Creating equal economy for all, helping micro-entrepreneurs to grow

Rp 150 milyar

Total loan disbursed

55,000+

Micro entrepreneurs have been empowered

99,55%

On time repayment

Amartha Peer to Peer Lending

Amartha is a fintech peer to peer (P2P) lending pioneer for unbanked communities. We connect micro and small entrepreneurs who need capital ~ approximately IDR 3 million, with individuals who are looking for attractive investment alternatives that provides social impact. We guarantee the transparency and manage credit risk through a sophisticated credit scoring system and apply the “Tanggung Renteng (joint liability)” method.

Funding at Amartha

Secure

Technology-based risk management and financing guarantee by Perusahaan Penjamin Kredit (Credit Guarantee Company)

More Meaningful

Your funding gives a significant contribution in improving the welfare of rural communities and realizing an inclusive economy

Easy

Starting from as small as IDR 3 million you can fund a micro entrepreneur

Profitable and Liquid

ROI up to 15% per annum and we implemented weekly cash flow so the repayment installment can be taken anytime

Secure

Technology-based risk management and financing guarantee by Perusahaan Penjamin Kredit (Credit Guarantee Company)

Meaningful

Your funding gives a significant contribution in improving the welfare of rural communities and realizing an inclusive economy

Easy

Starting from as small as IDR 3 million you can fund a micro entrepreneur

Profitable and Liquid

ROI up to 15% per annum and we implemented weekly cash flow so the repayment installment can be withdrawn anytime

Various Funded Loan

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

What does our investor say?

Those we serve

Common 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.

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