Amartha

Amartha is an OJK‑registered Indonesian P2P lending platform, formally licensing under S‑2491/NB.111/2017 and fully approved as a fintech lender. It empowers rural micro-entrepreneurs—especially women—by facilitating group-based microloans through village cooperatives.

Minimum investment

10,000 IDR

Advertised return

Investors

N/A

Payment options

Bank transfer, Direct debit

Total funding volume

35,000,000,000,000 IDR

Average loan duration

12 months

What does Amartha offer ?

Offer for Investors:

Both individuals and institutions can invest in small-business loans starting from just Rp 10,000, with potential annual returns ranging from 7% to 12.5%. The platform enables passive income through weekly distributions and leverages machine learning for credit scoring. Many loans are backed by collateral or group guarantees, and investors can opt for insurance that covers 75% to 99% of the principal in the event of borrower default.

Offer for Fundraisers:

Women-led MSMEs in rural/community settings can secure grouped microloans through cooperatives.
Amartha provides mobile onboarding, community training, scoring, and seamless loan disbursement and repayment tracking systems.

Who can invest on Amartha ?

Open to Indonesian residents, including both individuals and institutions.

What are Amartha fees ?

Fundraisers cover loan service charges (~0.375% per month).

Profile strength: Strong

Would you invest via Amartha?

What is the target industry of the Amartha crowdfunding website?

Amartha offers to invest in various crowdfunding opportunities from the SME sector.

What is the minimum amount needed to invest at Amartha crowdfunding platform?

At Amartha, you can start investing with IDR 10,000.

What types of investment does the Amartha crowdfunding platform provide?

The investment models Amartha operates is P2P lending.