This Privacy Policy applies to Personal Data information, which includes any data about an individual, whether identified and/or identifiable individually or combined with other information, either directly or indirectly through electronic and/or non-electronic systems and/or other data and/or information that can be defined as or considered personal data (“Personal Data”), as regulated under Financial Services Authority Regulation Number 40 of 2024 on Information Technology-Based Joint Funding Services (“POJK 40/2024”), Law No. 27 of 2022 on Personal Data Protection (“UU 27/2022”), and applicable laws, obtained in connection with the use of the Mekar Platform including the Platform, Portal, website, applications, and other services provided by Mekar ("Services").

This Privacy Policy applies to the use of the Mekar Platform, including websites, applications, dashboards, and other means or services provided or used by Mekar.

This Privacy Policy is prepared by taking into account the provisions of applicable laws and regulations, including provisions regarding Personal Data protection and the implementation of Information Technology-Based Joint Funding Services (LPBBTI).

 

Who is Mekar?

Mekar is the brand name of PT Mekar Investama Teknologi, which is an operator of Information Technology-Based Joint Funding Services (LPBBTI) or Peer to Peer Lending (P2P). Mekar provides a Platform that connects Lenders with Borrowers to support funding activities in accordance with applicable laws and regulations.

In carrying out its Services, Mekar may process Personal Data belonging to Users, including but not limited to Lenders, Borrowers, prospective Users, management or representatives of business entities, as well as other parties whose Personal Data is lawfully provided to Mekar.

 

Control of Personal Data

In carrying out the Personal Data processing activities described in this Privacy Policy, PT Mekar Investama Teknologi acts as the Personal Data Controller, to the extent so determined based on the purposes and methods of Personal Data processing carried out.

Under certain conditions, other parties cooperating with Mekar may act as Personal Data Controllers or Personal Data Processors in accordance with their respective roles, legal relationships, and processing purposes.

 

Personal Data Subjects That May Be Processed

Personal Data processed by Mekar may originate from various parties interacting with Mekar, including:

1. Lenders;
2. Borrowers;
3. Prospective Lenders and prospective Borrowers;
4. Platform users;
5. Representatives or management of business entities;
6. Parties authorized to represent a business entity;
7. Contacts or related parties in verification, funding, collection, or customer service processes; and
8. Other parties whose Personal Data is lawfully obtained and required in the execution of Mekar's activities.

 

Information on Personal Data Processing Based on Consent

In accordance with the provisions of Article 21 of UU 27/2022, where your Personal Data is processed based on consent, Mekar as the Personal Data Controller is required to convey information to you regarding:

1. Legality of Personal Data processing.
   The processing of your Personal Data by Mekar is based on your consent, and/or other legal bases as further elaborated in the 'Legal Basis for Processing Personal Data' section below. Consent to the processing of Personal Data as referred to above is given by you during the Account registration process on the Platform, where you state that you have read, understood, and agreed to all provisions in this Privacy Policy.

2. Purpose of Personal Data Processing.
   The purpose of processing your Personal Data is as set forth in the section “What is Mekar’s Purpose in Processing Your Personal Data?”

3. Types and Relevance of Personal Data Processed.
   The Types and Relevance of Personal Data Processed are as set forth in the section “Types of Personal Data Processed”.

4. Retention Period for Documents Containing Personal Data.
   Mekar retains documents containing your Personal Data for 10 (ten) years starting from the end of your relationship with Mekar and/or the Platform, unless otherwise required by applicable laws and regulations.

5. Details Regarding Information Collected.
   In more detail, the information collected by Mekar includes data provided directly by you during registration and use of the Platform (as described in point c above).

6. Period of Personal Data Processing.
   Your Personal Data is processed by Mekar as long as you are registered and/or actively using the Platform as a Lender and/or Borrower, and such processing may continue after the termination of your relationship with Mekar to the extent necessary to fulfill the retention period described in point d above.

7. Rights of Personal Data Subjects.
   Your rights as a Personal Data Subject are further detailed in the “Your Rights as a Personal Data Subject” section below.

In the event of changes to the information mentioned above, Mekar must notify you as the Personal Data Subject of such changes before they take effect, and must obtain your consent for said changes. Notification of changes may be delivered through Information within the Services or via electronic mail (email) to each User.

 

Legal Basis for Processing Personal Data

Mekar processes Personal Data based on one or more allowable processing bases under the provisions of laws and regulations, including:

1. Valid consent from the Personal Data Subject;
2. Performance of a contract or necessary actions taken to fulfill a request from the Personal Data Subject;
3. Compliance with Mekar's legal obligations;
4. Execution of tasks in the public interest or the exercise of official authority based on laws and regulations; and/or
5. Other legitimate interests in accordance with applicable regulations.

 

What is Mekar’s Purpose in Processing Your Personal Data?

Mekar reserves the right to request, obtain, collect, process, store, use, and/or disclose User Personal Data in framework of or related to the following purposes:

1. Providing access to Users and organizing as well as facilitating the use of the Mekar Platform and services;
2. Assessment, analysis, verification, execution of Know Your Customer (KYC) provisions, validation or checks regarding:
   • User profile;
   • Requests or applications for obtaining funding and/or Borrowers;
   • Risk assessment and credit assessment processes;
   • Other information needed in providing services.
3. Fulfillment of Mekar's rights and obligations under legal provisions and regulations, Funding Agreements, and/or other applicable agreements;
4. Execution, management, monitoring, and supervision of funding activities and contractual relationships with Users;
5. Execution of collection activities, settlement of obligations, dispute resolution, and/or defense of Mekar's rights;
6. Anti-money laundering and counter-terrorism financing checks in the financial services sector;
7. Conducting surveys, research, analysis, evaluations, development, and improvement of Mekar's products and/or services;
8. Fulfillment of internal and external audit, monitoring, reporting, and oversight requirements;
9. Notifying users about changes to the Platform and Services;
10. Law enforcement and Mekar's compliance with legal provisions and regulations.

To achieve these purposes, Personal Data may be processed, provided, or disclosed to parties related to the provision of Mekar services and/or authorized parties, provided it is conducted based on lawful processing purposes and bases, including:

1. Bank and non-bank financial institutions, credit bureaus, collection agencies, and/or third-party service providers with an interest, as long as they are bound by confidentiality obligations regarding User Personal Data;
2. Representatives, any Party related to or part of Danamas and under confidentiality obligations regarding User Personal Data for specific purposes; and/or
3. Financial Services Authority (OJK), courts, prosecution offices, police, and other government institutions, either upon Danamas' initiative or as required by provisions of law, regulations, directives, instructions, or policies of government institutions or government officials.

 

Types of Personal Data Processed

The types of Personal Data processed may differ depending on the relationship and services used. Such data may include but is not limited to:

1. Identity Data:
   • Full name;
   • Identification number;
   • Place and date of birth;
   • Gender;
   • Nationality;
   • Photo or identity documents;
   • Signature specimen; and
   • Other identity information required for the verification process.
2. Contact Data:
   • Residential or correspondence address;
   • Telephone number;
   • Electronic mail (email) address;
   • Emergency contact or related contact information; and
   • Other communication information.
3. Financial and Transaction Data:
   • Account information;
   • Income and financial condition information;
   • Funding information;
   • Payment and transaction information;
   • Information related to funding obligations;
   • Information on risk assessment results or funding eligibility; and
   • Other financial information required in service provision.
4. Business Data:
   Where related to business activities, Personal Data may include:
   • Company or business entity information;
   • Documents or information related to business activities;
   • Information regarding beneficial owners or authorized parties; and
   • Other information required for verification processes and service provision.
5. Device and Technical Data:
   • IP (Internet Protocol) address;
   • Device information;
   • Operating system;
   • Browser;
   • Platform usage information;
   • Pages or features accessed;
   • Activity logs; and
   • Other technical information generated when using the Platform.
6. Location Data. 
   Under certain conditions, Mekar may process location information if required for service provision and obtained in accordance with permissions, device settings, and applicable regulations.
7. Specific/Sensitive Data:
   Under certain conditions, Mekar may process Personal Data that falls into specific categories under laws and regulations, provided it is necessary and has a lawful processing basis.

 

Where Does Mekar Obtain Your Personal Data From?

Mekar may obtain your Personal Data through:

1. Data provided directly by you;
2. Data generated when you use the Platform;
3. Documents or information submitted during registration, verification, funding, payment, or other service processes;
4. Parties that lawfully provide Personal Data to Mekar;
5. Service providers or partners assisting with verification, service provision, fraud prevention, or other operational activities;
6. Legally available information sources for verification purposes or legal compliance; and
7. Other sources permitted under applicable laws and regulations.

 

Automatically Generated Information

Mekar may automatically process Personal Data, including profiling, as part of operational activities and risk management.

Such automated processing may be used in activities including:

1. Credit assessment and funding eligibility evaluation;
2. Risk assessment and monitoring;
3. Fraud prevention and detection;
4. Implementation of AML (Anti-Money Laundering) and CFT (Countering the Financing of Terrorism) programs;
5. Identification and checking of PEPs (Politically Exposed Persons);
6. Monitoring of risky transactions and activities; and
7. Other purposes required for security and compliance.

Processing may utilize information obtained from the Personal Data Subject, transaction information, verification results, and other lawfully obtained information

Under certain conditions, the results of automated processing or profiling may serve as one of the factors used in decision-making regarding Mekar's services.

Mekar applies appropriate controls over such processing while continuing to honor the rights of Personal Data Subjects in accordance with applicable regulations.

 

Your Rights as a Personal Data Subject

In accordance with the provisions set forth in Law No. 27 of 2022, as a Personal Data Subject, you have the right to:

1. Obtain clear information regarding the identity, legal basis of interest, purpose of request, and use of your Personal Data, as well as the accountability of the party requesting your Personal Data;
2. Complete, update, and/or correct errors and/or inaccuracies in your Personal Data in accordance with the processing purpose;
3. Obtain access to and receive copies of your Personal Data in accordance with applicable laws and regulations;
4. Terminate processing, erase, and/or destroy your Personal Data in accordance with applicable laws and regulations;
5. Withdraw consent to Personal Data processing that you previously provided to Mekar;
6. Object to decision-making actions based solely on automated processing, including profiling, which produces legal effects or significantly affects you;
7. Delay or restrict the processing of your Personal Data proportionally in accordance with the processing purpose;
8. Sue and receive compensation for violations in the processing of your Personal Data in accordance with applicable laws and regulations; and
9. Obtain and/or use your Personal Data from Mekar in a format commonly used or readable by electronic systems, including the right to transmit such Personal Data to another personal data controller.

You may exercise the above rights by contacting Mekar via email at support@mekar.id as described in the section “Reviewing and Correcting Your Personal Information”.

 

Disclosure of Personal Data to Third Parties

Mekar may disclose or provide access to Personal Data to other parties to the extent necessary for legitimate purposes and in accordance with applicable regulations. Such parties may include, but are not limited to:

1. Directors, commissioners, employees, or agents of Mekar;
2. Supporting service providers for Mekar's activities, including:
   • Electronic signature service providers;
   • Technology and infrastructure service providers;
   • Cloud service providers;
   • Verification and identification service providers;
   • Payment or banking service providers;
   • Collection service providers;
   • Consultants, auditors, or professional service providers;
3. Financial Services Authority (OJK), Indonesian Joint Funding Fintech Association (AFPI), and other authorities or institutions; and
4. Other parties to the extent necessary based on contractual relationships, legal obligations, or other lawful processing bases.

Mekar establishes necessary arrangements with third parties processing Personal Data for and on behalf of Mekar according to their respective roles and responsibilities.

 

Transfer of Personal Data Outside the Territory of Indonesia

Under certain conditions, Personal Data may be transferred, stored, or processed outside the territory of the Republic of Indonesia through service providers or other parties collaborating with Mekar.

In conducting such Personal Data transfers, Mekar will fulfill applicable personal data protection requirements and implement necessary measures to ensure a level of Personal Data protection consistent with legal and regulatory provisions.

 

How is Your Personal Data Protected?

Mekar implements necessary technical and organizational measures to protect Personal Data against unauthorized access, use, alteration, disclosure, loss, damage, or processing.

Such measures may include access control, authentication, encryption, activity logging, monitoring, infrastructure security, access rights management, risk management, and other security controls according to needs and risk levels.

Mekar also implements an information security management framework and security controls in accordance with relevant standards and regulations.

No electronic transmission or storage method can be guaranteed to be completely free from security risks. Therefore, Mekar continuously develops and improves the security of Personal Data and the Platform.

 

Storage and Retention of Your Personal Data

Mekar stores Personal Data as long as necessary to fulfill processing purposes, satisfy contractual relationships, comply with legal obligations, resolve disputes, conduct audits, or fulfill other legitimate needs.

For Personal Data related to the operation of LPBBTI, Mekar stores Personal Data for the duration required under applicable laws and regulations.

Unless otherwise specified under applicable provisions, Personal Data may be retained for at least 10 (ten) years from the end of the business relationship or according to another required period under applicable regulations.

After the retention period expires, Personal Data will be erased or destroyed in accordance with applicable policies and procedures, unless there is a legitimate legal basis to retain it.

 

Erasure and Destruction of Your Personal Data

Mekar will erase or destroy Personal Data if:

1. The retention period has expired;
2. The processing purpose has been achieved and no legitimate legal basis remains to retain the Personal Data;
3. There is a request from the Personal Data Subject that must be fulfilled under applicable regulations;
4. Legal or regulatory provisions require erasure or destruction; or
5. Based on other reasons permitted under applicable regulations.

The execution of erasure or destruction may consider data retention obligations, legal interests, audit needs, fraud prevention, dispute resolution, and regulatory obligations.

 

Reviewing and Correcting Your Personal Data Information

If you wish to know what information about you Mekar has collected, you may submit a request to receive an overview of your Personal Data by sending an email to support@mekar.id.  Mekar will provide you with written information within 3 (three) Business Days.

If the Personal Data processed about you is inaccurate, incomplete, or unnecessary for the purpose for which it was collected, you may request Mekar to correct, erase, or block such information. Mekar will respond to such requests within 3 (three) Business Days of receiving a request sent to the aforementioned email address.

 

Cookies 

Mekar uses cookies on the Platform for various reasons, which you can read about below. Mekar’s cookies are not used to store personal information other than your IP address, which does not harm your computer. Mekar wants the Platform to be informative, personal, and as easy to use as possible, and cookies help Mekar achieve that goal.

By using the Platform, you consent to the use of cookies and other technologies as set out in this policy. Mekar appreciates that some Users may prefer more individual control over their visits to the Platform and want the ability to adjust their settings. You can read all about this in the section below titled “How to Manage Cookies”. If you do not agree to such usage, you are welcome not to use the Platform.

 

Mekar uses both Persistent Cookies and Session Cookies:

1. Persistent Cookies are used to allow the Platform to recognize Users when they return to the Platform and to remember certain information about their preferences. These cookies remain on your computer permanently until you manually delete them.
2. Session Cookies are used to allow Users to carry information across pages of the Platform without having to re-enter it. These cookies automatically delete themselves when you leave the Platform and visit another site, or when you close your browser.

Mekar has also developed relationships with carefully selected and monitored partners to assist in providing a high-quality Platform. Some of these partners may also set cookies during your visit to support tailoring advertisements you might see elsewhere on the Internet, and/or to fulfill contractual obligations with Mekar.

While these cookies do not store any personal information relating to you or your credit card, please note that we do not have access to or control over cookies and similar technologies used by Mekar's partners.

 

Social Media Cookies

To enrich Platform content, Mekar may occasionally embed video content from other social media sites such as LinkedIn, YouTube, or Facebook. Consequently, when visiting a page with embedded content, you may be presented with cookies from those sites. Mekar has no control over or liability for these cookies, so you should check the relevant third-party cookie policy for more information.

Mekar also offers a ‘share page’ feature on several Platform pages, where content can easily be shared on sites like Facebook, Twitter, LinkedIn, and others. These sites may set cookies when you log into their services. Mekar has no control over or liability for these cookies, so you should check the relevant third-party cookie policy for more information.

 

How to Manage Cookies

Mekar will not use cookies to collect personal information about you. However, if you choose to disable, reject, or block our cookies, some parts of the Platform will not function fully, or in some cases, the Platform may not be accessible at all.

For more information on how to adjust your cookie and browser settings, or how to delete cookies on your hardware, please visit www.aboutcookies.org.

 

Third-Party Sites and Services

The Platform may contain links or integrations to sites, applications, or services provided by third parties.

This Privacy Policy does not apply to Personal Data processing practices carried out by third parties that are outside Mekar's control.

Users are advised to read the privacy policies of respective third parties before providing Personal Data or using those services.

 

Mekar Business Transfer

In the event that Mekar grows and develops further (or for other reasons), one or more units or assets of Mekar's business may be transferred or outsourced to a third party, Mekar may be acquired by a third party, or Mekar may merge with a third party. In such cases as well, your personal information will be transferred, and you hereby authorize and delegate Mekar to perform such transfers without any objection. Mekar will notify Personal Data Subjects where required under applicable provisions.

 

Can This Privacy Policy Be Changed?

Mekar may amend or update this Privacy Policy from time to time to adapt to changes in services, technology, business processes, or legal and regulatory provisions.

Changes to the Privacy Policy will be notified through the Platform or other appropriate communication channels.

TERMS AND CONDITIONS

This page contains the terms and conditions for using, accessing, or utilizing this Platform. Please ensure that you read all of these Terms and Conditions carefully.  

By accessing and/or using this Platform, you declare that you have read, understood, and agreed to be legally bound by these Terms and Conditions, and that you are submitting an application to register yourself as a Lender or Borrower. If you do not agree to these Terms and Conditions, you may not register as a Lender or Borrower.   

Any substantial changes to these Terms and Conditions will be communicated through the Platform, and Users are required to read each change carefully prior to continuing to use and/or access the Platform. By continuing to use and/or access the Platform, you hereby declare that you have read, acknowledged, understood, and agreed to such changes executed electronically, the administration of which is conducted electronically by the platform provider. 

 

Definitions

The terms in the Terms and Conditions below have the following definitions, unless the context requires otherwise:

1. Company refers to PT Mekar Investama Teknologi, widely known as MEKAR, a legal entity established in the Republic of Indonesia and an operator of Information Technology-Based Joint Funding Services (LPBBTI), commonly known as Peer to Peer (P2P) Lending. Mekar operates a platform that connects Lenders with Borrowers.
2. Platform refers to https://mekar.id.
3. User refers to any Lender or Borrower who uses, accesses, or utilizes the Platform.
4. The Parties refers to the Company and the User collectively.
5. Lender refers to an individual or institutional party intending to provide funds to be lent to parties requiring loans or financing through the Platform.
6. Borrower refers to a party applying for a loan/financing through the Platform.
7. Privacy Policy refers to Mekar's Privacy Policy document governing the processing of Users' Personal Data, which constitutes an integral part of these Terms and Conditions.

 

User Declarations and Consent

1. The User hereby declares and warrants that:
   • The User has read and agreed to these Terms and Conditions;  
   • The User will use, access, or utilize this Platform solely for lawful purposes;   
   • All information provided by the User to the Company, including but not limited to personal data, information, and/or documents required by the Company, is accurate and complete;
   • The User consents to the Company using and/or publishing all User data and information entered into the Platform in connection with funding/financing transactions or obtaining loan funds. The use of information shall strictly comply with applicable laws and regulations.
2. The User hereby assumes full responsibility for any risks arising in connection with the publication and execution of the User's data and information, and indemnifies and holds harmless the Company, including its management and employees, from any such arising risks.   
3. The User agrees and consents to verification and validation by the Company regarding the data and documents provided for the purpose of granting funding/financing or securing loan funds.   
4. The User consents to the Company publishing Borrower data on the Mekar Platform, which will subsequently be offered to Lenders to provide loan funding.

 

Amendments to Terms and Conditions

1. The Company reserves the right to amend these Terms and Conditions from time to time. Any changes to the Terms and Conditions will become effective from the moment the Company posts them on the Platform. 
2. The User understands and agrees that by continuing to use the Platform after changes are made, the User is subject to and bound by the new Terms and Conditions. If the User does not agree to the changes, the User has the right to stop using the Platform and resign as a Lender or Borrower.   
3. The provisions mentioned in the paragraph above apply to amendments to the Terms and Conditions in general. Specifically for amendments related to the processing of the User's Personal Data, the notification and/or consent mechanisms set out in Mekar's Privacy Policy shall apply.   Users are advised to check this page periodically, as any changes, variations, and corrections to these Terms and Conditions will be binding on the User.

 

Electronic Communication

All forms of communication from the Company regarding services to the User will be provided electronically, whether via email, WhatsApp messages, or publications through the Platform.   

The User agrees to receive all documents, notices, and agreements electronically arising from the use of the Platform and services. The User's consent to each electronic document, notice, and agreement is given by clicking the agree button/checkbox on the Platform and/or electronically signing documents.   

Any consent provided electronically by the User through the Platform shall be fully binding upon and the responsibility of the User as a service user, concerning both rights and obligations arising from such consent, and indemnifies Mekar, along with its directors and employees, from any existing risks. 

 

Platform User Content

1. The User is fully responsible for all materials and information provided, uploaded, published, made available, or displayed on the Platform (“User Content”).   
2. The User understands and agrees that the Company reserves the right, but is not obligated, to review and delete (without prior notice) any User Content at its sole discretion, including but not limited to User Content that the Company deems to violate these Terms and Conditions, contradict applicable laws and regulations, or infringe upon or jeopardize the rights and safety of other Users.   
3. By using this Platform, you grant the Company the right to use, copy, publicly display, reformat, and distribute User Content for other purposes (marketing and/or promotional) or related to Platform usage. You reserve the right to withdraw your User Content at any time. If you withdraw your User Content from the Platform, all rights previously granted to the Company as described above shall remain in effect. 

 

Prohibited Activities

The User represents and warrants that they will not use or access the Platform to perform any of the following actions, unless prior written approval is obtained from the Company:  

1. Using, accessing, collecting, and/or extracting data from the Platform, whether for a specific purpose or without any specific purpose;   
2. Using any automated means and/or programs to access the Platform and/or collect information from the Platform;  
3. Uploading, publishing, emailing, or making available advertisements, promotions, junk mail, spam, and/or any other form of solicitation, whether commercial or non-commercial, on the Platform, to Platform Users, and/or to third parties;   
4. Altering the appearance of the Platform;  
5. Creating pop-ups for any access to the Platform;   Performing any other actions that impact or may cause harm to the Company and facilities within the Platform.  

 

Data Accuracy

1. The User guarantees the authenticity and accuracy of all data provided through the Platform. The data provided must be true, accurate, complete, current, and non-misleading.   
2. The User shall update and notify the Company of any data and/or information changes immediately after such changes occur.   
3. The User shall safeguard their password and personal data.  
4. If at a later date the Company discovers that the data or information provided by the User is untrue, suspected to be false, and/or inaccurate, the Company reserves the right to block the User's access to the Platform. The User shall be fully responsible for any material or non-material damages arising or that will arise due to any inaccuracy in the data provided. 

 

Governing Law and Dispute Resolution

These Terms and Conditions and any other provisions established by the Company are governed by and construed in accordance with the laws of the Republic of Indonesia. Any and all disputes, disagreements, or conflicts arising out of or in connection with the use of this Platform (“Disputes”) shall, wherever possible, be resolved amicably through consensus.  

If a Dispute cannot be resolved amicably within 30 (thirty) calendar days from the date of notice/complaint, the Parties agree that the Dispute shall be settled by the Indonesian National Board of Arbitration (Badan Arbitrase Nasional Indonesia – BANI) in Jakarta, using BANI's arbitration rules and procedures. The Parties agree that the award rendered by the arbitrator shall be final, binding, and non-appealable regarding the Dispute submitted to the tribunal, and the Parties agree to take all necessary measures to ensure the execution of the arbitration award.   

These Terms and Conditions cannot be withdrawn or canceled for any reason without the prior written consent of the Company. 

 

Contact Us

For further information, please visit the Help Center page or send an instant message through the methods provided on the Contact Us page.

 

About the Company

PT Mekar Investama Teknologi (hereinafter referred to as the Company), widely known as MEKAR, is a legal entity established in the Republic of Indonesia. MEKAR is an information technology-based peer-to-peer lending service provider.   

The Company provides services connecting lenders with Borrowers, covering funding from individual or institutional lenders (organizations, businesses, and other legal entities) to individuals and other business entities requiring financing. The Company does not provide financial advice or recommendations regarding the funding options available on this site.   

Mekar has obtained its business license from the Financial Services Authority (OJK) pursuant to OJK Decree Number KEP-127/D.05/2019 dated December 13, 2019. Mekar's business activities are strictly supervised and regulated under Financial Services Authority Regulation Number 40 of 2024 on Information Technology-Based Joint Funding Services, thereby ensuring Mekar's legality and compliance with applicable laws and regulations in Indonesia.   

MEKAR’s products and services are developed with strict compliance with applicable regulations in mind. We have consulted with the OJK regarding our operational business framework and actively monitor changes and developments in peer-to-peer lending regulations in Indonesia. From time to time, we modify our products and business processes to remain fully aligned with current regulations.   

All content and materials on this site are intended for general information purposes only and should not be construed as an offer, solicitation, invitation, advice, or recommendation to fund loans. The MEKAR Platform and products may contain links and/or references to third-party websites or web content. The Company accepts no responsibility or liability for such third-party content or websites.