make improvements and innovations. Start by looking around you in a different way. Ask yourself, “what can I do to make this situation better?" Or when you live your days in working, keep thinking whether there are other ways you can do to eliminate complexity thus you can provide the best product experience for customers. Next, take concrete actions to realize it. You can also ask and discuss with others so that you receive different insight to make improvements and changes. For example, you have a chat with Ibu Mitra, ask about lenders’ perspective, and discuss with the other A-Teams. Be a pioneer in generating many change programs for the betterment of HO, FO, and Amartha. Ask others to help you so that you can make greater results for Amartha. If the obtained results have not been in accordance with your expectations, do not give up and keep looking for ways to improve them.
How do you initiate your own version of Innovation?
Share your own experience in embracing the Above and Beyond culture by using the form below so that more A-Teams are inspired in embracing the Above and Beyond culture.
