ONCE every month Sukartiningsih visits Progowati village, Magelang regency, Central Java, where her parents-in-law live. It’s 7 kilometers away from her house in Borobudur village. However, like the previous months, on that Friday two weeks ago she wasn’t visiting her in-laws. “I’m meeting clients, collecting debt payments,” she told Tempo.

For three years the 29-year-old woman her friends call Ningsih has been working for Baitul Maal