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Impact Investing

Microfinance Marketplace

Participate for Making Real Impact with Funding at Amartha

Start earning weekly passive income by utilizing funding for the preferred micro businesses

Start Funding

Empowering rural micro businesses, accomplishing better Prosperity for Indonesia

Earn Weekly Passive Income

Earn passive income through earnings in weekly periods. Micro business funding starts from IDR 100.000, get return of investment up to 15% flat per year.

Calculated Risk

Amartha utilize a credit scoring system with machine learning for more accurate measurement of investment risk. Amartha also implements joint liability system and officially licensed and supervised by the The Indonesia Financial Services Authority (OJK)

Social impact

Amartha provides business funding for micro business development in more than 35,000 villages and contributing fair sharing of benefits through women's empowerment all at once.

Trusted and guaranteed funding through Amartha

Amartha is licensed and supervised by the Indonesia Financial Services Authority (OJK)

Amartha implements a fair sharing of benefits to anticipate and minimize payment failures

Amartha utilizes machine learning that provides accurate and holistic risk profile calculation

Amartha holds 13 years experience of optimizing quick and accurate loan disbursement assisted by >8,000 field officers

Funding Amount

Enter your amount of funding

Select Funding Duration

year

Choose the borrower's credit score

Financial Calculator

Emulate funding and project profitability

Calculate the return that is obtained by making impact investing for micro businesses through Amartha. Forecast the weekly return and calculate the annual compounded return over time. Important to know. Learn how Amartha manages funding risk here

Weekly Return

0.23%

Rp230

Annual Return

11.50%

Rp11.500

Total Annual Return over 3 Years

34.50%

Rp34.500

Let's start funding the preferred micro business with Amartha

Download and Register

Download the Amartha app, fill the data, upload the requested documents and wait for the verification to complete the process

Choose Borrower

Click the 'Marketplace' menu in the app then review the borrower profile for funding. Explore the A-E credit score options with various percentages of return, business sector, business locations, tenors and types of impact.

Complete Payment

Make payments using the Amartha account balance or top-up the balance using e-banking or e-wallet option

Receive installments

Review the borrower payment performance through the 'portfolio' menu. Installment payments will be added immediately to the Amartha account balance

What do they say about microfinance funding with Amartha

With only 100.000 IDR, Amartha provides return benefits with measurable risks and social impacts

Amartha is one of the P2P Lending investments that I first tried and made me become investment literate. This is the place where learning and sharing are made easy. It has easy to understand features as well as an investment that we can share with people who need access to capital.
Rizky Asaf - @kiasaf
Good Lender at Amartha
I believe in Amartha as a P2P Lending platform for investment, it offers more than just financial return- its services can empower small business owners in rural areas with the value they've given.
Jennifer Tan
Good Lender at Amartha
Congratulations to Amartha for the achievement of funding 1 million MSMEs throughout Indonesia. It makes sense because Amartha is a different investment platform than others. Why? because investing in Amartha has value.
Harso Adjie
Good Lender at Amartha