Mekar Funder Portal Peer-to-Peer Lending Marketplace
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About Us

Mekar mission is to promote financial inclusion and empower small business owners and individuals to achieve their financial goals. We are committed to providing accessible and innovative financial products and services, leveraging technology to connect global liquidity providers to borrowers in Indonesia. Our focus on Partnership with the best Cooperative in Indonesian has helped us make a positive impact on the lives of our clients and the local community.

MEKAR aims to improve access to finance to micro, small and medium-sized businesses that have a positive economic and social impact in Indonesia. We do this by connecting lenders with businesses needing finance. In doing this, we partner closely with (non-bank) financial institutions with operations in many parts of Indonesia.

MEKAR has received a lending license from OJK with issuance of a decree Number KEP-127/D.05/2019 dated December 18, 2019. MEKAR business activities are closely supervised by and regulated under OJK Regulation No.10/POJK.05/2022 on Information Technology-Based Joint Funding Services to ensure MEKAR legality and compliance with the laws and regulations in Indonesia.

On January 11, 2024, PT Mekar Investama Sampoerna was acquired by Linkki Singapore Pte. Ltd. which led to the change of the company name to PT Mekar Investama Teknologi.

MEKAR uses technology to improve access to finance for small businesses in Indonesia. To achieve this mission, MEKAR engages wealthier Indonesians to finance the less wealthy entrepreneurial Indonesians.

As a small and efficient institution, MEKAR achieves national coverage by working with credit cooperatives, rural banks and financial institutions with a total of around 300 branches across the country. These institutions find, select and pre-fund the businesses. MEKAR selects the least risky borrowers for wealthier Indonesians to finance. This then frees up the capital of the institutions so that more businesses can be financed. mekar.id is the web platform that MEKAR uses for this service.

Meet Our Team

Meet Our Team of Experts Behind Mekar's Success

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Ahmad Fuad

Commissioners

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Pandu Aditya K.

CEO

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Mahwi Winarto

Director

Ahmad Fuad

Commissioners

Ahmad started his career in the banking sector in 1983 when he joined the Indonesian Central Bank (Bank Indonesia). His previous roles include Director of Banking Investigation and Mediation at Bank Indonesia as well as senior leadership positions at PT Bank Rakyat Indonesia. In 2012, Ahmad joined the Sampoerna Financial Group.

Pandu Aditya K.

CEO

Pandu has experience since 2007 in the financial services industry. After more than 9 years of career in banking, Pandu entered the fintech industry in 2016. Pandu and the previous co-founder of Mekar has developed Mekar's business model that focuses on MSME growth through collaboration with the best cooperative partners throughout Indonesia. This model enables Mekar to reach the unbankable segment while maintaining optimal risk mitigation.

Mahwi Winarto

Director

Mahwi Winarto has pursued a dynamic career in banking and finance since 2003, holding key roles at leading institutions. His expertise in risk management, operations, and marketing has not only driven success in his previous roles but has also significantly fortified the foundation of MEKAR, propelling the company towards greater achievements.

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Ahmad Fuad

Commissioners

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Pandu Aditya K.

CEO

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Mahwi Winarto

Director

Our Shareholders

Linkki Singapore, Pte. Ltd

Linkki Singapore, Pte. Ltd is regulated under the laws of Singapore and is a subsidiary of Linkki Group Pte. Ltd., was esatablished by a group of active investors who focus on investment, sustainable business and providing positive social impact.

PT Sejahtera Mekar Investama

PT Sejahtera Mekar Investama is regulated under the laws of the Republic of Indonesia and operates as a holding company, with its activities including services provided by advisors and negotiators in planning corporate mergers and acquisitions.

Vision

To build a financially inclusive society by alleviating the unbank into the next chapter of mankind

Mission

To connect every underserved productive member of society with the world’s leading financial institution

Client Testimonials

Hear What Our Clients Have to 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.

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 ju...

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. Thank you, MEKAR.

Tri Sutrisno

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

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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 Number 10/POJK.05/2022 about Information Technologi-Based Joint Funding Services, 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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