Mekar - PT Mekar Investama Sampoerna- Investasi Peer to Peer Aman, Mudah & Memberi Keuntungan Lebih
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Mekar Help Center

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    GENERAL INFO

    • What'S In It For Me?

    LEARN ABOUT INVESTING

    • Investing
      • Getting Started
      • Transferring Funds
      • Earnings And Fees
      • Tax
    • Keeping Your Money Safe
    • Investment Periods
    • Referral Program

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    • About Loans & Lending Partners

    LEARN ABOUT MEKAR

    • About Mekar
How much can I earn investing through Mekar?

You can earn between 7% to 12.5% per year in Indonesian Rupiah. Let’s explain that ... All loans for small businesses on Mekar’s platform offer you a base or nominal interest rate of 7 to 12.5% per annum. This means that if you lend 100, you will receive monthly repayments, totalling 107 to 112,5 within one year. 

However, Mekar has now made it possible to automatically reinvest the monthly repayments in new loans for a shorter period. You are now not sitting on idle money, your idle money is being put to work. Your earnings can therefore go up to 12.5% per year, depending on for how long you lock up your investment. You can invest for a period of 12, 18 or 24 months. You then get your money back at the end of the period.

How much can foreign investors earn?
If you do not have an Indonesian bank account you still earn the same high returns as an Indonesian funder, but there are extra costs involved. So in USD, EUR, AUD or other currencies, you will earn about half that of an Indonesian funder.
How much do the borrowers pay?
Borrowers pay our lending partners about 23% per year. 13% goes to the Lending partner for their work and guarantee. 2% to Mekar and about 8% to the funders. If you lend for a longer period of time, you will earn more, but the borrower still pays the same amount.
 
This lending rate may seem high, but the borrowers that we lend to have no collateral and cannot get a regular loan from a bank. In Indonesia a borrower without collateral will usually pay about 40% or more if they want to get an uncollateralized loan from a bank. Their other alternative is to borrow from a loan shark that would charge them about 80% to 300% per year. Our borrowers are therefore happy that they can get a relatively cheap loan via Mekar.
Is the interest rate fixed or variable?
The interest on your loan is fixed. It will not change with changes in the state interest rate that are announced by the Indonesian Central Bank.
Is the interest rate per year flat or effective or APR?

We quote ‘flat’ rates. Which means that 8% is 8 on a loan of 100 in one year. The effective interest rate or APR is then roughly 14%.
We prefer to communicate the flat rate because it is what you get; 100 at 8% = 108 at the end of the year. Other lenders like to offer the effective rate because it seems you may get more.

How does Mekar calculate my interest?

The interest or yield calculation is :

= (Loan Amount x (Maturity date - Sold Date) x 10 %) : 360 Days

 

Illustration :

- Loan Amount  : Rp. 5.000.000

- Sold date          : Friday, 7 July 2017

- Maturity Date  : 30 December 2017

- Rate                 : 10 %

 

You Earn = (Rp. 5.000.000 x (30 Dec 17 - 7 July 17) x 10 %) : 360 Days

                 = 244.444

 

Please note that every loan in MEKAR will start accruing interest only after it is fully funded. The date when a loan is fully funded is recorded in our system as the loan’s Sold Date.

How do I withdraw money from my Mekar Account to my own bank account?
In the dashboard. go to the menu “Account” and “Withdrawals”.
Still have questions?

For a quick respons, reach out to us and we'll be in youch soon.

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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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