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Most people believe that overall well-being can only be achieved through good nutrition, well-balanced diet and exercise. They are wrong. According to the Health Living Index study by AIA, money is the top source of stress factor in Indonesia. Indonesian household finances cause them more stress than work, relationships, or even their physical health.

In Indonesia, 75% of the lower and middle income workers live paycheck to paycheck — every single month. With less than Rp 500.000 in savings, the majority of households are just one missed paycheck away from falling into a vicious cycle of debt as unexpected expenses force them to turn to payday loans, short term credit or overdraft.