Based in Jakarta, Indonesia, Elvira has been working in the non-profit sector, focusing on microfinance, partnership management, and financial inclusion. She earned a degree in Economics and Environmental Science in Indonesia. Prior to joining Beneficial Returns, she worked at an international NGO, supporting financial institutions in developing and scaling inclusive financing solutions that improve access to safe water and sanitation for underserved communities. She believes that sustainable development is most effective when economic, social, and environmental priorities are advanced together. She is passionate about using finance as a practical tool to empower communities, strengthen resilient businesses, and create lasting positive impact.