Ratih Rachmawaty

Chief Executive Officer

Ratih Rachmawaty

Ratih Rachmawaty is the Co-Founder and Chief Executive Officer of AMAAN, leading the company to reach its vision of improving the welfare of millions of families by empowering women microentrepreneurs and their families. Ratih oversees all strategy for AMAAN services, including product development and the broader AMAAN ecosystem.


With 26 years of experience in the banking sector (finance, audit, risk management, business development and business planning), Ratih Ratih plays a vital role in building and implementing AMAAN business strategy across functions within the organization. For the last 17 years, she has been focused on the microbanking sector in Indonesia.


Ratih is one of the key founders of the mass market business at Bank Danamon (2003-2008), and the microbanking business (Mitra Usaha Rakyat) and productive poor business (Tunas Usaha Rakyat) at BTPN (2008-2014). The productive poor business grew into the core business of BTPN's Sharia business unit, where Ratih has led as Head of Unit since 2011. In July 2014, the unit was spun off into its own entity, BTPN Syariah.


Ratih's commitment to making an impact on microentrepreneurs has earned her multiple back-to-back awards as one of the "Top 10 Most Influential Women in Islamic Business & Finance" from the Cambridge International Business & Financial Advisory. In April 2019, she also received an award as "Financial Top Leader 2019" in the Sharia category from Warta Ekonomi.


Ratih holds a Bachelor's degree in Economics from the Faculty of Economics, Accounting Department at Padjadjaran University, Bandung, and earned an MBA with cum laude honors from Melbourne Business School, University of Melbourne.

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