We're a team of professionals who share the same passion for improving access to finance to Indonesian small businesses and providing lenders with opportunities to grow their money and create meaningful impact.
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.
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.
Improve access to finance to small businesses
Grow businesses that create jobs
Deliver good financial and social return on our lenders' money