Mekar (PT Mekar Investama Sampoerna) 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's business activities are closely supervised by and regulated under OJK Regulation No.77/POJK.01/2016 on Information Technology-Based Lending Services to ensure MEKAR's legality and compliance with the laws and regulations in Indonesia.
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
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 ...
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 ...
Ceppy Yana Mulyana
President Director
Ceppy is an experienced professional in the financial services industry and started his career in banking in 2002. Ceppy then occupied a strategic position as chairman of the Sampoerna cooperative (KSP Sahabat Mitra Sejati) ...
Pandu Aditya K.
Director
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. ...
Ceppy Yana Mulyana
President Director
Ceppy is an experienced professional in the financial services industry and started his career in banking in 2002. Ceppy then occupied a strategic position as chairman of the Sampoerna cooperative (KSP Sahabat Mitra Sejati) ...
Pandu Aditya K.
Director
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. ...
Shareholders
Putera Sampoerna Foundation
Established as a social organization, Putera Sampoerna Foundation aims to assist in the development of Indonesia as a nation. In 2015, the organization was transformed into a social business which recognizes the importance of education in nation building.
PT Sampoerna Wirausaha
PT Sampoerna Wirausaha was established in 2010 by Putera Sampoerna Foundation as a business incubator for startups. PT Sampoerna Wirausaha transformed its business model in 2012 when it launched Mekar.id, a peer-to-peer lending platform.
Today, PT Sampoerna Wirausaha is a holding company that owns 3 startups, including PT Mekar Investama Sampoerna, which operates Mekar.id. PT Sampoerna Wirausaha's line of business also includes providing a state-ot-the-art core banking system, called Silvia, for non-bank financial institutions in Indonesia.
Our Mission
Improve access to finance to small businesses
Grow businesses that create jobs
Deliver good financial and social return on our lenders' money
INTRODUCING MEKAR
Small business owners in Indonesia have often faced difficulties in accessing conventional financing sources. On the other hand, there is a growing number of middle class people who want to grow their money in an easy, quick, safe and profitable way. MEKAR connects the two through technology. MEKAR is a FinTech lending company that provides opportunities to fund small Indonesian businesses using a peer-to-peer system.Mekar.id is the web platform used by MEKAR to offer all the available loans to you, the lenders. You can reap up to of 10% profit annually and have your principal guaranteed by up to 100 percent by our lending partners.
MEKAR means 'To blossom' in Bahasa Indonesia. Mekar (PT Mekar Investama Sampoerna) 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. Our logo represents a four way partnership between small businesses (green), lenders (blue), agents (red) and MEKAR staff and technology (yellow). We rely on collaborative partnership to make our model work.
Lending FinTechs are mushrooming in Indonesia. But MEKAR is different because, at MEKAR, your money is used to finance small businesses and, therefore, create real impact and bring about positive changes to Indonesia. Small businesses that are listed as borrowers in MEKAR are those that have positive societal and environmental impacts. Also, most of the loans managed by MEKAR are productive loans that are used to grow a business. Your money will be used to purchase tools or raw materials or to expand the scope of a small business—things that would mean the creation of new jobs.
The loans offered in Mekar.id come from many parts of Indonesia. This is because MEKAR has partnered with financial institutions with offices in more than 13 provinces in the country. We call them our lending partners. MEKAR’s lending partners are banks with local branches in the regions and also non-bank financial institutions such as cooperatives that interact directly with people in the regions.
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