Ratna Heimawaty Zain

Ratna Heimawaty Zain obtained her bachelor degree from University Kansai Gakuin Daingaku and Universitas Indonesia. In 2000, obtained Master in Business Administrator from La Troube University, Melbourne. She started her career in Yayasan Dana Pensiun dan Tunjangan Hari Tua Bank Indonesia (YDPTHT – BI) in their Investment department (1992–1993). Started her career with Bank Indonesia after finished the course of Calon Pemuda Muda (PCPM) XVI Bank Indonesia (1993–1994). Holding a various position in Bank In