Trusted partner in connecting you with micro entrepreneurs since 2010, Amartha

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?

Mereka yang kami layani

Our Investor Story

Our Borrower Story

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.

Still has a lot of questions?

Read our complete FAQ >

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