Using data from 1438 households in six provinces in Indonesia, we aim to understand the profile of the 'unbanked.' Why do so many poor households lack access to finance? Are the unbanked creditworthy? Largely not interested in borrowing? Key findings (Summer 2007) are that about 40 percent of poor households were judged creditworthy, but only 14 percent had recently borrowed. Possessing collateral was a minor determinant of creditworthiness. Despite depictions of widespread pent-up demand for loans, about half of creditworthy poor households report being averse to taking on debt. Loans for small business were desired, but respondents often highlighted broader household needs, including paying for school fees, medical treatment, and home repair. Note: This work does not use randomized control trial methods.