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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

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.

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

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.

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

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.

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

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.