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Terms & Conditions

PT Mekar Investama Sampoerna (the Company), or commonly known as MEKAR, is a legal entity established in the Republic of Indonesia. MEKAR is an Information Technology-Based Lending Service Provider (Peer-to-Peer Lending).


The Company provides services that connect lenders and borrowers and which allow an individual or institutional (organizations, businesses or other legal entities) lender to fund loans to another individual or business entity in need of funding. The Company makes no funding suggestion or recommendation related to the options on this site.


MEKAR is registered with and supervised by the Indonesian Financial Services Authority (OJK). MEKAR's registration with the OJK is confirmed in OJK's letter Ref. Number: S-237/NB.213/2018 dated March 20, 2018. MEKAR has also received a lending license from OJK with issuance of a decree Number KEP-127/D.05/2019 dated December 18, 2019. MEKAR's business activities are closely supervised by and regulated under OJK Regulation No.77/POJK.01/2016 on Information Technology-Based Lending Services to ensure MEKAR's legality and compliance with the laws and regulations in Indonesia.


The services and products of MEKAR are designed to comply with prevailing regulations. We have consulted with the OJK on our business operations and will constantly monitor the changes in regulations on peer to peer products in Indonesia. We will, from time to time, modify our products or business process to ensure compliance with the applicable rules.


The content and materials on this site are intended to provide information and should not be construed as an offer, solicitation, invitation, suggestion and recommendation for funding a loan. Platform and product may contain a link and/or reference to a third party's website or content. The Company is not liable for such third party's website or content.


A funding and/or loan placed in the account of Company and/or any other third party designated by the Company shall not be considered as savings held by the Company as set forth in Banking regulations in Indonesia.

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Contact Us

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.

© 2022 PT Mekar Investama Sampoerna. All Rights Reserved.

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