Slums in USA may have air-conditioner/room heater, refrigerator, LED TV and other modern gadgets. Poverty in USA is defined as reduction in standard of living. But in Jakarta, poverty is defined as suffering from hunger and lack of basic needs. Slums are formed because of two reasons. One is due to poverty. The other reason is due to heavy density of population like in Mumbai city in India. Financial inclusion is the only way to uplift the lives of those unfortunate people.