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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

    LEARN ABOUT PARTNERS

    • About Loans & Lending Partners

    LEARN ABOUT MEKAR

    • About Mekar
How much money can I lose and how can I reduce my risk?
All funders with Mekar have their initial investment 100% guaranteed. That won’t be lost. Regarding the earnings or interest on your investment, yes you can lose money. If you invest in one loan you have a 1% chance that you will lose all your interest earnings. However, if you invest in 100 Mekar loans, you have a higher chance of losing only 1% of your interest earnings. So you should spread your investments. 
 
We recommend 2 things to reduce your risk:
Tip 1. Never lend more than 10% of your savings;
Tip 2. Always invest in at least 3 loans or more, so that you minimize your losses if one loan does not work out well.
Tip 3: To diversify your risks, always invest in loans from different lending partners, as every lending partner has its own risk profile/rating. To learn about lending partner’s risk level, click here.
Is my loan guaranteed or insured?
Yes, every loan that you fund through Mekar is guaranteed by our Lending Partners. However, the guarantee only applies to the principal portion of the loan. Our partners do not guarantee the interest portion. 
 
Loans originated by a lending partner with “very low” or “low” risk rating are not insured. On the other hand, loans originated by a lending partner with “medium”, “high” or “very high” risk rating are insured. Mekar does not charge our funders an insurance premium. Credit insurance covers the repayment of 40% up to 80% of the loan principal.
 
So if the borrower fails to repay any part of the loan, then the Lending Partner will repay the amount you initially lent, and none or part of the interest portion, in 14 working days after the loan has matured. 
 
If the loan is insured, in the event that the lending partner fails to repay the loan principal and the loan has been in arrears for more than 90 days, the insurer of the loan (the credit insurance company) will repay 40% up to 80% of the loan principal.
 
Since January 2017, when we started this service all loans and interest has been fully repaid. There have been no arrears.
 
Mekar itself cannot guarantee the loans since the Financial Markets Authority (OJK) prohibits online lenders from guaranteeing the loans.
How does Mekar select its loans and lending partners?

Mekar works with Credit Cooperatives (Lending Partners) to help identify, lend and collect on loans. Mekar therefore puts a lot of effort into selecting the best Lending Partners and their loans through a strict audit and check before offering their loans to you. 
 
All of Mekar’s Lending Partners must:
have a solid loan book. Less than 1% of its loans are more than 90 days late in repaying, these are called non-performing loans (NPLs);
be large enough and focus on growing small businesses. It has have more than 1000 borrowers with productive or business loans;
have large financial reserves to buffer against unforeseen situations. Its ratio of financial reserves to loans outstanding must be over 20% (this is also known as the Capital Adequacy Ratio (CAR). It must of 20% and the ratio of PPAP (Provision for Earning Assets Losses) of at least 81%;
be profitable. It must have been profitable for the last 36 months;
be able to guarantee the funders of Mekar - Guarantee your loan principal (the loan amount).
 
And all borrowers:
- have never been late in repaying their loan
- only use the loan to grow their business or other productive purposes.

How does Mekar monitor loans that have been disbursed?

Mekar regularly monitors the performance of loans that have been disbursed.  There are two methods of monitoring:

  1. Monitoring of Lending Partners
    • Monthly analysis of each partner’s financial statement
    • Visits to each partner’s headquarters and branch office every two months.
    • Risk scoring
  2. Monitoring of Lending Partners’ debtors

Mekar regularly conducts visits to debtors or cooperative members who have received funding. We select the individuals using sampling. Mekar is partnering with a vendor (third party) to conduct these visits. Visits are carried out every month to prevent loan fraud.

What is a Successful Repayment Rate?

Mekar’s Successful Repayment Rate is the percentage of loans within Mekar’s portfolio that have not been late in payment for 90 days or more. Here is how we calculate our Successful Repayment Rate:

Successful Repayment Rate = 100% - NPL90

NPL 90 = Outstanding amount of non-performing loans (greater than 90 days in arrears) x 100%
        Total outstanding loan amoun

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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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