Yayat Nurhidayat is founder and chairman of BMT El Dana Manfaat. Located in one village in Bandung area, El Dana Manfaat only have small office and 5 employees. They are now is handling 3000 members and more than USD 1 million money.

BMT El Dana doesn’t have branch. They use their agents as branchless point to sell saving, loan and other financial products to farmers, fishermen, school and other rural communities. Now El Dana has 55 agents and all of them are women. Yayat believes digital platform will help him to expand market through agent and increase fee based income.