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    GENERAL INFO

    • What'S In It For Me?

    LEARN ABOUT FUNDING A LOAN

    • Funding A Loan
      • Getting Started
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    • About Mekar
How much can I earn by funding loans through Mekar?

You can earn between 5.00% flat (9% effective) to 12.5% flat (22.32% effective) 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 5.00% to 10% per annum. This means that if you lend 100, you will receive monthly repayments, totalling 107.18 to 110 within one year. 

However, Mekar has now made it possible to automatically use your monthly repayments to fund 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 months (Basic Compound Plan), 18 months (Standard Compound Plan) or 24 months (Advance Compound Plan). You then get your money back at the end of the period.

How much can foreign lenders earn?

If you do not have an Indonesian bank account you still earn the same high returns as an Indonesian lender, but there are extra costs involved. So in USD, EUR, AUD or other currencies, you will earn about half that of an Indonesian lender.

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, around 2% to Mekar and about 8% to the lenders. If you fund loans 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 whose loans you are funding have no collateral and cannot get a regular loan from a bank. In Indonesia a borrower without collateral will usually pay about 36% 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 charged to the borrowers 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 I'm earning 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 earnings?

The interest or yield calculation is:

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

 

Illustration:

- Loan Amount: IDR 5,000,000

- Sold date: Friday, 7 July 2020

- Maturity Date: 30 December 2020

- Rate: 10 %

 

You Earn = (IDR 5,000,000 x (30 Dec 20 - 7 July 20) x 10 %) : 360 Days

= IDR 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 select “Withdrawals”.
When do I receive my repayment?

Every lending partner has their own repayment schedule. Koperasi Abdi Kerta Raharja (AKR) schedules its repayment on the 8th of every month, while other lending partners with Mekar schedule their repayment on the 15th of every month.

Mekar usually processes the repayment to you on the same day. However, the process may take up to 3 (three) working days after the scheduled repayment date.

Still have questions?

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

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Sampoerna Strategic Square,
South Tower, 21st floor,
Jalan Jendral Sudirman Kav. 45-46,
Karet Semanggi, Kecamatan Setiabudi,
Jakarta Selatan 12930
+6221 300 22735 (Call)
+62819 5265 6411 (Whatsapp)

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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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