Mekar.id app in Google Play Store and/or App Store is NOT an official app by Mekar (PT Mekar Investama Teknologi). We do not have an app registered in Google Play Store or App Store. It is against our business conduct to ask for cash collateral for a loan.
Mekar.id app in Google Play Store and/or App Store is NOT an official app by Mekar (PT Mekar Investama Teknologi). We do not have an app registered in Google Play Store or App Store. It is against our business conduct to ask for cash collateral for a loan.

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.

Licensed & Supervised by

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 Loans

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

Global Wealth & Society Award

Best Peer to Peer Platform in Indonesia

2019

International Finance Award

The Most Innovative Fintech Lending Platform

2024

KPMG

Top 10 Lending Platforms in Indonesia

2020

Daily Social

Top 10 most popular and most used P2P platform in Indonesia

2021

Statistics

Update on April 27, 2025

IDR 1.1 trilion

Total Disbursement

IDR 155 bilion

Total Disbursement (years to date)

IDR 284 bilion

Total Outstanding

98,247

Total Borrower(s)

13,174

Total Active Borrower(s)

3,750

Total Borrower(s) (year to date)

681

Total Lender(s)

12

Total Active Lender(s)

4

Total Lender(s) (year to date)

Institutional Lending Experience

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Adisaputra

CEO Saison

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Calista Putri

CEO YukBeli

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Oriza Sativa

CEO AI Lur

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Viona

CEO AIventory

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Sava Alya Andini

CEO Kucing Kotor dan Hitam

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Song Hye Kyo

Actor of Full House

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Feby

CEO Pinky Girl

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Reyhan

CEO Wijaya Karya

Company logo

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Borrower's Stories

MEKAR provides an opportunity for KSP Sahabat Mitra Sejati to support the MSME sector through its platform. We are also pleased to contribute by reaching the unbankable communities who need additional funding to sustain their businesses.

Ir. Deddy Irja Pratama

Intitutional Lender

Mekar offers wealthy Indonesians the opportunity to directly develop Indonesia.

Putera Sampoerna

Founder

Trying

Sheila Lender

Lender

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Sava Alya Andini

Officer

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

Kotem

Officer

When I first started my small food business, I was selling meatballs and chicken noodles from a pushcart on the side of the street. Income was modest—just enough to get by. But after receiving financing from Mekar, through KSPPS Abdi Kerta Raharja, I was finally able to open my own food stall. With a better space and more visibility, more customers began to come. My monthly income has grown from 6 million to 15 million rupiah. For me, this support wasn’t just about money—it gave me hope and the motivation to keep moving forward. Thank you, Mekar, for helping small businesses like mine grow and thrive.

Yuli Hertati

Wirausaha

Partnering with Mekar in 2024 marked a turning point for us at RMS. The funding we received wasn’t just about capital it was the key that unlocked bigger opportunities. It allowed us to expand our operations, boost productivity, and reach more regions across Indonesia. But beyond numbers, the impact was deeply felt by our team. It improved not just how we work, but the lives of the people behind the business. With Mekar by our side, we're not just growing we're building a stronger, more sustainable future together.

Working Capital

Wirausaha

All I wanted was for my child to graduate and continue to vocational school. But I didn’t have enough money to redeem the diploma. At the same time, I was being chased by loan sharks from the factory. I was overwhelmed and completely lost. Then I met Mr. Komar, who help

Ade arifah

Karyawati pabrik

When I first started my business, I sold electronics on credit, going door-to-door on a bicycle. At that time, my monthly revenue was around 122222222. from Mekar through KSPPS AKR. I transitioned t running a grocery store opened my own kiosk, now earning 22 million rupiah permonth.

Feby Testing

Intitutional Lender ya

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Daffa

Officer

MEKAR is the best choice for lenders whose goal is not only to earn some interest on their money but also to help grow MSMEs and micro businesses. Also, in terms of safety, it is better than other Fintech startups out there.

Davis Ray

Lender

MEKAR has a good platform and all its features are easy to understand, hopefully MEKAR can continue to support the growth of Indonesian MSMEs. We must support MEKAR because this platform benefits everyone so we can take a step forward together.

Andreas Sihombing

Lender

It feels good to be able to help others while earning money.

Matheus Saniang Naga Siagian

Lender

I am funding loans through MEKAR not only because I get to help Indonesian small businesses grow but also because I get to enjoy good returns and security for my money.

Sucipto

Lender

Mekar gives us the opportunity to contribute directly to Indonesia's micro, small and medium enterprises. Through Mekar's P2P lending platform we can help the unbankables or those who are in need of funding grow their business.

Agung Noegroho

Lender

At first I was hesitant to start funding loans via MEKAR because at that time MEKAR was not yet registered with the Financial Services Authority (OJK), but now that MEKAR is registered with the OJK, I feel confident funding business loans through MEKAR.

Dian Kurniawan

Lender

I came to know MEKAR after reading about it in the Kontan tabloid. At first, I funded loans via MEKAR just for the fun of it, just giving it a try because MEKAR does offer a good return. But as it turns out, funding loans in MEKAR has given me many more benefits than just financial returns; it gives us a chance to support the growth of MSMEs all over Indonesia.

Ester Ratih Dwihapsari

Lender

At first I was hesitant to start funding business loans via MEKAR so I started with funding just one loan. The experience was superb so I decided to fund more loans. Thank you, MEKAR.

Tri Sutrisno

Lender

Funding loans through MEKAR makes me feel like I am playing a part in improving Indonesia's macro-economy. For lenders, it is important that the country's economy is healthy as it will drive consumption levels and foster great funding opportunities with good returns.

Herry Prakasa Hertanto

Lender

The repayments are on time and it makes me very happy to know that my money is helping Indonesian MSMEs that are finding a hard time getting a loan from the bank. During these first three months, the repayments have always been right on schedule.

David Tarihoran

Lender

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


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.

© 2025 Mekar - PT Mekar Investama Teknologi