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About Us

Mekar mission is to promote financial inclusion and empower small business owners and individuals to achieve their financial goals. We are committed to providing accessible and innovative financial products and services, leveraging technology to connect global liquidity providers to borrowers in Indonesia. Our focus on Partnership with the best Cooperative in Indonesian has helped us make a positive impact on the lives of our clients and the local community.

MEKAR aims to improve access to finance to micro, small and medium-sized businesses that have a positive economic and social impact in Indonesia. We do this by connecting lenders with businesses needing finance. In doing this, we partner closely with (non-bank) financial institutions with operations in many parts of Indonesia.

MEKAR has received a lending license from OJK with issuance of a decree Number KEP-127/D.05/2019 dated December 13, 2019. MEKAR business activities are closely supervised by and regulated under OJK Regulation No.10/POJK.05/2022 on Information Technology-Based Joint Funding Services to ensure MEKAR legality and compliance with the laws and regulations in Indonesia.

On January 11, 2024, PT Mekar Investama Sampoerna was acquired by Linkki Singapore Pte. Ltd. which led to the change of the company name to PT Mekar Investama Teknologi.

MEKAR uses technology to improve access to finance for small businesses in Indonesia. To achieve this mission, MEKAR engages wealthier Indonesians to finance the less wealthy entrepreneurial Indonesians.

As a small and efficient institution, MEKAR achieves national coverage by working with credit cooperatives, rural banks and financial institutions with a total of around 300 branches across the country. These institutions find, select and pre-fund the businesses. MEKAR selects the least risky borrowers for wealthier Indonesians to finance. This then frees up the capital of the institutions so that more businesses can be financed. mekar.id is the web platform that MEKAR uses for this service.

Meet Our Team

Meet Our Team of Experts Behind Mekar's Success

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Ahmad Fuad

Commissioners

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Pandu Aditya K.

CEO

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Mahwi Winarto

COO

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

COO

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.

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Ahmad Fuad

Commissioners

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Pandu Aditya K.

CEO

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Mahwi Winarto

COO

Our Shareholders

Linkki Singapore, Pte. Ltd

Linkki Singapore, Pte. Ltd is regulated under the laws of Singapore and is a subsidiary of Linkki Group Pte. Ltd., was esatablished by a group of active investors who focus on investment, sustainable business and providing positive social impact.

PT Sejahtera Mekar Investama

PT Sejahtera Mekar Investama is regulated under the laws of the Republic of Indonesia and operates as a holding company, with its activities including services provided by advisors and negotiators in planning corporate mergers and acquisitions.

Vision

Contributing to develop Indonesian society on financial inclusion and bring out great awareness for financial literacy.

Mission

To enhance financial access for MSME players, encourage job creation, and strengthen financial literacy within the community. We are also committed to empowering women by providing equal opportunities for growth and ensuring inclusivity in the economy, thereby creating a positive and sustainable impact for all segments of society.

Borrower's Stories

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

Since partnering with Mekar in 2024, my business finances have grown rapidly. The funding wasn’t just capital it enabled us to expand, increase productivity, open new branches, and the whole team felt the impact. With Mekar, we’re growing and moving forward with hope.

Lie Hendy Lianto

Pengusaha

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

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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