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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
How can I participate in the referral program?

Every Lender who has a verified account will get 1 (one) unique referral code. To participate in the referral program, Lender must share his/her referral code to those who have not registered themselves as a Lender in MEKAR.
 

Where can I find my referral code?
You can find your referral code on your Lender Dashboard.
What is Referral Bonus and how much does it worth?
Referral Bonus is a bonus awarded to a new Lender who register in MEKAR using a referral code from an existing Lender. 
Referral Bonus also refers to a bonus received by the Lender whose referral code was used by a new Lender to register in MEKAR during the referral program period.
MEKAR will give a Rp 50,000 Referral Bonus each for the Lender who owns the referral code and for his/her referral.
 
Where can I find my Referral Bonus?
The total amount of Referral Bonus that you have received can be found on your personal Lender Dashboard.
Does my Referral Bonus have an expiry date?
Yes. Your Referral Bonus has an expiry date and will become invalid if it is not used within its fixed period.
The Referral Bonus gained by the new Lender must be used within 30 days after the bonus is granted.
The Referral Bonus received by the existing Lender, whose referral code is used by the new Lender, will expire in 30 days after the bonus is granted.
What are the terms and conditions of Referral Bonus?

The would-be Lender who wants to get a Referral Bonus must:
1. Register as a Lender in MEKAR using a referral code. The registration must be completed by December 31, 2019.
2. Have a verified Lender account.


For an existing Lender who has a referral code and wants to get a Referral Bonus, he/she must:
1. Have his/her referral code used by a new Lender (referral) upon the registration.
2. The referral must fund a loan through MEKAR at least once before Dec 31, 2019. 

How do I use Referral Bonus?

Referral Bonus can only be used as a discount/deduction when financing a loan through Mekar.id portal and is non-redeemable. The discount from Referral Bonus will be automatically applied when you are confirming a loan financing and will immediately deduct the amount of payment that you should make.

As an example, if you have a Referral Bonus balance of IDR 2.000.000 and you want to fund loans totaling IDR 3.000.000, then your Referral Bonus balance will be automatically applied as a discount. Therefore, you will only need to pay IDR 1.000.000 to complete your funding transaction.

Still have questions?

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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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