Finance women-run businesses in Indonesia. Earn up to 10% per year with principal protection.

To grow through funding

Fund loans to Indonesian businesses

Empower women micropreneurs

Earn up to 10% per annum

Enjoy a principal protection guarantee provided by MEKAR's partners

Why funding through Mekar?

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

Empowering Indonesian women

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

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

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KSP Mekarsari

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

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KSP Melania Credit Union

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

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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.

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KSP Pangestu

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

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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.

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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.

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KSP Artha Mulia

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

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KSP Mitra Jasa

KSP Mitra Jasa is a loan and saving cooperative based in Indramayu, West Java

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Koperasi Abdi Kerta Raharja

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

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KSP Artha Mitra Abadi Jaya

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

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Koperasi Sila Mukti

Partnering with Sila Mukti, which caters to micro credit borrowers in several regions in Bali, is part of Mekar's efforts to broaden our reach.

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KSP Tanaoba Lais Manekat

The Tanaoba Lais Manekat Savings and Loans Cooperative was established in 2011 in Kupang, East Nusa Tenggara, by a foundation of the same name.

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KSP 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.

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KSP Graha Mandiri

Managed by professionals with extensive experience in the banking industry, Graha Mandiri has established a strong presence in Central Java's microcredit scene.

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Numbers that matter to you

116,907

Total Loans Funded

IDR 227 bilion

Loans Sold (years to date)

98%

Productive Loans

IDR 845 bilion

Total Funding (to date)

IDR 211 bilion

Loans Outstanding

78%

Women Borrowers

108,615

Total Borrowers

77% Located

Outside Jabodetabek

0.5% - 2% flat p.a

MEKAR fee

0.44% - 6.84% flat monthly

Interest Received by Lender

Updated: Dec. 4, 2023

What they say about us

Mekar offers wealthy Indonesians the opportunity to directly develop Indonesia.

Putera Sampoerna Founder

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

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.

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.

Andreas Sihombing Lender

It feels good to be able to help others while earning money.

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.

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.

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.

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. 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.

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.

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.

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.

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.

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.

Anastasia Novita Tedjamulja Lender

Our partners

GROW WITH MEKAR

Mekar connects lenders with micro, small and medium businesses across Indonesia that are looking for financing.

A reliable and revolutionary P2P lending company, Mekar offers a convenient way to grow your money by financing local businesses in Indonesia through our online crowdfunding platform.

In Mekar, you can enjoy solid returns. If what you’re looking for is a safe and profitable way to grow your money, you’ve come to the right place. The added value is, when you fund loans to small businesses, it will help stimulate the local economy and bring prosperity to communities across Indonesia.

Mekar partners with microfinance institutions at the local level such as savings and loan cooperatives and multi-finance firms, allowing Mekar to cater to people from all parts of Indonesia. This is why the loans on offer in Mekar come from various parts of the country, not only from the capital Jakarta or its surrounding.

Mekar carefully vets our partners through a rigorous selection process. All Mekar’s partners have the expertise and years of experience in identifying and reaching out to small business owners that are in need of a capital boost or even just a microloan in their bid to grow their businesses. Our partners own extensive loan portfolios and they are highly skilled in credit risk assessment and loan management, collection and repayment.

Mekar is formally known as PT Mekar Investama Sampoerna. Mekar is funded and owned by Mr. Putera Sampoerna.

PEER-TO-PEER LENDING IN MEKAR

The peer-to-peer lending system in Mekar makes funding business loans safe and profitable both for the lenders and the borrowers.

In peer-to-peer lending, individuals can borrow and lend money through an online service that connects lenders and borrowers. The advantage of this system to lenders is that they can potentially get higher returns than if they have kept their money in a savings or time deposit account or any other savings product offered in a bank.

Borrowers can also benefit from a peer-to-peer lending and crowdfunding system by getting a lower interest rate for their loans, compared to the rates imposed by other funding sources. A peer-to-peer lending company in Indonesia like Mekar provides these borrowers, small business owners who typically lack access to bank loans, with the opportunity to secure the funding they need to grow their business.

Mekar uses the peer-to-peer concept to ensure more effective and efficient lending activities. Mekar functions as an online marketplace where lenders and borrowers meet, thus facilitating business funding in an easy, safe, convenient and profitable way.

FUNDING SMALL BUSINESS LOANS VIA MEKAR

Ready to start funding small business loans and earn returns?
With Mekar, you can get a profit of up to 10% or an average of 10% annually (before tax and, for holders of a non-Indonesian bank account, excluding transfer fees and inflation risks). You have plenty to choose from Mekar’s extensive list of micro loans to fund. All of our borrowers have undergone a stringent vetting process so you can fund their loans comfortably with minimum risks.

WHY FUND LOANS TO INDONESIAN SMALL BUSINESSES VIA MEKAR?

- Make a Change: Your funding helps small businesses grow, stimulates the economy and brings prosperity to Indonesian people.

- Attractive Returns: An average of 10% and up to 10% annually, higher than bank savings or time deposit interest rates.

- Protection Guaranteed: 100% of your principal is guaranteed by Mekar's parters.

- Diversified Portfolio: We offer you loans from various business sectors across the country to fund.

GROW YOUR MONEY

Don’t let your money sit in the bank. If you have been saving your money in a bank savings account or a time deposit, you might want to reconsider that decision. A savings account gives you 0-2% in interest a year, sometimes even no interest at all, and a time deposit only offers a return of 4.5-6.5% a year. By choosing these savings instruments, you have limited your maximum potential yield, especially if you factor the inflation rate into the equation.

An online opportunity to fund business loans with a peer-to-peer system such as the one offered by Mekar will give you higher returns, up to 10% per year. It is also a much easier way to grow your money than putting it in instruments such as shares or property.

Trading stocks can be time consuming as you have to first research the hundreds of different companies that are trading in the stock market before you can decide which one to buy. You will also need to watch the stocks’ movement on the stock chart on a daily basis. And don’t forget, stocks are very volatile.

On the other hand, buying a property to let requires a huge amount of money and you may need to spend months to find the right property to buy.

Here at Mekar you can find an easier, safer, more flexible and more profitable way to grow your money. Start funding loans via Mekar now and you will help small businesses in Indonesia grow.

Also visit Mekar Blog for news updates and stories on peer-to-peer lending and how funding small businesses can create a positive impact.

Make a Bigger Impact by Doing More

In Mekar.id your company can fund businesses on a large scale and help create a positive and more scalable social and environmental impact.

Become an Institutional lender, Become an Agent of Change

You or your company can register as an institutional lender and finance small business loans in bulk. Fund more than 100 small business loans at once, enjoy a solid return and a positive branding for your company as an agent of change for the local economy.

Branding for you

Our marketing campaign will highlight the role of your company as an institutional lender. Get positive coverage in Mekar’s web, news portals and social media.

Enjoy The Benefits

- Practical: Fund hundreds of loans at once.

- Attractive Returns: Up to 10% flat per year.

- Real Impact: Help grow small Indonesian businesses and the local economy, create jobs, empower women.

- Positive Branding: Exposure for your company’s role in supporting Indonesia’s small businesses.

Flexible Partnership Schemes

As an institutional lender, your company will be able to fund loans in bulk through Mekar’s peer-to-peer lending platform. You can choose to incorporate your funding in your company’s CSR program, or it can be a commercial opportunity that your company can take for its sizeable yield.

Funding Small Business Loans as a CSR Program

Create a more meaningful and impactful CSR program for your company by taking part in Mekar’s bulk loan buying scheme. Under this scheme, your company can fund hundreds of loans at once and get a sizeable return at the end of the funding period. The monthly yield generated from loan repayments will be automatically used to fund the next bulk of loans, thus creating a sustainable social impact.

Enjoy the Returns Immediately, Fund Loans Through the Commercial Scheme

Enjoy the returns from funding business loans in bulk immediately after the loans mature. You can always fund loans in bulk again anytime you want.

A Full Service Proposition for You

Sit back and relax, Mekar will take the work out of your hand. Our professional team will do your risk assessment, loan reconciliation and collection for you, even create a marketing campaign that highlights your company’s role in the growth of Indonesia’s small businesses by funding their loans via Mekar. You get to enjoy the benefits: a solid return, a sizeable social impact, and a positive branding for your company.

Help small business in Indonesia

To grow through funding

Why funding through Mekar?

Empowering Indonesian women

Positive social impact

A fair rate for everyone

Our lending partners

Lend longer, earn better and hassle-free

Numbers that matter to you

116,907

IDR 227 bilion

98%

IDR 845 bilion

IDR 211 bilion

78%

108,615

77% Located

0.5% - 2% flat p.a

0.44% - 6.84% flat monthly

Lend to Indonesian businesses

What they say about us

Our partners

GROW WITH MEKAR

PEER-TO-PEER LENDING IN MEKAR

FUNDING SMALL BUSINESS LOANS VIA MEKAR

WHY FUND LOANS TO INDONESIAN SMALL BUSINESSES VIA MEKAR?

GROW YOUR MONEY

Make a Bigger Impact by Doing More

Become an Institutional lender, Become an Agent of Change

Branding for you

Enjoy The Benefits

Flexible Partnership Schemes

Funding Small Business Loans as a CSR Program

Enjoy the Returns Immediately, Fund Loans Through the Commercial Scheme

A Full Service Proposition for You

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