Mekar Funder Portal Peer-to-Peer Lending Marketplace
Menu

Help Center

We are here to assist you

Mekar Funding Risk Disclosure Information

This all you have to know about funding on Mekar

Funding risk is the potential for losses in funding made by lenders. Therefore, lenders are advised to consider potential risk aspects in making funding through Mekar's fintech lending platform. Funding made on the fintech lending platform is an agreement between the lender and the borrower that has been regulated in the agreement signed when making the funding, so that all risks arising from the agreement are fully borne by each party.
In an effort to mitigate funding risk, Mekar carries out a credit scoring and verification process, guides good borrowers, and partners with trusted insurance institutions, however, the risks to funding cannot be completely eliminated. The level of accuracy of Mekar's credit assessment cannot eliminate the risk of unexpected conditions such as serious illness, death, calamity, climate change, and natural disasters that may occur.
Therefore, if the borrower experiences late payments, defaults or defaults on the loan, Mekar will immediately notify the lender and try to make efforts to collect and deal with the borrower as our commitment to provide a fair settlement for all parties, especially lenders as lenders. .

Mekar as a fintech lending platform makes efforts to mitigate risks that can harm lenders. Mekar has a credit scoring system that is specially formulated for various types of borrowers (lenders) and MSMEs with the aim of assessing whether a borrower has good credit potential so as to minimize the possibility of delays or failure to pay.
After the borrower is deemed eligible to receive the loan and the funds have been distributed, Mekar conducts periodic monitoring of the borrower to find out the borrower's business conditions so that the risk of late payments and default can be minimized.

Mekar tries to identify from the start if there is a possibility of late payments or defaults through a periodic monitoring process, so that Mekar can take the best steps in an effort to safeguard borrower payments. Meanwhile, if the borrower experiences a delay in payment, Mekar will give a warning to the borrower to immediately pay off their loan in accordance with the previously agreed agreement. Alerts are given through the billing process by the Mekar Team.
Mekar can also take solutions through rescheduling or restructuring loans to borrowers. Along with this, Mekar will periodically provide up-to-date information regarding funding developments to lenders who have already funded the loan.
If funding is delayed for more than 90 days from the due date, the funding status will change to default.
In the process, Mekar will inform the lenders of late payments or defaults from the borrower and the countermeasures for this incident until the final outcome of the investigation so that lenders are aware of the progress of their portfolio.

Mekar Funding Risk Disclosure Information

This all you have to know about funding on Mekar

Funding risk is the potential for losses in funding made by lenders. Therefore, lenders are advised to consider potential risk aspects in making funding through Mekar's fintech lending platform. Funding made on the fintech lending platform is an agreement between the lender and the borrower that has been regulated in the agreement signed when making the funding, so that all risks arising from the agreement are fully borne by each party.
In an effort to mitigate funding risk, Mekar carries out a credit scoring and verification process, guides good borrowers, and partners with trusted insurance institutions, however, the risks to funding cannot be completely eliminated. The level of accuracy of Mekar's credit assessment cannot eliminate the risk of unexpected conditions such as serious illness, death, calamity, climate change, and natural disasters that may occur.
Therefore, if the borrower experiences late payments, defaults or defaults on the loan, Mekar will immediately notify the lender and try to make efforts to collect and deal with the borrower as our commitment to provide a fair settlement for all parties, especially lenders as lenders. .

Mekar as a fintech lending platform makes efforts to mitigate risks that can harm lenders. Mekar has a credit scoring system that is specially formulated for various types of borrowers (lenders) and MSMEs with the aim of assessing whether a borrower has good credit potential so as to minimize the possibility of delays or failure to pay.
After the borrower is deemed eligible to receive the loan and the funds have been distributed, Mekar conducts periodic monitoring of the borrower to find out the borrower's business conditions so that the risk of late payments and default can be minimized.

Mekar tries to identify from the start if there is a possibility of late payments or defaults through a periodic monitoring process, so that Mekar can take the best steps in an effort to safeguard borrower payments. Meanwhile, if the borrower experiences a delay in payment, Mekar will give a warning to the borrower to immediately pay off their loan in accordance with the previously agreed agreement. Alerts are given through the billing process by the Mekar Team.
Mekar can also take solutions through rescheduling or restructuring loans to borrowers. Along with this, Mekar will periodically provide up-to-date information regarding funding developments to lenders who have already funded the loan.
If funding is delayed for more than 90 days from the due date, the funding status will change to default.
In the process, Mekar will inform the lenders of late payments or defaults from the borrower and the countermeasures for this incident until the final outcome of the investigation so that lenders are aware of the progress of their portfolio.

Mekar Funding Risk Disclosure Information

This all you have to know about funding on Mekar

Funding risk is the potential for losses in funding made by lenders. Therefore, lenders are advised to consider potential risk aspects in making funding through Mekar's fintech lending platform. Funding made on the fintech lending platform is an agreement between the lender and the borrower that has been regulated in the agreement signed when making the funding, so that all risks arising from the agreement are fully borne by each party.
In an effort to mitigate funding risk, Mekar carries out a credit scoring and verification process, guides good borrowers, and partners with trusted insurance institutions, however, the risks to funding cannot be completely eliminated. The level of accuracy of Mekar's credit assessment cannot eliminate the risk of unexpected conditions such as serious illness, death, calamity, climate change, and natural disasters that may occur.
Therefore, if the borrower experiences late payments, defaults or defaults on the loan, Mekar will immediately notify the lender and try to make efforts to collect and deal with the borrower as our commitment to provide a fair settlement for all parties, especially lenders as lenders. .

Mekar as a fintech lending platform makes efforts to mitigate risks that can harm lenders. Mekar has a credit scoring system that is specially formulated for various types of borrowers (lenders) and MSMEs with the aim of assessing whether a borrower has good credit potential so as to minimize the possibility of delays or failure to pay.
After the borrower is deemed eligible to receive the loan and the funds have been distributed, Mekar conducts periodic monitoring of the borrower to find out the borrower's business conditions so that the risk of late payments and default can be minimized.

Mekar tries to identify from the start if there is a possibility of late payments or defaults through a periodic monitoring process, so that Mekar can take the best steps in an effort to safeguard borrower payments. Meanwhile, if the borrower experiences a delay in payment, Mekar will give a warning to the borrower to immediately pay off their loan in accordance with the previously agreed agreement. Alerts are given through the billing process by the Mekar Team.
Mekar can also take solutions through rescheduling or restructuring loans to borrowers. Along with this, Mekar will periodically provide up-to-date information regarding funding developments to lenders who have already funded the loan.
If funding is delayed for more than 90 days from the due date, the funding status will change to default.
In the process, Mekar will inform the lenders of late payments or defaults from the borrower and the countermeasures for this incident until the final outcome of the investigation so that lenders are aware of the progress of their portfolio.

Mekar Funding Risk Disclosure Information

This all you have to know about funding on Mekar

Funding risk is the potential for losses in funding made by lenders. Therefore, lenders are advised to consider potential risk aspects in making funding through Mekar's fintech lending platform. Funding made on the fintech lending platform is an agreement between the lender and the borrower that has been regulated in the agreement signed when making the funding, so that all risks arising from the agreement are fully borne by each party.
In an effort to mitigate funding risk, Mekar carries out a credit scoring and verification process, guides good borrowers, and partners with trusted insurance institutions, however, the risks to funding cannot be completely eliminated. The level of accuracy of Mekar's credit assessment cannot eliminate the risk of unexpected conditions such as serious illness, death, calamity, climate change, and natural disasters that may occur.
Therefore, if the borrower experiences late payments, defaults or defaults on the loan, Mekar will immediately notify the lender and try to make efforts to collect and deal with the borrower as our commitment to provide a fair settlement for all parties, especially lenders as lenders. .

Mekar as a fintech lending platform makes efforts to mitigate risks that can harm lenders. Mekar has a credit scoring system that is specially formulated for various types of borrowers (lenders) and MSMEs with the aim of assessing whether a borrower has good credit potential so as to minimize the possibility of delays or failure to pay.
After the borrower is deemed eligible to receive the loan and the funds have been distributed, Mekar conducts periodic monitoring of the borrower to find out the borrower's business conditions so that the risk of late payments and default can be minimized.

Mekar tries to identify from the start if there is a possibility of late payments or defaults through a periodic monitoring process, so that Mekar can take the best steps in an effort to safeguard borrower payments. Meanwhile, if the borrower experiences a delay in payment, Mekar will give a warning to the borrower to immediately pay off their loan in accordance with the previously agreed agreement. Alerts are given through the billing process by the Mekar Team.
Mekar can also take solutions through rescheduling or restructuring loans to borrowers. Along with this, Mekar will periodically provide up-to-date information regarding funding developments to lenders who have already funded the loan.
If funding is delayed for more than 90 days from the due date, the funding status will change to default.
In the process, Mekar will inform the lenders of late payments or defaults from the borrower and the countermeasures for this incident until the final outcome of the investigation so that lenders are aware of the progress of their portfolio.

Mekar Funding Risk Disclosure Information

This all you have to know about funding on Mekar

Funding risk is the potential for losses in funding made by lenders. Therefore, lenders are advised to consider potential risk aspects in making funding through Mekar's fintech lending platform. Funding made on the fintech lending platform is an agreement between the lender and the borrower that has been regulated in the agreement signed when making the funding, so that all risks arising from the agreement are fully borne by each party.
In an effort to mitigate funding risk, Mekar carries out a credit scoring and verification process, guides good borrowers, and partners with trusted insurance institutions, however, the risks to funding cannot be completely eliminated. The level of accuracy of Mekar's credit assessment cannot eliminate the risk of unexpected conditions such as serious illness, death, calamity, climate change, and natural disasters that may occur.
Therefore, if the borrower experiences late payments, defaults or defaults on the loan, Mekar will immediately notify the lender and try to make efforts to collect and deal with the borrower as our commitment to provide a fair settlement for all parties, especially lenders as lenders. .

Mekar as a fintech lending platform makes efforts to mitigate risks that can harm lenders. Mekar has a credit scoring system that is specially formulated for various types of borrowers (lenders) and MSMEs with the aim of assessing whether a borrower has good credit potential so as to minimize the possibility of delays or failure to pay.
After the borrower is deemed eligible to receive the loan and the funds have been distributed, Mekar conducts periodic monitoring of the borrower to find out the borrower's business conditions so that the risk of late payments and default can be minimized.

Mekar tries to identify from the start if there is a possibility of late payments or defaults through a periodic monitoring process, so that Mekar can take the best steps in an effort to safeguard borrower payments. Meanwhile, if the borrower experiences a delay in payment, Mekar will give a warning to the borrower to immediately pay off their loan in accordance with the previously agreed agreement. Alerts are given through the billing process by the Mekar Team.
Mekar can also take solutions through rescheduling or restructuring loans to borrowers. Along with this, Mekar will periodically provide up-to-date information regarding funding developments to lenders who have already funded the loan.
If funding is delayed for more than 90 days from the due date, the funding status will change to default.
In the process, Mekar will inform the lenders of late payments or defaults from the borrower and the countermeasures for this incident until the final outcome of the investigation so that lenders are aware of the progress of their portfolio.
Still have questions?

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

Yearly Feedback Report

Based on Financial Services Authority (OJK) Regulation No. 18 /POJK.07/2018 & SE OJK No. 17 /SEOJK.07/2018 Concerning Consumer Complaint Services in the Financial Services Sector, PT. Mekar Investama Teknologi has handled consumer complaints, here’s the report:
Handling Period:
No. Types of Financial Transactions Completed In Progress Not Completed Total Complaints
Total Percentage Total Percentage Total Percentage
1 Information Technology Based Joint Funding Services 3010 100% 0 0% 0 0% 3010
Total 3010 100% 0 0% 0 0% 3010
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 Number 10/POJK.05/2022 about Information Technologi-Based Joint Funding Services, 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.
  10. BE CAUTIOUS, THIS TRANSACTION INVOLVES HIGH RISK. YOU MAY EXPERIENCE LOSSES OR LOSE MONEY. DO NOT BORROW IF YOU DO NOT HAVE THE ABILITY TO REPAY. CONSIDER CAREFULLY BEFORE MAKING THE TRANSACTION.

© 2025 Mekar - PT Mekar Investama Teknologi