Rizky Eka Valdano

spent nearly a decade building a travel business from scratch. By early 2020, the Indonesian entrepreneur—who grew up amid economic hardship and paid for college by hawking fake Rolex watches—had 12 employees, a Japanese car and credit cards.

Mr. Rizky’s company closed. His relationship with the woman he planned to marry ended. The 32-year-old now sleeps on a sofa bed in a room adjoining a friend’s carpentry workshop.

“This is the lowest I’ve ever been,” he said.

For the past few months, Mr. Rizky has lived in a room next to the workshop of a carpenter friend, who lets him stay there free of charge.

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