Double protection for your money

Our Lending Partners guarantee the repayment of your principal. In the case of a default, you will still receive your principal amount. Enjoy extra protection with credit insurance on eligible loans.

Enjoy a 100% guarantee on your principal

A worry-free funding

You want to grow your money without worrying about losing. Mekar provides this for you.

No extra charges or premium

Protection guarantee from our lending partners and credit insurance (for eligible loans) are provided at no additional cost.

Let your money work for you

In Mekar, your money is safe and secure and is always working for you.

Why funding through Mekar?

Protection Guarantee

Secure funding because of protection guarantee from Mekar partners and credit insurance

Double protection on the principal

Women-Run Businesses

Your funding supports Indonesian women who own and run micro-businesses

Empowering Indonesian women

Positive Social and Economic Impact

Grow Indonesian micro-businesses, improve prosperity, and drive the local economy

Positive social impact

A Fair Rate for You and The Micro Businesses

A solid, fair rate of return for you, and a reasonable rate of interest for borrowers

A fair rate for everyone

Our lending partners

We partner with selected financial institutions. Our Lending Partners assess borrowers, issue loans, and collect repayments for you. They also provide a 100% protection guarantee for your principal.

KSP DWI TUNGGAL

KOPERASI SIMPAN PINJAM DWI TUNGGAL

With 10 offices spread across six provinces, Dwi Tunggal offers business loans to low-income retirees.

KSP MEKARSARI

KOPERASI SIMPAN PINJAM MEKARSARI

With operations stretching across six provinces, Mekarsari offers business loans to low-income civil service retirees.

KSP MELANIA CU

KOPERASI SIMPAN PINJAM MELANIA CREDIT UNION

One of the largest credit unions in West Java, Melania offers business loans to its members in the region.

KSP SMS

KSP Sahabat Mitra Sejati

We focus on the well being of indonesian. On 9 december 2008, our operation started and we wanted to improve the micro economy in Indonesia. 

KSP KUD MINTOROGO

Koperasi Simpan Pinjam KUD Mintorogo

The KUD Mintorogo Savings and Loans Cooperative was originally a business unit in the Village Unit Cooperative (KUD) Mintorogo, which was established in 1980 in Demak, Central Java.

KSPPS ARTHA BAHANA SYARIAH

KSPPS ARTHA BAHANA SYARIAH

Based in Central Java, KSPPS Artha Bahana Syariah offers savings and loan products and services that adhere to the principles of Shariah.

KSP PANGESTU

KSP PANGESTU

With 39 branch offices spread across three provinces in Java, KSP Pangestu caters to micro-retailers, farmers, and fishermen in the region.

KOPDIT PELANGI KASIH

KSP Kopdit Pelangi Kasih

A savings and loan cooperative that offers savings accounts and credit disbursement. Currently it has 4 branches all located in Bandung, Indonesia.

ASSYAFI’IYAH BERKAH NASIONAL

KSPPS Assyafi’iyah

KSPPS Assyafiiyah is one of the pioneer cooperative that are base in Lampung.

ANUGERAH SYARIAH

KSPPS Anugerah

KSPPS ANUGERAH is a loan and saving cooperative based in Temanggung, Jawa Tengah.

KSP SETIA MULTI SARANA

KSP SETIA MULTI SARANA

KPS Setia were created based on the foundation that it is inefficient and hard for small businesses to get financial support from the conventional financial institution.

BMT MITRA UMAT

KSPPS MITRA UMAT

KSPPS BMT Mitra is a cooperative that serve syariah saving and loans product

ARTHA MULIA

KSP ARTHA MULIA

Artha Mulia saving and loan cooperative are located at Jl. Jendral Sudirman, Semarang Barat, Semarang

AKR

Koperasi Abdi Kerta Raharja

The only government-initiated cooperative in Indonesia, AKR seeks to break the cycle of poverty through micro financing.

KUM Syariah

Koperasi Karya Usaha Mandiri Syariah

Lending exclusively to women borrowers, KUM Syariah offers Sharia compliant solutions for micro financing.

BMT ItQan

Koperasi Syariah BMT ItQan

Koperasi Syariah BMT ItQan adopts the Grameen Bank model of group lending, modifying it to conform to the principles of Sharia.

KSP ARTHA MITRA ABADI JAYA

KOPERASI SIMPAN PINJAM ARTHA MITRA ABADI JAYA

With a large loan portfolio, Artha MAJ is a strong player in Central Java’s microcredit industry.

Komida

Koperasi Mitra Duafa

One of the largest microfinance institutions in Indonesia, Komida's mission is to provide access to finance for impoverished women.

Lend longer, earn better, hassle-free, and fully protected

Provide funding for women who run micro-businesses all over Indonesia. Earn up to 12.5% yearly. Your principal is covered by protection guarantee from our lending partners. Credit insurance is also available for eligible loans.

icon-funding

[[ category.title ]]

Monthly Repayments

Maximize your fund and yield up to [[ category.interest_percent ]] p.a

Yield up to

[[ category.interest_percent ]]p.a

Equivalent to [[ category.effective_percent ]] effective p.a

  • Yield up to [[ category.interest_percent ]] flat / [[ category.effective_percent ]] effective p.a

  • Minimum funding amount IDR 100.000

  • Enjoy the convenience of funding a loan with an automatic loan selection system

  • Make your money work effectively for you

  • [[ category.message1 ]]

  • [[ category.message2 ]]

  • Easier and more effective


Numbers that matter to you

81,114

Total Loans Funded

IDR 55.8 bilion

Loans Sold (years to date)

99%

Productive Loans

IDR 284 bilion

Total Funding (to date)

IDR 72.2 bilion

Loans Outstanding

86%

Women Borrowers

100% Successful

Repayment Rate

61,840

Total Borrowers

74% Located

Outside Jabodetabek

5.6% - 12.5% flat p.a

Interest Received by Lender

0.5% - 2% flat p.a

MEKAR fee

Lend to Indonesian businesses

Start lending and enjoy high returns

Explore more opportunities

What they say about us


Mekar offers wealthy Indonesians the opportunity to directly develop Indonesia.

Mekar Funder - Putera Sampoerna
Putera Sampoerna Founder

I am funding loans via MEKAR so that I can help strengthen Indonesia's MSMEs.

Mekar Funder - Mulyadi Tjung
Mulyadi Tjung Lender

MEKAR is the best choice for lenders whose goal is not only to earn some interest on their money but also to help grow MSMEs and micro businesses. Also, in terms of safety, it is better than other Fintech startups out there.

Mekar Funder - Davis Ray
Davis Ray Lender

MEKAR has a good platform and all its features are easy to understand, hopefully MEKAR can continue to support the growth of Indonesian MSMEs. We must support MEKAR because this platform benefits everyone so we can take a step forward together.

Mekar Funder - Andreas Sihombing
Andreas Sihombing Lender

It feels good to be able to help others while earning money. Compared to other P2P platforms, MEKAR is the one where I can get a guarantee for my principal and that makes me feel safe and secure.

Mekar Funder - Matheus Saniang Naga Siagian
Matheus Saniang Naga Siagian Lender

I am funding loans through MEKAR not only because I get to help Indonesian small businesses grow but also because I get to enjoy good returns and security for my money.

Mekar Funder - Sucipto
Sucipto Lender

Mekar gives us the opportunity to contribute directly to Indonesia's micro, small and medium enterprises. Through Mekar's P2P lending platform we can help the unbankables or those who are in need of funding grow their business. Furthermore, more than just a P2P platform, Mekar facilitates for lenders to visit micro businesses so that we can get to know more about the kind of businesses we are funding.

Mekar Funder - Agung Noegroho
Agung Noegroho Lender

At first I was hesitant to start funding loans via MEKAR because at that time MEKAR was not yet registered with the Financial Services Authority (OJK), but now that MEKAR is registered with the OJK, I feel confident funding business loans through MEKAR.

Mekar Funder - Dian Kurniawan
Dian Kurniawan Lender

I came to know MEKAR after reading about it in the Kontan tabloid. At first, I funded loans via MEKAR just for the fun of it, just giving it a try because MEKAR does offer a good return, not to mention the principal guarantee. But as it turns out, funding loans in MEKAR has given me many more benefits than just financial returns; it gives us a chance to support the growth of MSMEs all over Indonesia. Furthermore, its professional financial management system gives me more confidence in funding more loans on the MEKAR platform. When I have more money I would like to help more MSMEs through MEKAR. I wish MEKAR success and hope that it will keep giving its best for the growth of Indonesian MSMEs.

Mekar Funder - Ester Ratih Dwihapsari
Ester Ratih Dwihapsari Lender

At first I was hesitant to start funding business loans via MEKAR so I started with funding just one loan. The experience was superb so I decided to fund more loans. Since then, whenever I have money, I always feel the urge to save my money in MEKAR. Thank you, MEKAR.

Mekar Funder - Tri Sutrisno
Tri Sutrisno Lender

By funding loans via MEKAR, I am getting a higher return than time deposit and creating positive social impact for women. My principal is guaranteed by MEKAR's lending partners.

Mekar Funder - Maria Magdalena Edi Hardani
Maria Magdalena Edi Hardani Lender

Funding loans through MEKAR makes me feel like I am playing a part in improving Indonesia's macro-economy. For lenders, it is important that the country's economy is healthy as it will drive consumption levels and foster great funding opportunities with good returns.

Mekar Funder - Herry Prakasa Hertanto
Herry Prakasa Hertanto Lender

The repayments are on time and it makes me very happy to know that my money is helping Indonesian MSMEs that are finding a hard time getting a loan from the bank. During these first three months, the repayments have always been right on schedule.

Mekar Funder - David Tarihoran
David Tarihoran Lender

Funding loans in MEKAR gives me a sense of security because MEKAR is the only peer to peer lending platform that offers a guarantee from its partners for our principal. Since the very start, I've never had a problem funding loans in MEKAR; every time I have a question about anything, MEKAR's customer support is always helpful and provides the answer in a satisfactory manner.

Mekar Funder - Anastasia Novita Tedjamulja
Anastasia Novita Tedjamulja Lender

Subscribe to Mekar newsletter
Get the latest news, updates, and special offers delivered straight to your inbox!

Our partners