Rp –
total loan disbursed
–
micro entrepreneurs have been empowered
–
on time repayment
Opening Access to Social Welfare
Established in 2010, Amartha is a pioneer in fintech peer-to-peer (P2P) lending. Amartha gives you the opportunity to get connected with rural micro-enterprise through lending, getting profitable return, and add social impact to your investment. For your secure investment, we mitigate default risk by joint liability group, life insurance, and credit insurance. You can also monitor all of your funding activities through Amartha’s dynamic dashboard.
Membuka Akses untuk Sejahtera Bersama
Berdiri sejak 2010, Amartha adalah pionir fintech (financial technology) peer-to-peer (P2P) lending. Membuka kesempatan bagi Anda untuk terhubung dengan pengusaha mikro pedesaan melalui pinjaman modal, memberikan Anda imbal hasil bersaing, dan menambah makna sosial dalam aktifitas penanaman modal Anda. Untuk keamanan aktifitas pendanaan Anda, kami melakukan mitigasi risiko gagal bayar dengan sistem tanggung renteng dalam kelompok, asuransi jiwa, dan asuransi kredit. Seluruh kegiatan pendanaan Anda dapat terpantau melalui dashboard dinamis Amartha.
Funding in Amartha
Measurable Risk
Amartha has been registered and supervised by OJK (Financial Services Authority of Indonesia, Indonesian: Otoritas Jasa Keuangan / OJK) and uses integrated risk management system, technology, and credit insurance from Jamkrindo
No Deductions
Funds distributed, and accepted by the borrowers will not be deducted with any administration fees. Likewise with the yield you receive.
Competitive Return
Earn up to 15% per year, with principal and yield returned weekly that can be cashed out anytime.
Transparent
All of your funding activities can be easily monitored anytime, via the Amartha dashboard.
Aman
Pengelolaan risiko berbasis teknologi dan penjaminan pembiayaan oleh Perusahaan Penjamin Kredit
Bermakna Lebih
Pendanaan Anda turut meningkatkan kesejahteraan masyarakat pedesaan dan mewujudkan ekonomi inklusif
Mudah
Mulai dengan Rp. 3 juta, Anda sudah dapat berinvestasi kepada pengusaha mikro dan UMKM
Menguntungkan dan Likuid
ROI mencapai 15% per tahun serta cashflow mingguan sehingga pengembalian angsuran dapat diambil kapan saja
Amartha Village Tour
Transparency is a commitment for Amartha. We regularly held Village Tour to give the opportunity to our investor to interact directly with micro entrepreneurs, witness how they create their product and observe their daily life so you could get a sense of how they do their business.
Amartha Village Tour
Transparansi adalah komitmen kami dalam pelayanan Amartha. Karena itu, kami mengadakan Village Tour untuk mengajak investor melihat secara langsung mitra usaha Amartha. Bahkan, investor dapat berinteraksi dengan pengusaha mikro dan melihat pembuatan produk usaha sehingga Anda mengetahui bagaimana mereka menjalankan bisnis tersebut.
Usaha mikro yang telah terdanai
Start Funding
Yanih
Rumah Tangga
Yanih ingin menambah dua karyawan untuk membantunya mengerjakan usaha kerajinan tikarnya.
Yanih membutuhkan Rp 5.000.000. Maukah Anda membantu orang-orang lain seperti Yanih?
Apsiah
Peternakan
Apsiah ingin membesarkan usaha ternak ikan cupangnya untuk dapat membantu ekonomi keluarga.
Apsiah membutuhkan Rp 3.000.000. Maukah Anda membantu orang-orang lain seperti Apsiah?
Enah
Perdagangan
Enah ingin mengembangkan usaha kios bakso dan mi ayamnya dengan membuka kios cabang baru.
Enah membutuhkan Rp 4.000.000. Maukah Anda membantu orang-orang lain seperti Enah?
Apa kata investor kami?
“Di Amartha Anda bisa mendapatkan return yang lebih baik dan membantu orang.”
Mereka yang kami layani
“Alhamdulillah saya bisa nambah-nambah penghasilan suami. Amartha ngasih saya jalan untuk usaha lebih. Amartha sudah bikin usaha saya lancar.”
Our Investor Story
“At Amartha you can get a better return and help people at the same time”
Our Borrower Story
"Thank goodness I can now add to my husband's income. Amartha has given me a way to provide more. Loan from Amartha has made my business better"
Frequently Asked Questions
How does Amartha choose a borrower?
We developed a credit scoring system with machine learning approach to assess the feasibility of each borrower.
Is Amartha regulated and overseen by the government?
The financial technology industry has been regulated and overseen by OJK. This rule is written in the POJK Number 77 concerning the Implementation of Loans and Borrowing System with Information Technology applications.
Is there a fee?
There is no cost when you lend to a borrower. However there maybe a fee in transferring between one bank and another when you withdraw your fund from your account at Amartha.