Offer for Investors:
Individual and institutional investors can fund MSME loans through virtual escrow accounts, earning annual returns of 7–12.5%, which are notably higher than conventional bank rates. Mekar supports this process with credit scoring, ongoing borrower monitoring, and often offers a 100% principal guarantee, backed by partner cooperatives for added security.
Offer for Fundraisers:
- MSMEs, especially small producers and women-led businesses, partner through regional cooperatives to receive microlending.
- Mekar’s cooperative partners conduct loan vetting, disbursement, collection, and local support—Mekar handles platform integration and investor matching.
Open to Indonesian individuals and institutions who complete digital KYC. An international investor can also invest with Mekar.
Borrowers pay lending partners about 23% per year. 13% goes to the Lending partner for their work, around 2% to Mekar and about 8% to the lenders.
Mekar offers to invest in various crowdfunding opportunities from the SME sector.
At Mekar, you can start investing with IDR 100,000.
The investment models Mekar operates is P2P lending.
