As a reminder, PT Mekar Investama Teknologi does not charge any fees or offer job opportunities through suspicious links. Official information is only available on www.mekar.id and Instagram @official_mekar.id.
As a reminder, PT Mekar Investama Teknologi does not charge any fees or offer job opportunities through suspicious links. Official information is only available on www.mekar.id and Instagram @official_mekar.id.

Purpose driven loans
Empowering Growth

At Mekar, we're revolutionizing the lending landscape. Our innovative financing solutions empower Indonesian small businesses to grow and thrive with purposeful capital that fosters meaningful impact.
Our Services

Licensed & Supervised by Otoritas Jasa Keuangan

Registered Member of

Certified by

What Sets Us Apart

At Mekar, we are committed to providing Indonesian small businesses with access to the financing they need to grow, while offering lenders high-quality, low-risk lending opportunities.

Productive Loan

From working capital loans to invoice financing, our solutions are tailored for growth-minded businesses that are ready to scale and succeed.

Quality Credit

We take the guesswork out of lending, so you can lend with confidence. Mekar’s robust credit risk frameworks ensure that we offer only low risk loans to our lenders.

Solid Ecosystem

Our streamlined loan management system minimizes risks and keeps default rates low, thus creating a reliable lending environment for borrowers and lenders.

Trusted Brand

Recognized as an innovative fintech lending, Mekar is dedicated to boosting Indonesia’s economy through impactful financial solutions.

Collaborative Networks

Mekar supports Indonesia's leading brands through trusted third-party partnerships in which we provide innovative financing solutions for their network.

Awards

Best Fintech Lending Platform in Indonesia

Best Fintech Lending Platform in Indonesia

2019

The Most Innovative Fintech Lending Platform

The Most Innovative Fintech Lending Platform

2024

KPMG

Top 10 Lending Platforms in Indonesia

2020

Daily Social

Top 10 Most Popular & Most Used Fintech Lending in Indonesia

2021

Statistics

Update on March 11, 2026

1.6 Trillion

Total Disbursement (since inception)

IDR 190 Billion

Total Outstanding

46.5 Billion

Total Disbursement (Month to Date)

116.9 Billion

Total Disbursement (years to date)

104,249

Total Borrower(s) (since inception)

8,360

Total Active Borrower(s)

68

Total Borrower(s) (month to date)

589

Total Borrower(s) (year to date)

687

Total Lender(s) (since inception)

12

Total Active Lender(s)

4

Total Lender(s) (month to date)

6

Total Lender(s) (year to date)

Borrower's Stories

I wanted my child to graduate, but I didn’t have money to pay the transcript. Then the Cooperative helped me through financing from Mekar. Everything changed: my debt was paid off, and the transcript was redeemed. Now I'm focused on repaying to Mekar. Thanks Mekar.

Ade Arifah

Karyawati Pabrik

I started selling meatballs and chicken noodles from a small cart. Income was just enough for daily needs. After Mekar's financing through the Cooperative, I opened a stall. Revenue rose from 6M to 15M. It’s more than money, it’s hope. Thanks, Mekar!

Yuli Hertati

Penjual Mie Ayam

Thanks to a Mekar loan through Cooperative, I could pay my child's private school re-enrollment, settle debts, and use the rest as business capital. I'm truly grateful to Mekar and the cooperative team for making things easier.

Suherawati

Karyawati Pabrik

I started selling goods on credit and distributing water gallons. After receiving financing from Mekar through the Cooperative, my business grew. I bought a water filtration machine, opened a depot, and became a gas distributor. Thank you, Mekar!

Siti Rahmah

Jualan Galon

I started by selling electronics on credit, door-to-door by bike, earning 10M/month. After getting Mekar financing through the Cooperative, I switched to a grocery store with my own kiosk. Now I earn 22M/month. Thanks, Mekar. Your support truly helped my business grow.

Aminah

Pengusaha Elektronik

Thank you very much for the loan that has greatly helped me. This loan means a lot to me as it allowed me to support my parents in their time of need. I hope this program continues and brings benefits to many others in need.

Wardiansah

Karyawan

Thank you for the support and collaboration in helping our members access financing. This program is very beneficial, especially in urgent situations. We hope this synergy continues and brings a positive impact to communities across Indonesia.

Febri

Pengurus Organisasi

I started selling vegetables and side dishes by motorcycle, earning 7M/month. Alhamdulillah, after receiving financing from Mekar through the Cooperative, my business grew. I opened a kiosk, expanded stock, and now earn 20M/month. Thank you, Mekar!

Aisah

Penjual Sayur

I am truly grateful for the opportunity and trust that allowed me to receive a loan. This support has provided a real solution to my current financial needs. I hope this program can continue to help and benefit many others.

Nayaminitia

Pekerja

I started selling groceries and snacks for kids with just a table, earning 3M/month. After receiving financing from Mekar through the Cooperative, my business grew. I expanded to fresh vegetables, got a better setup, and now earn 15M/month. Thank you, Mekar!

Marhana

Usaha Toko Kelontong

Our Partners

Institutional Funder

Institutional Funder

Advisor

Auditor

Credit Bureau

Digital Signature

Payment Gateway

Escrow Account

Institutional Funder

Institutional Funder

Advisor

Auditor

Credit Bureau

Digital Signature

Payment Gateway

Escrow Account

Mention In

01 November 2025
VOI
Mekar Present At The IFC International Forum 'Digital Financial Inclusion Conference 2025'
20 September 2025
jawapos.com
Gagas AgriYouth 2025, Langkah Mekar Dorong Pertanian Berkelanjutan di Sumatera Barat
25 July 2025
jakartaglobe.id
Sumatera Barat Luncurkan Program Jagung saat Prabowo Targetkan Hentikan Impor pada 2026
20 June 2025
Kontan.id
Mekar Perkuat Kolaborasi Mendorong UMKM Naik Kelas
31 January 2025
The Jakarta Post
Mekar Investama Technology innovates to empower employees
13 July 2024
Investor.id
Perluas Jangkauan, Mekar Investama Teknologi Gandeng Ciptadana Multifinance
05 July 2024
VOI
Mekar Investama Teknologi Perluas Penyaluran Pendanaan
05 July 2024
Kontan.id
Dorong Pembiayaan Berkualitas, Mekar Investama Gandeng Serikat Pekerja
16 December 2022
Kontan.id
Salurkan Pembiayaan Produktif, Akulaku Finance Gandeng Mekar Investama Sampoerna
11 August 2022
detik.com
Mekar.id Minta Masyarakat Waspadai Pencatutan Nama di Aplikasi Palsu
19 December 2019
Kontan.id
Mekar, Fintech Pinjaman P2P Besutan Putera Sampoerna, Resmi Kantongi Izin OJK
25 March 2018
Bisnis.com
Resmi Terdaftar di OJK, Mekar.id Segera Berekspansi
DISCLAIMERS:
  1. PT Mekar Investama Teknologi is a provider of Information Technology-Based Joint Funding Services (LPBBTI), operating under the electronic system “Mekar”, which connects Lenders and Borrowers on a single platform.
  2. Information Technology Based Lending Service is a civil agreement between the Lender and the Borrower. Therefore all risks incurred from the agreement shall be borne entirely by the respective parties.
  3. The credit risk or debt default shall be borne entirely by the Borrower. No government body or authority will take responsibility for this default risk.
  4. Mekar, under the consent of the respective users (the Lender and/or the Borrower), 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.
  5. The Lender with no knowledge and experience concerning funding is advised not to use this service.
  6. The Borrower must take into account the interest rate and other costs incurred corresponding to his/her ability in repayment of the funding.
  7. Every fraudulence will be recorded digitally in cyberspace and will be accessible to the general public through social media.
  8. The User must read and fully understand this information before deciding to become a Lender or Borrower.
  9. 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 Lender or the Borrower (whether it is intended or due to the User’s negligence) against the regulations, the agreement or the bond between the Organizer and the Lender and/or the Borrower.
  10. Every funding transaction and activity or the agreement implementation concerning funding between or those involving Mekar, the Lender and/or the Borrower must be carried out through an escrow account and a virtual account as regulated in the Financial Authority Services Regulation Number 40 of 2024 about Information Technology Based Joint Funding Services, and any violation and disobedience of the regulation shall be considered as evidence of a violation of law committed by Mekar. Therefore, Mekar 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.
  11. 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.

© 2026 Mekar - PT Mekar Investama Teknologi