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Learn About Partners

This all you have to know about funding on Mekar

A Lending Partner is a lending institution, like a credit cooperative (KSP) or a regional bank (BPR), that Mekar works with to find local small businesses and finance them. By collaborating with lending Partners Mekar can now enable you to finance businesses across the whole of Indonesia.

See the profiles of Mekar’s lending partners : 
1. Koperasi Simpan Pinjam Sahabat Mitra Sejati
2. Koperasi Simpan Pinjam Melania Credit Union
3. Koperasi Simpan Pinjam dan Pembiayaan Syariah Artha Bahana
4. Koperasi Simpan Pinjam KUD Mintorogo
5. Koperasi Simpan Pinjam Graha Mandiri
6. Koperasi Simpan Pinjam Artha Mitra Abadi Jaya
7. Koperasi Simpan Pinjam Dwi Tunggal
8. Koperasi Simpan Pinjam Mekarsari
9. Koperasi Simpan Pinjam Pangestu
10. Koperasi Syariah BMT ItQan
11. Koperasi Karya Usaha Mandiri Syariah
12. Koperasi Mitra Dhuafa
13. Koperasi Abdi Kerta Raharja
14. Koperasi Simpan Pinjam Tanaoba Lais Manekat

 

When you select a loan that you want to fund, you are actually buying the loan. This is the same as buying a product in an e-commerce website. The price you pay for the loan that you buy is deducted from your Mekar Account and transferred to the Borrower within 24 hours.

A Lending Partner’s risk level is a ranking that Mekar gives to our Lending Partners. The risk levels range from “Very Low” to “Very High” and they reflect the risk of institutional default associated with each of Mekar’s Lending Partner. This rating system is designed to help our lenders quickly identify which loans to consider for their portfolios.

To assess a Lending Partner’s risk level, Mekar performs due diligence on the Lending Partner before working with them, and regularly thereafter. Our due diligence and monitoring process includes, but not limited to:

  • A careful analysis of past and current financial performance as measured by its NPL (Non-Performing Loans) ratio, CAR (Capital Adequacy Ratio) and loan loss provision coverage ratio, as well as its profit and loss statement.
  • A review of market or business growth, including membership growth and operational expansion.
  • An assessment on the implementation of good corporate governance within the institution.

Risk Level

Very Low

A partner with this risk rating demonstrates an outstanding financial performance, as shown by:

  • A very low NPL ratio (less than 0.5%);
  • A very healthy CAR (at more than 20%); and 
  • A very high loan loss provision coverage ratio (more than 150%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A very large membership of more than 100,000 members; and
  • An outstanding loan portfolio of more than IDR 100 billion with at least 80% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a very strong commitment to good corporate governance. 

As such, partners with this rating are the most unlikely to go into institutional default.

Low

A partner with this risk rating demonstrates a very good financial performance, as shown by:

  • A low NPL ratio (less than 1%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 120%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A large membership of more than 10,000 members; and
  • An outstanding loan portfolio of more than IDR 50 billion with at least 70% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a strong commitment to good corporate governance.

Medium

A partner with this risk rating demonstrates a good financial performance, as shown by:

  • A low NPL ratio (between 1% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 100%). 

A partner with this risk rating also shows a strong business growth, as indicated by:

  • A large membership of more than 5,000 members; and
  • An outstanding loan portfolio of more than IDR 10 billion with at least 40% of the loans are provided through a group lending methodology.

A partner receiving this risk rating practices good corporate governance.

High

A partner with this risk rating demonstrates a fair financial performance, as shown by:

  • A low NPL ratio (between 2% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

Partners with this risk rating also show a less aggressive business growth, as indicated by:

  • A moderately-sized membership of more than 3,000 members; and
  • An outstanding loan portfolio of more than IDR 5 billion with at least 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance.

Very High

A partner with this risk rating demonstrates a poor financial performance, as shown by:

  • A quite low NPL ratio (between 3% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

A partner with this risk rating does not show aggressive business growth, as indicated by:

  • A small membership of less than 3,000 individuals; and
  • An outstanding loan portfolio of less than IDR 5 billion with less than 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance. As such, partners with this rating have a relatively higher risk of institutional default.

Mekar's Lending Partner Risk Level

It’s easy to register your savings and loan cooperative (KSP) or regional bank (BPR) as a Lending Partner with Mekar. Simply send your contact details through email to support@mekar.id or fill in this short form. A representative from Mekar will reach out to you to schedule a meeting and discuss further about the partnership.

Learn About Partners

This all you have to know about funding on Mekar

A Lending Partner is a lending institution, like a credit cooperative (KSP) or a regional bank (BPR), that Mekar works with to find local small businesses and finance them. By collaborating with lending Partners Mekar can now enable you to finance businesses across the whole of Indonesia.

See the profiles of Mekar’s lending partners : 
1. Koperasi Simpan Pinjam Sahabat Mitra Sejati
2. Koperasi Simpan Pinjam Melania Credit Union
3. Koperasi Simpan Pinjam dan Pembiayaan Syariah Artha Bahana
4. Koperasi Simpan Pinjam KUD Mintorogo
5. Koperasi Simpan Pinjam Graha Mandiri
6. Koperasi Simpan Pinjam Artha Mitra Abadi Jaya
7. Koperasi Simpan Pinjam Dwi Tunggal
8. Koperasi Simpan Pinjam Mekarsari
9. Koperasi Simpan Pinjam Pangestu
10. Koperasi Syariah BMT ItQan
11. Koperasi Karya Usaha Mandiri Syariah
12. Koperasi Mitra Dhuafa
13. Koperasi Abdi Kerta Raharja
14. Koperasi Simpan Pinjam Tanaoba Lais Manekat

 

When you select a loan that you want to fund, you are actually buying the loan. This is the same as buying a product in an e-commerce website. The price you pay for the loan that you buy is deducted from your Mekar Account and transferred to the Borrower within 24 hours.

A Lending Partner’s risk level is a ranking that Mekar gives to our Lending Partners. The risk levels range from “Very Low” to “Very High” and they reflect the risk of institutional default associated with each of Mekar’s Lending Partner. This rating system is designed to help our lenders quickly identify which loans to consider for their portfolios.

To assess a Lending Partner’s risk level, Mekar performs due diligence on the Lending Partner before working with them, and regularly thereafter. Our due diligence and monitoring process includes, but not limited to:

  • A careful analysis of past and current financial performance as measured by its NPL (Non-Performing Loans) ratio, CAR (Capital Adequacy Ratio) and loan loss provision coverage ratio, as well as its profit and loss statement.
  • A review of market or business growth, including membership growth and operational expansion.
  • An assessment on the implementation of good corporate governance within the institution.

Risk Level

Very Low

A partner with this risk rating demonstrates an outstanding financial performance, as shown by:

  • A very low NPL ratio (less than 0.5%);
  • A very healthy CAR (at more than 20%); and 
  • A very high loan loss provision coverage ratio (more than 150%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A very large membership of more than 100,000 members; and
  • An outstanding loan portfolio of more than IDR 100 billion with at least 80% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a very strong commitment to good corporate governance. 

As such, partners with this rating are the most unlikely to go into institutional default.

Low

A partner with this risk rating demonstrates a very good financial performance, as shown by:

  • A low NPL ratio (less than 1%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 120%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A large membership of more than 10,000 members; and
  • An outstanding loan portfolio of more than IDR 50 billion with at least 70% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a strong commitment to good corporate governance.

Medium

A partner with this risk rating demonstrates a good financial performance, as shown by:

  • A low NPL ratio (between 1% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 100%). 

A partner with this risk rating also shows a strong business growth, as indicated by:

  • A large membership of more than 5,000 members; and
  • An outstanding loan portfolio of more than IDR 10 billion with at least 40% of the loans are provided through a group lending methodology.

A partner receiving this risk rating practices good corporate governance.

High

A partner with this risk rating demonstrates a fair financial performance, as shown by:

  • A low NPL ratio (between 2% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

Partners with this risk rating also show a less aggressive business growth, as indicated by:

  • A moderately-sized membership of more than 3,000 members; and
  • An outstanding loan portfolio of more than IDR 5 billion with at least 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance.

Very High

A partner with this risk rating demonstrates a poor financial performance, as shown by:

  • A quite low NPL ratio (between 3% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

A partner with this risk rating does not show aggressive business growth, as indicated by:

  • A small membership of less than 3,000 individuals; and
  • An outstanding loan portfolio of less than IDR 5 billion with less than 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance. As such, partners with this rating have a relatively higher risk of institutional default.

Mekar's Lending Partner Risk Level

It’s easy to register your savings and loan cooperative (KSP) or regional bank (BPR) as a Lending Partner with Mekar. Simply send your contact details through email to support@mekar.id or fill in this short form. A representative from Mekar will reach out to you to schedule a meeting and discuss further about the partnership.

Learn About Partners

This all you have to know about funding on Mekar

A Lending Partner is a lending institution, like a credit cooperative (KSP) or a regional bank (BPR), that Mekar works with to find local small businesses and finance them. By collaborating with lending Partners Mekar can now enable you to finance businesses across the whole of Indonesia.

See the profiles of Mekar’s lending partners : 
1. Koperasi Simpan Pinjam Sahabat Mitra Sejati
2. Koperasi Simpan Pinjam Melania Credit Union
3. Koperasi Simpan Pinjam dan Pembiayaan Syariah Artha Bahana
4. Koperasi Simpan Pinjam KUD Mintorogo
5. Koperasi Simpan Pinjam Graha Mandiri
6. Koperasi Simpan Pinjam Artha Mitra Abadi Jaya
7. Koperasi Simpan Pinjam Dwi Tunggal
8. Koperasi Simpan Pinjam Mekarsari
9. Koperasi Simpan Pinjam Pangestu
10. Koperasi Syariah BMT ItQan
11. Koperasi Karya Usaha Mandiri Syariah
12. Koperasi Mitra Dhuafa
13. Koperasi Abdi Kerta Raharja
14. Koperasi Simpan Pinjam Tanaoba Lais Manekat

 

When you select a loan that you want to fund, you are actually buying the loan. This is the same as buying a product in an e-commerce website. The price you pay for the loan that you buy is deducted from your Mekar Account and transferred to the Borrower within 24 hours.

A Lending Partner’s risk level is a ranking that Mekar gives to our Lending Partners. The risk levels range from “Very Low” to “Very High” and they reflect the risk of institutional default associated with each of Mekar’s Lending Partner. This rating system is designed to help our lenders quickly identify which loans to consider for their portfolios.

To assess a Lending Partner’s risk level, Mekar performs due diligence on the Lending Partner before working with them, and regularly thereafter. Our due diligence and monitoring process includes, but not limited to:

  • A careful analysis of past and current financial performance as measured by its NPL (Non-Performing Loans) ratio, CAR (Capital Adequacy Ratio) and loan loss provision coverage ratio, as well as its profit and loss statement.
  • A review of market or business growth, including membership growth and operational expansion.
  • An assessment on the implementation of good corporate governance within the institution.

Risk Level

Very Low

A partner with this risk rating demonstrates an outstanding financial performance, as shown by:

  • A very low NPL ratio (less than 0.5%);
  • A very healthy CAR (at more than 20%); and 
  • A very high loan loss provision coverage ratio (more than 150%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A very large membership of more than 100,000 members; and
  • An outstanding loan portfolio of more than IDR 100 billion with at least 80% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a very strong commitment to good corporate governance. 

As such, partners with this rating are the most unlikely to go into institutional default.

Low

A partner with this risk rating demonstrates a very good financial performance, as shown by:

  • A low NPL ratio (less than 1%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 120%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A large membership of more than 10,000 members; and
  • An outstanding loan portfolio of more than IDR 50 billion with at least 70% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a strong commitment to good corporate governance.

Medium

A partner with this risk rating demonstrates a good financial performance, as shown by:

  • A low NPL ratio (between 1% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 100%). 

A partner with this risk rating also shows a strong business growth, as indicated by:

  • A large membership of more than 5,000 members; and
  • An outstanding loan portfolio of more than IDR 10 billion with at least 40% of the loans are provided through a group lending methodology.

A partner receiving this risk rating practices good corporate governance.

High

A partner with this risk rating demonstrates a fair financial performance, as shown by:

  • A low NPL ratio (between 2% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

Partners with this risk rating also show a less aggressive business growth, as indicated by:

  • A moderately-sized membership of more than 3,000 members; and
  • An outstanding loan portfolio of more than IDR 5 billion with at least 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance.

Very High

A partner with this risk rating demonstrates a poor financial performance, as shown by:

  • A quite low NPL ratio (between 3% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

A partner with this risk rating does not show aggressive business growth, as indicated by:

  • A small membership of less than 3,000 individuals; and
  • An outstanding loan portfolio of less than IDR 5 billion with less than 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance. As such, partners with this rating have a relatively higher risk of institutional default.

Mekar's Lending Partner Risk Level

It’s easy to register your savings and loan cooperative (KSP) or regional bank (BPR) as a Lending Partner with Mekar. Simply send your contact details through email to support@mekar.id or fill in this short form. A representative from Mekar will reach out to you to schedule a meeting and discuss further about the partnership.

Learn About Partners

This all you have to know about funding on Mekar

A Lending Partner is a lending institution, like a credit cooperative (KSP) or a regional bank (BPR), that Mekar works with to find local small businesses and finance them. By collaborating with lending Partners Mekar can now enable you to finance businesses across the whole of Indonesia.

See the profiles of Mekar’s lending partners : 
1. Koperasi Simpan Pinjam Sahabat Mitra Sejati
2. Koperasi Simpan Pinjam Melania Credit Union
3. Koperasi Simpan Pinjam dan Pembiayaan Syariah Artha Bahana
4. Koperasi Simpan Pinjam KUD Mintorogo
5. Koperasi Simpan Pinjam Graha Mandiri
6. Koperasi Simpan Pinjam Artha Mitra Abadi Jaya
7. Koperasi Simpan Pinjam Dwi Tunggal
8. Koperasi Simpan Pinjam Mekarsari
9. Koperasi Simpan Pinjam Pangestu
10. Koperasi Syariah BMT ItQan
11. Koperasi Karya Usaha Mandiri Syariah
12. Koperasi Mitra Dhuafa
13. Koperasi Abdi Kerta Raharja
14. Koperasi Simpan Pinjam Tanaoba Lais Manekat

 

When you select a loan that you want to fund, you are actually buying the loan. This is the same as buying a product in an e-commerce website. The price you pay for the loan that you buy is deducted from your Mekar Account and transferred to the Borrower within 24 hours.

A Lending Partner’s risk level is a ranking that Mekar gives to our Lending Partners. The risk levels range from “Very Low” to “Very High” and they reflect the risk of institutional default associated with each of Mekar’s Lending Partner. This rating system is designed to help our lenders quickly identify which loans to consider for their portfolios.

To assess a Lending Partner’s risk level, Mekar performs due diligence on the Lending Partner before working with them, and regularly thereafter. Our due diligence and monitoring process includes, but not limited to:

  • A careful analysis of past and current financial performance as measured by its NPL (Non-Performing Loans) ratio, CAR (Capital Adequacy Ratio) and loan loss provision coverage ratio, as well as its profit and loss statement.
  • A review of market or business growth, including membership growth and operational expansion.
  • An assessment on the implementation of good corporate governance within the institution.

Risk Level

Very Low

A partner with this risk rating demonstrates an outstanding financial performance, as shown by:

  • A very low NPL ratio (less than 0.5%);
  • A very healthy CAR (at more than 20%); and 
  • A very high loan loss provision coverage ratio (more than 150%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A very large membership of more than 100,000 members; and
  • An outstanding loan portfolio of more than IDR 100 billion with at least 80% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a very strong commitment to good corporate governance. 

As such, partners with this rating are the most unlikely to go into institutional default.

Low

A partner with this risk rating demonstrates a very good financial performance, as shown by:

  • A low NPL ratio (less than 1%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 120%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A large membership of more than 10,000 members; and
  • An outstanding loan portfolio of more than IDR 50 billion with at least 70% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a strong commitment to good corporate governance.

Medium

A partner with this risk rating demonstrates a good financial performance, as shown by:

  • A low NPL ratio (between 1% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 100%). 

A partner with this risk rating also shows a strong business growth, as indicated by:

  • A large membership of more than 5,000 members; and
  • An outstanding loan portfolio of more than IDR 10 billion with at least 40% of the loans are provided through a group lending methodology.

A partner receiving this risk rating practices good corporate governance.

High

A partner with this risk rating demonstrates a fair financial performance, as shown by:

  • A low NPL ratio (between 2% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

Partners with this risk rating also show a less aggressive business growth, as indicated by:

  • A moderately-sized membership of more than 3,000 members; and
  • An outstanding loan portfolio of more than IDR 5 billion with at least 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance.

Very High

A partner with this risk rating demonstrates a poor financial performance, as shown by:

  • A quite low NPL ratio (between 3% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

A partner with this risk rating does not show aggressive business growth, as indicated by:

  • A small membership of less than 3,000 individuals; and
  • An outstanding loan portfolio of less than IDR 5 billion with less than 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance. As such, partners with this rating have a relatively higher risk of institutional default.

Mekar's Lending Partner Risk Level

It’s easy to register your savings and loan cooperative (KSP) or regional bank (BPR) as a Lending Partner with Mekar. Simply send your contact details through email to support@mekar.id or fill in this short form. A representative from Mekar will reach out to you to schedule a meeting and discuss further about the partnership.

Learn About Partners

This all you have to know about funding on Mekar

A Lending Partner is a lending institution, like a credit cooperative (KSP) or a regional bank (BPR), that Mekar works with to find local small businesses and finance them. By collaborating with lending Partners Mekar can now enable you to finance businesses across the whole of Indonesia.

See the profiles of Mekar’s lending partners : 
1. Koperasi Simpan Pinjam Sahabat Mitra Sejati
2. Koperasi Simpan Pinjam Melania Credit Union
3. Koperasi Simpan Pinjam dan Pembiayaan Syariah Artha Bahana
4. Koperasi Simpan Pinjam KUD Mintorogo
5. Koperasi Simpan Pinjam Graha Mandiri
6. Koperasi Simpan Pinjam Artha Mitra Abadi Jaya
7. Koperasi Simpan Pinjam Dwi Tunggal
8. Koperasi Simpan Pinjam Mekarsari
9. Koperasi Simpan Pinjam Pangestu
10. Koperasi Syariah BMT ItQan
11. Koperasi Karya Usaha Mandiri Syariah
12. Koperasi Mitra Dhuafa
13. Koperasi Abdi Kerta Raharja
14. Koperasi Simpan Pinjam Tanaoba Lais Manekat

 

When you select a loan that you want to fund, you are actually buying the loan. This is the same as buying a product in an e-commerce website. The price you pay for the loan that you buy is deducted from your Mekar Account and transferred to the Borrower within 24 hours.

A Lending Partner’s risk level is a ranking that Mekar gives to our Lending Partners. The risk levels range from “Very Low” to “Very High” and they reflect the risk of institutional default associated with each of Mekar’s Lending Partner. This rating system is designed to help our lenders quickly identify which loans to consider for their portfolios.

To assess a Lending Partner’s risk level, Mekar performs due diligence on the Lending Partner before working with them, and regularly thereafter. Our due diligence and monitoring process includes, but not limited to:

  • A careful analysis of past and current financial performance as measured by its NPL (Non-Performing Loans) ratio, CAR (Capital Adequacy Ratio) and loan loss provision coverage ratio, as well as its profit and loss statement.
  • A review of market or business growth, including membership growth and operational expansion.
  • An assessment on the implementation of good corporate governance within the institution.

Risk Level

Very Low

A partner with this risk rating demonstrates an outstanding financial performance, as shown by:

  • A very low NPL ratio (less than 0.5%);
  • A very healthy CAR (at more than 20%); and 
  • A very high loan loss provision coverage ratio (more than 150%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A very large membership of more than 100,000 members; and
  • An outstanding loan portfolio of more than IDR 100 billion with at least 80% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a very strong commitment to good corporate governance. 

As such, partners with this rating are the most unlikely to go into institutional default.

Low

A partner with this risk rating demonstrates a very good financial performance, as shown by:

  • A low NPL ratio (less than 1%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 120%). 

A partner with this risk rating also shows an exceptional business growth, as indicated by:

  • A large membership of more than 10,000 members; and
  • An outstanding loan portfolio of more than IDR 50 billion with at least 70% of the loans are provided through a group lending methodology.

A partner receiving this risk rating also shows a strong commitment to good corporate governance.

Medium

A partner with this risk rating demonstrates a good financial performance, as shown by:

  • A low NPL ratio (between 1% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A high loan loss provision coverage ratio (more than 100%). 

A partner with this risk rating also shows a strong business growth, as indicated by:

  • A large membership of more than 5,000 members; and
  • An outstanding loan portfolio of more than IDR 10 billion with at least 40% of the loans are provided through a group lending methodology.

A partner receiving this risk rating practices good corporate governance.

High

A partner with this risk rating demonstrates a fair financial performance, as shown by:

  • A low NPL ratio (between 2% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

Partners with this risk rating also show a less aggressive business growth, as indicated by:

  • A moderately-sized membership of more than 3,000 members; and
  • An outstanding loan portfolio of more than IDR 5 billion with at least 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance.

Very High

A partner with this risk rating demonstrates a poor financial performance, as shown by:

  • A quite low NPL ratio (between 3% and 4%);
  • A healthy CAR (at more than 20%); and 
  • A lower loan loss provision coverage ratio (more than 81%). 

A partner with this risk rating does not show aggressive business growth, as indicated by:

  • A small membership of less than 3,000 individuals; and
  • An outstanding loan portfolio of less than IDR 5 billion with less than 20% of the loans are provided through a group lending methodology.

A partner receiving this risk rating does not consistently practice good corporate governance. As such, partners with this rating have a relatively higher risk of institutional default.

Mekar's Lending Partner Risk Level

It’s easy to register your savings and loan cooperative (KSP) or regional bank (BPR) as a Lending Partner with Mekar. Simply send your contact details through email to support@mekar.id or fill in this short form. A representative from Mekar will reach out to you to schedule a meeting and discuss further about the partnership.
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Yearly Feedback Report

Based on Financial Services Authority (OJK) Regulation No. 18 /POJK.07/2018 & SE OJK No. 17 /SEOJK.07/2018 Concerning Consumer Complaint Services in the Financial Services Sector, PT. Mekar Investama Teknologi has handled consumer complaints, here’s the report:
Handling Period:
No. Types of Financial Transactions Completed In Progress Not Completed Total Complaints
Total Percentage Total Percentage Total Percentage
1 Information Technology Based Joint Funding Services 3010 100% 0 0% 0 0% 3010
Total 3010 100% 0 0% 0 0% 3010
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.
  10. 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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