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About Us

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.

Meet Our Team

Ahmad Fuad LinkedIn

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 ...

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Ahmad Fuad LinkedIn

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 ...

Read more bio

Ceppy Yana Mulyana

Ceppy Yana Mulyana LinkedIn

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) ...

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Pandu Aditya K.

Pandu Aditya K. LinkedIn

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. ...

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Ceppy Yana Mulyana LinkedIn

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) ...

Read more bio

Pandu Aditya K. LinkedIn

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. ...

Read more bio

Shareholders

Putera Sampoerna Foundation

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.

Sampoerna Wirausaha

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

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.

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) in 2008. After successfully bringing business transformation in the Sampoerna cooperative, Ceppy joined Mekar as president director in July 2022 to develop Mekar more optimally.

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. 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.

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) in 2008. After successfully bringing business transformation in the Sampoerna cooperative, Ceppy joined Mekar as president director in July 2022 to develop Mekar more optimally.

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.

MEKAR, A MARKETPLACE

MEKAR essentially is a marketplace where business owners who need financing and people who can lend them their funds to finance the businesses meet. This system is also known as peer-to-peer (P2P) lending.

P2P FinTechs like MEKAR have proven capable of helping small businesses grow and sustaining them in Indonesia’s informal economic sector. Businesses that have been overlooked by banks because they are considered as not bankable now have the opportunity to thrive as MEKAR provides them with access to lenders who can finance their businesses.

As an online marketplace, MEKAR facilitates peer-to-peer lending activities using a revolutionary technology that enables lenders to gain complete information about the loans on offer before making funding decisions.

On MEKAR’s web, you as a lender can access information about the borrowers’ profile, the location of their businesses, the loan amount, and its expected yield. You can then decide which loan you wish to fund that suits your preference and the size of your pockets. This gives you full control of your funding choices.

We are committed to transparency in both the potential returns and risks in P2P lending transactions. We take risk mitigation measures in order to protect our lenders from loan defaults. We use a set of stringent selection criteria for both borrowers and lending partners, including requiring borrowers to not have a history of bad credit and requiring lending partners to have an NPL rate lower than 1 percent.

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Contact Us

Sampoerna Strategic Square,
South Tower, 21st floor,
Jalan Jendral Sudirman Kav. 45-46,
Karet Semanggi, Kecamatan Setiabudi,
Jakarta Selatan 12930
+6221 300 22735 (Call)
+62819 5265 6411 (Whatsapp)

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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 No. 77/POJK.01/2016 on Information Technology-Based Lending Service, 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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