Mekar - PT Mekar Investama Sampoerna- Investasi Peer to Peer Aman, Mudah & Memberi Keuntungan Lebih
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Socially-relevant investing for a more meaningful impact

  • Invest in loans for women's micro-enterprises in Indonesia

  • Lend for longer and earn up to 4.8% p.a.

  • Your principal is guaranteed

Invest now

Enjoy a 100% guarantee on your principal

Our lending partners guarantee that your principal is 100% protected. Your initial investment will be repaid even in the case of default.

Enjoy a 100% guarantee on your principal

A worry-free investment

You deserve an investment that you don't need to worry about. You can find it in Mekar.

No extra charges or premium

Every time you make an investment, your principal is guaranteed at no extra cost.

Let your money work for you

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

Why lend through Mekar?

Protection Guarantee

Enjoy a 100% protection guarantee for your principal, provided by our lending partners.

Principal protection guarantee

Women-Run Businesses

Lend to reliable and productive women-run businesses in Indonesia. Mekar only offers productive loans.

Women-run businesses

Positive Social and Economic Impact

By lending to Indonesian micro businesses, you are helping to create jobs, financial independence, and growing businesses.

Positive social and economic impact

A Fair Rate for You and The Micro Businesses

You earn a solid, fair rate of return. The borrowers also pay a reasonable rate of interest on their loan.

A fair rate for you and the micro businesses

Lend for longer, earn more. Hassle-free and guaranteed

Lend to women's micro-businesses across Indonesia. Earn up to 4.8% p.a.. Your Principal is
protected with a guarantee.

Mekar: 12 Months Invest
12 Months Invest

  • Full repayment in month 12

  • Earn 3.5% flat p.a. (before tax)

  • No fees*

  • USD 3,000 (IDR 40 mio) Minimum Investment

  • The rate is applicable to lenders without an Indonesian bank account

Start investing

Learn more

18 Months Invest
18 Months Invest

  • Full repayment in month 18

  • Earn 4% flat p.a. (before tax)

  • No fees*

  • USD 3,000 (IDR 40 mio) Minimum Investment

  • The rate is applicable to lenders without an Indonesian bank account

Start investing

Learn more

24 Months Invest
24 Months Invest

  • Full repayment in month 24

  • Earn 4.8% flat p.a. (before tax)

  • No fees*

  • USD 3,000 (IDR 40 mio) Minimum Investment

  • The rate is applicable to lenders without an Indonesian bank account

Start investing

Learn more

12 Months Invest - Full repayment in 12 months
Earn up to 3.5% p.a. (nett) (-20% tax on interest), transfer fees ( +/- 2% ), and inflation ( +/- 4-5 %)
Minimum investment US 3.000 / Eur 2500
Mekar charges you no fees
Your initial invesment is guaranteed by our partner credit coorperatives, we monitor them monthly
The Women borrowers pay +/- 23 % p.a. This is 10 % lower than the market price
Full repayment is done at the end of 12 Month
18 Months Invest - Full repayment in 12 months
Earn up to 4% p.a. (nett) (-20% tax on interest), transfer fees ( +/- 2% ), and inflation ( +/- 4-5 % )
Minimum investment US 3.000 / Eur 2500
Mekar charges you no fees
Your initial invesment is guaranteed by our partner credit coorperatives, we monitor them monthly
The Women borrowers pay +/- 23 % p.a. This is 10 % lower than the market price
Full repayment is done at the end of 18 Month
24 Months Invest - Full repayment in 12 months
Earn up to 4.8% p.a. (nett) (-20% tax on interest), transfer fees ( +/- 2% ), and inflation ( +/- 4-5 % )
Minimum investment US 3.000 / Eur 2500
Mekar charges you no fees
Your initial invesment is guaranteed by our partner credit coorperatives, we monitor them monthly
The Women borrowers pay +/- 23 % p.a. This is 10 % lower than the market price
Full repayment is done at the end of 24 Month
Mekar's Products for Foreign Funders

Do you have an Indonesian bank account?

Indonesian bank account holders can enjoy more varied investment
opportunities as well as higher returns.

Why you need to choose Mekar as your platform

Mekar

  • Solid return of up to 12.5% per year

  • 100% principal protection guarantee, at no extra cost

  • 100% on-time loan repayment rate

  • Create a positive social impact

  • No transaction or commission fees

  • More than 30,000 loans funded since February 2017

Lend to Indonesian businesses

Start lending and enjoy high returns

  • Amount: Rp 2,460,000

    You Earn: Rp 136,396

    Duration: 10 month

    Interest (Annual) : 7.18% flat

    Lending Partner: KUM Syariah

    Sector : Trading

    City : Bogor

    Gender : Female

    View detail

  • Amount: Rp 2,460,000

    You Earn: Rp 136,396

    Duration: 10 month

    Interest (Annual) : 7.18% flat

    Lending Partner: KUM Syariah

    Sector : Trading

    City : Bogor

    Gender : Female

    View detail

  • Amount: Rp 2,460,000

    You Earn: Rp 136,396

    Duration: 10 month

    Interest (Annual) : 7.18% flat

    Lending Partner: KUM Syariah

    Sector : Trading

    City : Bandung

    Gender : Female

    View detail

  • Amount: Rp 2,460,000

    You Earn: Rp 136,396

    Duration: 10 month

    Interest (Annual) : 7.18% flat

    Lending Partner: KUM Syariah

    Sector : Trading

    City : Bandung

    Gender : Female

    View detail

  • Amount: Rp 2,400,000

    You Earn: Rp 129,719

    Duration: 10 month

    Interest (Annual) : 7.18% flat

    Lending Partner: KUM Syariah

    Sector : Trading

    City : Bandung

    Gender : Female

    View detail
Borrower's Credit Profile

Amount : Rp 2,460,000

You Earn : Rp 136,396

Duration : 10 month

Interest (Annual) : 7.18% flat

Lending Partner : KUM Syariah

Sector : Trading

City : Bogor

Gender : Female

borrower's location

KP.CIBATA RT/RW 002/009, Bogor, West Java

Photo of a similar business

Borrower's Credit Profile

Amount : Rp 2,460,000

You Earn : Rp 136,396

Duration : 10 month

Interest (Annual) : 7.18% flat

Lending Partner : KUM Syariah

Sector : Trading

City : Bogor

Gender : Female

borrower's location

KP.CILENGKONG RT/RW 001/006, Bogor, West Java

Photo of a similar business

Borrower's Credit Profile

Amount : Rp 2,460,000

You Earn : Rp 136,396

Duration : 10 month

Interest (Annual) : 7.18% flat

Lending Partner : KUM Syariah

Sector : Trading

City : Bandung

Gender : Female

borrower's location

KP. KIARA PAYUNG RT. 002/003, Bandung, West Java

Photo of a similar business

Borrower's Credit Profile

Amount : Rp 2,460,000

You Earn : Rp 136,396

Duration : 10 month

Interest (Annual) : 7.18% flat

Lending Partner : KUM Syariah

Sector : Trading

City : Bandung

Gender : Female

borrower's location

KP. PASIR KIHIANG RT. 001/004, Bandung, West Java

Photo of a similar business

Borrower's Credit Profile

Amount : Rp 2,400,000

You Earn : Rp 129,719

Duration : 10 month

Interest (Annual) : 7.18% flat

Lending Partner : KUM Syariah

Sector : Trading

City : Bandung

Gender : Female

borrower's location

KP. KIARA PAYUNG RT. 001/003, Bandung, West Java

Photo of a similar business

Explore more opportunities

Our returning clients

What they say about us

Mekar offers wealthy Indonesians the opportunity to directly develop Indonesia.

Mekar Funder - Putera Sampoerna
Putera Sampoerna Funder

Invest in order to build a strong Indonesian SMEs.

Mekar Funder - Mulyadi Tjung
Mulyadi Tjung Funder

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

Mekar Funder - Davis Ray
Davis Ray Funder

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 Funder

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

Mekar Funder - Matheus Saniang Naga Siagian, Funder
Matheus Saniang Naga Siagian, Funder Funder

I am lending 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 Funder

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Our partners

Putera Sampoerna Foundation Shareholder
Bank Sahabat Sampoerna Advisor
Crowe Horwath Auditor
KPMG Funding Advisor
Asosiasi Fintech Indonesia Association

GROW WITH MEKAR

Mekar connects investors with small and medium-sized businesses across Indonesia that are looking for financing.

In Mekar, you can enjoy solid returns and a capital guarantee to protect your investment. If what you're looking for is a safe yet profitable investment product, you've come to the right place. On top of that, the fund you are investing to finance small businesses will help stimulate the local economy and bring prosperity to communities across Indonesia.

Mekar partners with microfinance institutions at the local level such as credit cooperatives and Bank Sampoerna, with its 120 strong branch network across the country, 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 and its surroundings.
Mekar carefully vets its partners through a selection process. All Mekar's partners have the expertise and years of experience in identifying and reaching out to small business owners that need capital injections in their bid to grow their businesses. Our partners have extensive loan portfolios and they are highly skilled in credit risk assessment, loan management, collection and repayment.

Mekar is formally known as PT Mekar Investama Sampoerna. Mekar is fully supported by the Putera Sampoerna Foundation.


PEER-TO-PEER LENDING IN MEKAR

The peer-to-peer lending system in Mekar makes investing safe and profitable both for the investors (the funders) and the borrowers.

In peer-to-peer lending, individuals can borrow and lend money through an online service that connects funders and borrowers. The advantage of this system to the funders 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 investment product offered in a bank.

Mekar uses the peer-to-peer concept to ensure more effective and efficient lending activities. Mekar functions as an online marketplace where funders or investors and borrowers meet and do their lending transaction in an easy, safe, convenient and profitable way.

START INVESTING

Ready to start a profitable investment? With Mekar, you can get a profit of up to 12.5% annually. You have plenty to choose from Mekar's extensive list of micro loans to fund. All of our borrowers has through a selection process so you can invest comfortably with minimum risk.

WHY INVESTING IN LOANS TO SMALL BUSINESSES THROUGH MEKAR?

- Make A Change: Your investment helps small businesses grow, stimulates the economy and brings prosperity to Indonesian people.
- Attractive Returns: Up to 12.5% annually, higher than bank savings or time deposit interest rates.
- Protection Guaranteed: Your initial investment is guaranteed up to 100%.
- Diversified Portfolio: We offer investment in loans from various business sectors across the country.

START YOUR INVESTMENT JOURNEY

  1. Set up your account: Quick and easy. Enter your personal data and go through the verification process.
  2. Browse for loans: Browse the list of loans on offer. Pick the one that suits you based on the available information.
  3. Transfer the funds: Start your investment, transfer the money according to the amount of the loan you have chosen to finance
  4. Reap the yields: When the loan is due, you will get your money back along with the interests.
  5. Repeat step number 2 and 4 and grow your investment.

BE A SMART INVESTOR

Before starting your investment, you should have as much information as possible about the investment product you are choosing. What are the information you need to know before choosing one of the loans to fund in Mekar?
  1. Look at the number: For starters, you need to know the amount of the loan you want to fund. This is the value of your investment. You also need to know the amount of profit you can get and the loan's tenure.
  2. Know the borrower: You can get information about the borrowers' profile, when they start their businesses, where they are located and in what sector they are operating.

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 1-2% a year in interest, sometimes even no interest at all, and a time deposit only offers a return of 5-6% a year. By choosing these saving instruments, you have limited your maximum potential yield, especially if you factor the inflation rate into the equation.

An online investment opportunity with a peer-to-peer system such as the one offered by Mekar will give you higher returns, up to 12.5% per year. It is also much easier to do than other investment options such as shares or property.

Investing in stocks can be time consuming as you have to first research some 350 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, starting an investment in property requires a huge amount of money and you may need to spend months to find the right property to invest in.

Here at Mekar you can find an easier, safer, more flexible and more profitable investment option. Start your investment now and you will help small businesses in Indonesia grow.

Also visit Mekar Blog for news updates and stories on investment and peer-to-peer lending to small businesses.

Make a Bigger Impact by Doing More

In Mekar.id you can invest on a large scale and help create a positive and more scalable social and environmental impact.

Become an Institutional Investor, Become an Agent of Change

You or your company can register as an institutional investor and finance small business loans in bulk. Invest in more than 100 small business loans at once, enjoy a solid return up to 12.5% per year 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 investor. Get positive coverage in Mekar's web, news portals and social media.

Enjoy The Benefits

  1. Practical: Finance more than 100 loans at once
  2. Attractive Returns: Up to 12.5% per year
  3. Low Risks: 100% guarantee for your initial investment, NPL < 1%
  4. Real Impact: Help grow Indonesian small businesses and the local economy, create jobs, empower women
Positive Branding: Exposure for your company's investment

Flexible Partnership Schemes

As an institutional investor, your company will be able to invest in bulk through Mekar's peer-to-peer lending platform. You can choose to incorporate the investment in your company's CSR program, or it can be a commercial opportunity that your company can take for its sizeable yield.

Investing in 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 finance hundreds of loans at once and get a 12.5% return every year. The yield generated from the investment will be automatically reinvested to finance the next bulk of loans, thus creating a sustainable social impact.

Enjoy the Returns Immediately, Finance Loans Through the Commercial Scheme

Enjoy the returns from your bulk investment immediately after the loans mature. You can always invest 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 investment with Mekar. You get to enjoy the benefits of your investment: a solid return, a sizeable social impact, and a positive branding for your company.
Read more...
Mekar - PT Mekar Investama Sampoerna - Easy, Secure, and Highly Profitable Peer To Peer Investment
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Contact Us

Sampoerna Strategic Square South Tower,
18 Floor JI. Jendral Sudirman Kav.45-46
Jakarta, Indonesia 12930
Phone (62-21) 300 22735

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DISCLAIMERS:

  1. Information Technology-Based Lending Service is a civil agreement between the Funder and the Lender. Therefore all risks incurred from the agreement shall be borne entirely by the respective parties.
  2. The credit risk or debt default shall be borne entirely by the Funder. No government body or authority will take responsibility for this default risk.
  3. The Organizer, under the consent of the respective users (the Funder and/or the Lender), accesses, gains, keeps, manages and/or uses the Users’ personal data (“Data Usage”) on or in the objects, electronic devices (including smartphones or cellphones), hardware or software, electronic documents, applications or electronic systems owned by or under the control of the Users, by informing the objective, boundaries and mechanism of the aforementioned Data Usage to the related Users before making the said agreement.
  4. The Funder with no knowledge and experience concerning lending is advised not to use this service.
  5. The Lender must take into account the interest rate of the loan and other costs incurred corresponding to his/her ability in repaying the loan.
  6. Every fraudulence will be recorded digitally in the cyberspace and will be accessible to the general public through social media.
  7. The User must read and fully understand this information before deciding to become a Funder or Lender.
  8. The Government, in this case represented by the Indonesian Financial Services Authority (OJK), shall not be held accountable of every violation or disobedience committed by the Funder or the Lender (whether it is intended or due to the User’s negligence) against the regulations, the agreement or the bond between the Organizer and the Funder and/or the Lender.
  9. Every lending transaction and activity or the agreement implementation concerning lending between or those involving the Organizer, the Funder and/or the Lender must be carried out through an escrow account and a virtual account as regulated in the Financial Authority Services Regulation No. 77/POJK.01/2016 on Information Technology-Based Lending Service, and any violation and disobedience of the regulation shall be considered as evidence of a violation of law committed by the Organizer. Therefore, the Organizer must bear any liability suffered by the Users as a direct result of the violation of law as mentioned above without reducing the rights of the Users that have suffered losses as stipulated in the Indonesian Civil Law.

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