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Mekar Help Center

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    GENERAL INFO

    • What'S In It For Me?

    LEARN ABOUT FUNDING A LOAN

    • Funding A Loan
      • Getting Started
      • Digital Signature
      • Transferring Funds
      • Earnings And Fees
      • Tax
    • Keeping Your Money Safe
    • Funding Periods
    • Referral Program

    LEARN ABOUT PARTNERS

    • About Loans & Lending Partners

    LEARN ABOUT MEKAR

    • About Mekar

    Mekar Funding Risk Disclosure Information

    • Faq
Why do I need to sign agreements in Mekar?

The Financial Services Authority (OJK) requires all lenders using P2P lending services in Indonesia to sign an agreement with the service provider and one with each of their borrowers. In Mekar’s loan agreements, your borrowers are represented by the lending partners that originated their loans, thus you are only required to sign one loan agreement with each lending partner, if you are funding any of their loans.

We use PrivyID, a third-party digital signature platform, to help you create your digital signature and sign documents online.

Does Mekar share my data with PrivyID?
As part of the digital signature creation and verification process, we are required to share some of your data that is relevant for those mentioned purposes with PrivyID. The data we are sharing with the digital signature platform PrivyID are lender’s name, email address, selfie image, and ID card (KTP). Mekar does not profit off our users by selling their data to a third party.
How do I digitally sign my agreements in Mekar?

To sign your agreements, simply log in to your Mekar account. A pop up window will appear on your screen prompting you to sign the Funding Agreement and/or Loan Agreements, if you haven’t already done so. Follow the instructions on your screen to sign the agreements. 

You can use this quick guide to learn the complete steps to digitally sign your agreements in Mekar. If you need further assistance, contact our Customer Support.
 

Where do I find my Funding Agreement with Mekar?
You can find the agreement between you and Mekar in your dashboard. To view the agreement, login to your Lender account, click your name at the top right corner of the page and select “Agreement” from the drop down menu.
Where do I find my Loan Agreements with my borrowers?
You can find the agreements between you and your borrowers (represented by the lending partners that originated their loans) in your dashboard. To view the agreements, login to your Lender account, click your name at the top right corner of the page and select “Agreement” from the drop down menu.
Still have questions?

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Sampoerna Strategic Square,
South Tower, 21st floor,
Jalan Jendral Sudirman Kav. 45-46,
Karet Semanggi, Kecamatan Setiabudi,
Jakarta Selatan 12930
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+6221 300 22735 (Call)
+62877 7739 9049 (Whatsapp)
Working hour Monday-Friday (09.00 - 17.00)

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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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