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About Us

Building Impact Through Responsible Finance

Since our founding in 2010, we have been driven by a simple but powerful belief: access to responsible financing can create meaningful opportunities and transform lives.

What began as a pioneering philanthropic venture in Indonesia has grown into Indonesia’s largest impact lender. Over the years, we have built a scalable lending platform focused on expanding access to finance for underserved individuals, micro and small businesses, and communities that have traditionally been overlooked by conventional financial institutions.

MEKAR has received a lending license from OJK with issuance of a decree Number KEP-127/D.05/2019 dated December 13, 2019. MEKAR business activities are closely supervised by and regulated under OJK Regulation No. 40 of 2024 on Information Technology-Based Joint Funding Services to ensure MEKAR legality and compliance with the laws and regulations in Indonesia.

Our growth has always been underpinned by a strong commitment to responsible lending. We combine technology, data-driven credit assessment, and disciplined risk management to deliver sustainable financing solutions while maintaining one of the industry’s lowest non-performing loan (NPL) rates. For us, growth is not simply about the volume of financing we provide, but about building a resilient business that creates lasting value for our borrowers, investors, and the communities we serve.

 

Our Vision

Our vision is to make finance more inclusive, sustainable, and impactful. We continue to develop innovative lending solutions that support micro and small businesses, underserved communities, and sustainable agriculture, while contributing to broader environmental, social, and economic outcomes.

At the same time, we have built Mekar into a trusted investment partner for financial institutions, family offices, and accredited investors across the region. We provide our partners with access to impact-driven investment opportunities supported by a disciplined lending platform, robust risk management, and a strong track record of performance.

 

Continuing to Raise the Standard

Our journey is still in its early stages. As we continue to grow, we remain focused on combining financial performance with measurable and sustainable impact. Our commitment to environmental, social, and governance (ESG) principles is embedded in the way we develop our products, manage risk, and create opportunities for the communities we serve.

This commitment has been recognised through multiple industry awards and accolades, reinforcing our position as a leader in sustainable ESG lending.

Looking ahead, we remain cautiously optimistic yet driven. We want to continue expanding access to responsible finance, deepen our impact across Indonesia and the region, and build Mekar into a leading platform for sustainable lending and impact investment.

We believe that finance can do more than generate returns. It can create opportunities, strengthen communities, and build a more sustainable future. That is the future we are building at Mekar.

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

COO

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

COO

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

COO

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

Contributing to develop Indonesian society on financial inclusion and bring out great awareness for financial literacy.

Mission

To enhance financial access for MSME players, encourage job creation, and strengthen financial literacy within the community. We are also committed to empowering women by providing equal opportunities for growth and ensuring inclusivity in the economy, thereby creating a positive and sustainable impact for all segments of society.

Borrower's Stories

I wanted my child to graduate, but I didn’t have money to pay the transcript. Then the Cooperative helped me through financing from Mekar. Everything changed: my debt was paid off, and the transcript was redeemed. Now I'm focused on repaying Mekar. Thanks Mekar.

Ade Arifah

Karyawati Pabrik

I started selling meatballs and chicken noodles from a small cart. My income was only enough to cover daily needs. After Mekar's financing through the Cooperative, I opened a stall. Revenue rose from 6M to 15M. It’s more than money, it’s hope. Thanks, Mekar!

Yuli Hertati

Penjual Mie Ayam

Thanks to a Mekar loan through the Cooperative, I could pay my child's private school re-enrollment, settle debts, and use the rest as business capital. I'm truly grateful to Mekar and the Cooperative team for making things easier.

Suherawati

Karyawati Pabrik

I started selling goods on credit and distributing water gallons. After receiving financing from Mekar through the Cooperative, my business grew. I bought a water filtration machine, opened a depot, and became a gas distributor. Thank you, Mekar!

Siti Rahmah

Jualan Galon

I started by selling electronics on credit, door-to-door by bike, earning 10M/month. After getting Mekar financing through the Cooperative, I switched to a grocery store with my own kiosk. Now I earn 22M/month. Thanks, Mekar. Your support truly helped my business grow.

Aminah

Pengusaha Elektronik

Thank you very much for the loan that has greatly helped me. This loan means a lot to me as it allowed me to support my parents in their time of need. I hope this program continues and brings benefits to many others in need.

Wardiansah

Karyawan

Thank you for the support and collaboration in helping our members access financing. This program is very beneficial, especially in urgent situations. We hope this synergy continues and brings a positive impact to communities across Indonesia.

Febri

Pengurus Organisasi

I started selling vegetables and side dishes by motorcycle, earning 7M/month. Alhamdulillah, after receiving financing from Mekar through the Cooperative, my business grew. I opened a kiosk, expanded stock, and now earn 20M/month. Thank you, Mekar!

Aisah

Penjual Sayur

I am truly grateful for the opportunity and trust that allowed me to receive a loan. This support has provided a real solution to my current financial needs. I hope this program can continue to help and benefit many others.

Nayaminitia

Pekerja

I started selling groceries and snacks for kids with just a table, earning 3M/month. After receiving financing from Mekar through the Cooperative, my business grew. I expanded to fresh vegetables, got a better setup, and now earn 15M/month. Thank you, Mekar!

Marhana

Usaha Toko Kelontong

DISCLAIMERS:
  1. PT Mekar Investama Teknologi is a provider of Information Technology-Based Joint Funding Services (LPBBTI), operating under the electronic system “Mekar”, which connects Lenders and Borrowers on a single platform.
  2. Information Technology-Based Lending Service is a civil agreement between the Lender and the Borrower. Therefore all risks incurred from the agreement shall be borne entirely by the respective parties.
  3. The credit risk or debt default shall be borne entirely by the Borrower. No government body or authority will take responsibility for this default risk.
  4. Mekar, under the consent of the respective users (the Lender and/or the Borrower), accesses, collects, stores, manages, and 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.
  5. The Lender with no knowledge and experience concerning funding is advised not to use this service.
  6. The Borrower must take into account the interest rate and other costs incurred corresponding to his/her ability in repayment of the funding.
  7. All fraudulent activities will be digitally recorded and will be accessible to the general public through social media.
  8. The User must read and fully understand this information before deciding to become a Lender or Borrower.
  9. The Government, in this case represented by the Indonesian Financial Services Authority (OJK), shall not be held liable for any violation or non-compliance committed by the Lender or the Borrower (whether it is intended or due to the User’s negligence) against the regulations, the agreement or the bond between the Organizer and the Lender and/or the Borrower.
  10. Every funding transaction and activity or the agreement implementation concerning funding between or those involving Mekar, the Lender and/or the Borrower must be carried out through an escrow account and a virtual account as regulated in the Financial Services Authority Regulation Number 40 of 2024 about Information Technology-Based Joint Funding Services, and any violation and disobedience of the regulation shall be considered as evidence of a violation of law committed by Mekar. Therefore, Mekar 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.
  11. BE CAUTIOUS, THIS TRANSACTION INVOLVES HIGH RISK. YOU MAY EXPERIENCE LOSSES OR LOSE MONEY. DO NOT BORROW IF YOU DO NOT HAVE THE ABILITY TO REPAY. CONSIDER CAREFULLY BEFORE MAKING THE TRANSACTION.

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