Mekar Funder Portal Peer-to-Peer Lending Marketplace
Mekar Funder Portal Peer-to-Peer Lending Marketplace
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Mekar.id app at Google Play Store is not an official app by mekar (PT Mekar Investama Teknologi). We never have any apps registered in Google Play Store and it is against our business conduct to ask for cash collateral for a loan.         Mekar.id app at Google Play Store is not an official app by mekar (PT Mekar Investama Teknologi). We never have any apps registered in Google Play Store and it is against our business conduct to ask for cash collateral for a loan.         Mekar.id app at Google Play Store is not an official app by mekar (PT Mekar Investama Teknologi). We never have any apps registered in Google Play Store and it is against our business conduct to ask for cash collateral for a loan.         Mekar.id app at Google Play Store is not an official app by mekar (PT Mekar Investama Teknologi). We never have any apps registered in Google Play Store and it is against our business conduct to ask for cash collateral for a loan.         Mekar.id app at Google Play Store is not an official app by mekar (PT Mekar Investama Teknologi). We never have any apps registered in Google Play Store and it is against our business conduct to ask for cash collateral for a loan.        

Revolutionizing
Financial Services in Indonesia

Mekar is a leading licensed peer to peer lending platform in Indonesia. Our innovative financial solutions connect borrowers with global liquidity providers, providing greater access to capital and financial freedom.

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Building an Award-winning company.

Mekar has won a number of international awards for its innovative approach to lending that impact lives.

KPMG

Top 10 Lending Platforms in Indonesia 2018

Daily Social

Top 10 most popular and most used P2P platform in Indonesia 2019

Asian Banker

Best Peer to Peer Platform in Indonesia 2019

Licensed & Supervised by :

Registered Member Of :

Certified by :

Our Benefits

Lender

  • Generate passive income

  • Return 0.5% - 2% flat per month

  • Easy and simple process

  • Comprehensive Credit Review

  • Responsive Customer Service

Fund Loan Learn More

Borrower

  • Simpler credit requirements

  • Hassle-free credit approval process

  • Interest rates starting from 1.5% flat / month

  • Loan tenure varies up to 60 months

  • Responsive Customer Service

Submit Loan Learn More

Our Partners

Institutional Funder

Advisor

Auditor

Credit Bureau

Institutional Funder

Our Strengths

Cooperative Loans

Competitive Interest Rates

Flexible Repayment Terms

Lending Partners

Koperasi Abdi Kerta Raharja

July 4, 2009

The only government-initiated cooperative in Indonesia, AKR seeks to break the cycle of poverty through micro financing.

Perumah...

20.453

Low

Koperasi Sila Mukti

April 20, 2004

Partnering with Sila Mukti, which caters to micro credit borrowers in several regions in Bali, is part of Mekar's efforts to broaden our reach.

Banjar ...

2.628

Medium

KSP Tanaoba Lais Manekat

Feb. 15, 2010

The Tanaoba Lais Manekat Savings and Loans Cooperative was established in 2011 in Kupang, East Nusa Tenggara, by a foundation of the same name.

JL. AHM...

54.455

Very Low

KSP Graha Mandiri

Nov. 28, 1994

Managed by professionals with extensive experience in the banking industry, Graha Mandiri has established a strong presence in Central Java's microcredit scene.

Jl. Pan...

29.792

Low

KSP Artha Mitra Abadi Jaya

Nov. 6, 2007

With a large loan portfolio, Artha MAJ is a strong player in Central Java’s microcredit industry.

Jl.Paja...

26.881

Medium

KSP Dwi Tunggal

Nov. 30, 2009

With 10 offices spread across six provinces, Dwi Tunggal offers business loans to low-income retirees.

Jl. Ins...

2.078

Low

KSP Pangestu

Nov. 27, 2000

With 39 branch offices spread across three provinces in Java, KSP Pangestu caters to micro-retailers, farmers, and fishermen in the region.

JL. PAN...

29.090

Low

KSP Sahabat Mitra Sejati

Sept. 13, 2003

We focus on the well being of indonesian. On 9 december 2008, our operation started and we wanted to improve the micro economy in Indonesia. 

Gedung ...

25.621

Low

KSP Kopdit Pelangi Kasih

June 6, 2006

A savings and loan cooperative that offers savings accounts and credit disbursement. Currently it has 4 branches all located in Bandung, Indonesia.

Jl. Dak...

2.981

Medium

KSP Setia Multi Sarana

Dec. 29, 1995

KPS Setia were created based on the foundation that it is inefficient and hard for small businesses to get financial support from the conventional financial institution.

Rukan S...

1.476

Low

KSP Artha Mulia

Sept. 11, 2006

Artha Mulia saving and loan cooperative are located at Jl. Jendral Sudirman, Semarang Barat, Semarang

Jl. Jen...

6.232

Medium

KSP Mitra Jasa

Jan. 20, 2010

KSP Mitra Jasa is a loan and saving cooperative based in Indramayu, West Java

Jl. Jen...

78.292

Low

Statistics

Update on July 27, 2024

117,842

Total Loans Funded

98%

Productive Loans

IDR 880 bilion

Total Funding (to date)

IDR 146 bilion

Loans Outstanding

678

Total Funders

109,544

Total Borrowers

78%

Women Borrowers

1% - 4% flat p.a

MEKAR fee

0.5% - 2% flat monthly

Interest Received by Lender

IDR 32.5 bilion

Loans Sold (years to date)

77% Located

Outside Jabodetabek

Meet Our Team

Meet Our Team of Experts Behind Mekar's Success

...

Ahmad Fuad

Commissioners

...

Pandu Aditya K.

CEO

...

Mahwi Winarto

Director

Ahmad Fuad

Commissioners

Ahmad started his career in the banking sector in 1983 when he joined the Indonesian Central Bank (Bank Indonesia). His previous roles include Director of Banking Investigation and Mediation at Bank Indonesia as well as senior leadership positions at PT Bank Rakyat Indonesia. In 2012, Ahmad joined the Sampoerna Financial Group.

Pandu Aditya K.

CEO

Pandu has experience since 2007 in the financial services industry. After more than 9 years of career in banking, Pandu entered the fintech industry in 2016. Pandu and the previous co-founder of Mekar has developed Mekar's business model that focuses on MSME growth through collaboration with the best cooperative partners throughout Indonesia. This model enables Mekar to reach the unbankable segment while maintaining optimal risk mitigation.

Mahwi Winarto

Director

Mahwi Winarto has pursued a dynamic career in banking and finance since 2003, holding key roles at leading institutions. His expertise in risk management, operations, and marketing has not only driven success in his previous roles but has also significantly fortified the foundation of MEKAR, propelling the company towards greater achievements.

...

Ahmad Fuad

Commissioners

...

Pandu Aditya K.

CEO

...

Mahwi Winarto

Director

Client Testimonials

Hear What Our Clients Have to Say About Us

Mekar offers wealthy Indonesians the opportunity to directly develop Indonesia.

Putera Sampoerna

Founder

I am funding loans via MEKAR so that I can help strengthen Indonesia's MSMEs.

Mulyadi Tjung

Lender

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 ju...

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

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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 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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