Amartha believes that everyone has an equal opportunity to start and develop business. As a Peer-to-Peer (P2P) lending platform, we aim to help micro and small enterprises (SMEs) in rural areas of Indonesia to gain access to affordable financing from investors.

Established in 2010 as a microfinance institution, Amartha transformed into a financial technology company in 2015. We’ve served more than 25.000 micro-entrepreneurs in West Java with 0% of non-performing loans for five consecutive years.

Here at Amartha, we're continuously looking for talented, passionate individuals who want to create lasting difference across Indonesia. Are you the one we’re looking for? Drop an email to and we will reach you to share more about our journey.