Mekar Funder Portal Peer-to-Peer Lending Marketplace
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Individual Lender

As an individual, you have the opportunity to extend loans and generate passive income. These loans can serve various purposes, including productivity and consumption. By investing in such loans, you stand to earn returns on your investment of up to 2% per month.

Requirements

Provide details regarding your personal or company information. Including your name, company name, city, office location, and funding objectives.

We require your Business License details, including its expiration date, as well as your Articles of Incorporation. For tax purposes, we need your Tax Identification Number (NPWP) and associated information. Additionally, we request information about your company's ownership structure, including the percentage of ownership for each party involved.

Firstly, Mekar offers you an interest rate which is higher than what you can earn in a bank’s savings account. In Indonesia you can earn 5%-6% on a 12 month time deposit account. With Mekar your annual earnings start at 7% and go up to 12.5%.

Institutional Lender

Participating as institutional lenders in Mekar offers benefits such as diversification, efficiency, and access to valuable data. By spreading investments across various borrowers and loan types, institutional lenders can potentially increase returns by up to 2% per month while reducing the risk that you might get on other platforms. This is because we conduct comprehensive risk mitigation on our system.

Requirements

Provide details regarding your personal or company information. Including your name, company name, city, office location, and funding objectives.

We require your Business License details, including its expiration date, as well as your Articles of Incorporation. For tax purposes, we need your Tax Identification Number (NPWP) and associated information. Additionally, we request information about your company's ownership structure, including the percentage of ownership for each party involved.

Firstly, Mekar offers you an interest rate which is higher than what you can earn in a bank’s savings account. In Indonesia you can earn 5%-6% on a 12 month time deposit account. With Mekar your annual earnings start at 7% and go up to 12.5%.

How It Works

Register :

Register your account at mekar.id

Individual :

As an individual, you have the opportunity to extend loans and generate passive income.

Institusional :

Participating as institutional lenders in Mekar offers benefits such as diversification, efficiency, and access to valuable data.

Choose Loan :

Our system will show you a loan list of Mekar partners.

Disbursement :

You can fund various loans that you have chosen according to your investment profile.

Pay :

Make payments according to the total loan you choose.

Our Cooperative Loans Offer The Following Benefits

  • Up to 10% yearly interest

  • TKB90: 96%

  • Comprehensive Risk Mitigation

  • Transparent Communication

  • 98% of the loan is designated for funding productive ventures

Funding Forecast

Funding Simulation

Funding Result

Total Repayment

-

Total Interest

-
12%

* Interest : 12%

Obtain your passive income with Cooperative Loans

START TODAY

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.

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