Deliver good financial and social return on investment to our funders.
Putera Sampoerna Foundation
Small business owners in Indonesia have often faced
difficulties in accessing conventional financing sources.
the other hand, there is a growing number of middle class
people who want to invest in an easy, quick, safe and
profitable way. Mekar connects the two through
Mekar is a FinTech lending company that provides online
loans investment opportunities using a peer-to-peer system.
Mekar.id is the web
platform used by Mekar to offer all the
available loans to you, the future investors. You can reap
average of 10% profit annually and have your initial
guaranteed by up to 100 percent by our lending partners.
Mekar means 'To Blossom' in Bahasa Indonesia. Mekar (P.T.
Sampoerna Wirausaha) was founded in 2010. It is fully owned
the Putera Sampoerna Foundation. Mekar aims to improve
to finance to small businesses that have a positive
and social impact in Indonesia. We do this by connecting
funders with businesses needing finance. To enable this we
partner closely with (non-bank) financial institutions
are present all over Indonesia. Our logo represents a four
partnership between small businesses (green), funders
agents (red) and Mekar staff and technology (yellow). We
collaborate in partnership to make our model work.
Lending FinTechs are mushrooming in Indonesia. But Mekar is
different because, at Mekar, your investment will finance
have a real impact on small business and, therefore, bring
about positive changes to Indonesia. Small businesses that
listed as borrowers in Mekar are those that have positive
societal and environmental impacts. Also, all loans managed
Mekar are productive loans that are used to grow business.
money will be used to purchase machines, raw materials or
expand the scope of a small business—things that would mean
creation of new jobs.
The loans offered in Mekar.id come from many parts of
Indonesia. This is because Mekar has partnered with local
financial institutions. Mekar's partners are banks with
branches in the regions and also non-bank financial
institutions such as cooperatives that interact directly
people in the regions.
Mekar also has a network of agents tasked with identifying
small businesses that need financing. They will provide
to financial institutions who will then follow up the
For this service, Mekar uses the platform
MEKAR, A MARKETPLACE
Mekar essentially is a marketplace where business
need financing and investors who can lend them their
finance the businesses meet. This system is also known
peer-to-peer (P2P) lending.
P2P FinTechs like Mekar have proven capable of helping
businesses grow and sustaining them in Indonesia's
economic sector. Businesses that have been overlooked
because they are considered as not bankable now have
opportunity to thrive as Mekar provides them with
investors who can finance their businesses.
As an online marketplace, Mekar facilitates
lending activities using a revolutionary technology
enables investors to gain complete information about
on offer before making investment decisions.
On Mekar's web, you as an investor
the borrowers' profiles and the location of their
as well as the risk rating of each loan and its
You can then decide which loan you wish to fund that
preference and the size of your pockets. This gives you
control of your investment choices.
We are committed to transparency in both the potential
and the risks of your investment. The risk rating
have is one way we use to provide an information about
credit risk. We measure and give ratings to the credit
level of every loan offered in Mekar based on four
The first is if the loan comes from a lending partner
NPL of less than 2% of their total loans. Other
if the lending partner from which the loan comes has a
dedicated loan loss reserve, if the loan has a
if the lending partner is profitable.