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    • About Mekar
What is Mekar?
Mekar is an Indonesian fintech peer-to-peer lending company. Mekar makes it possible for people and organisations to finance small business borrowers throughout Indonesia via the Mekar website. We are able to service small businesses across Indonesia because we work together with the financially strongest credit cooperatives in Indonesia. Our aim is to improve access to finance for small businesses across Indonesia. Mekar is the trade name for the limited liability company PT Mekar Investama Sampoerna. Mekar means ‘blossom’ in Indonesian.
 
What is P2P lending?
Peer-to-peer (P2P) lending is the practice of lending money to individuals or businesses through an online platform such as Mekar that matches lenders with borrowers. P2P lending is the same as ‘crowdfunding’ or ‘marketplace lending'. It means that your money is being used to finance the loan that you have selected, person-to-person. P2P lending and crowdfunding also means that a ‘crowd’ of many lenders can finance one borrower.
Who is behind Mekar?
Mekar was founded by the Putera Sampoerna Foundation. Putera Sampoerna is one of Indonesia’s most respected businessmen. Since its establishment in November 2010 Mekar has been wholly funded by the Foundation. Mekar’s peer-to-peer lending platform is operated by the company PT Mekar Investama Sampoerna, which in turn is 100% owned by PT Sampoerna Wirausaha. Mekar is managed by Thierry Sanders and Pandu Kristy (strategy and operations), Purnama Sutedi (sales), Haikal Zulfikar (marketing), and Anwarul Haqi (technology).
 
What are Mekar’s strengths?
  1. Mekar is financially backed by the Sampoerna family, one of Indonesia’s most successful business families. 
  2. Mekar works with the best credit cooperatives in Indonesia. Our Lending Partners have large financial reserves and have the lowest non-performing loans (NPLs) rates in Indonesia. 
  3. 90% of Mekar’s loans are to micro-enterprises run by women. Repayments on these loans are more reliable. 
  4. This allows our Lending Partners to offer a guarantee to Mekar’s Lenders. 
  5. Mekar is the only peer-to-peer lending platform in Indonesia offering pre-funded or securitized loans. All loans on our platform have already received their loan, we check if the borrowers repayments are satisfactory, if so we offer the loans on Mekar.id.
  6. Mekar regularly monitors our Lending Partners and borrowers.
  7. Mekar only facilitates productive loans to businesses that need finance to expand their business. This helps create jobs. Mekar never provides consumer finance. 
  8. Mekar finances businesses all over Indonesia. This is made possible by its collaboration with Credit Cooperatives that have branches in all regions of Indonesia.
  9. Lenders in Mekar can enjoy extra protection with credit insurance (select loans only).
Why is Mekar necessary?
In Indonesia, banks provide finance to less than 20% of the businesses that need it. 80% are either served by friends, family and loan sharks. Mekar aims to make access to finance for growing businesses possible without the need of growing a large branch network. That is why Mekar works with carefully selected local financial institutions so that your funds go to where businesses need it most.
 
Is Mekar regulated by the Financial Services Authority (OJK)?
Yes. PT Mekar Investama Sampoerna (MEKAR) is a legal entity established under the jurisdiction of the Republic of Indonesia. MEKAR is an Information Technology-Based Lending Service Provider (Peer-to-Peer Lending) that has been registered and supervised by the Indonesian Financial Services Authority (OJK), as stipulated in the Registration Letter from OJK Number: S-237/NB.213/2018 dated March 20, 2018. MEKAR’s business activities are closely supervised 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 Indonesian.
 
How does Mekar make money?
Mekar charges the Lending Partner, not the Lender, for every loan sold. Mekar will generally charge between 1% and 3% of the funds disbursed to them.
 
What does Mekar mean?
Mekar means to blossom. The three colours in our logo symbolize the collaboration between three stakeholders namely lenders, agents and entrepreneurs. These “three hands” can be found in all Sampoerna Family company logos. The yellow in the logo represents Mekar’s staff and technology, which are the two things that unite it all. Together we blossom, Mekar bersama.
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Sampoerna Strategic Square South Tower,
18 Floor JI. Jendral Sudirman Kav.45-46
Jakarta, Indonesia 12930
Phone (62-21) 300 22735

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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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