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 16% 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 16% 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 16% 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 16% 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 16% 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 16% 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.