Around 95% of Indonesian entrepreneurs are classified in the micro segment and yet for so long no banks are willing to serve them beacuse of the difficulties in measuring their risk profiles. Since 2010 Amartha have worked in the micro segment and now have created a technology-based risk management.
Our borrowers are living in remote areas with very limited access to conventional banking. We are determined to improve their welfare for a more equal economy.
The yield can reach up to 15% per annum. This is more interesting compared to any other conventional investment instruments. It’s an easy process and with as small as Rp. 3 million you can already fund micro and small entrepreneurs.
It’s predictable. The repayment of principal installments and return on a weekly basis created stability onto cash flow and can be used to refinance or withdraw. With lower transaction fee you can get higher profit meanwhile we have the opposite.
Bella Nawangsidi, Investor
Pemberi pinjaman sejak 2014
Amartha implemented a group financing system or “Tanggung Renteng (joint liability)” to strengthen the spirit of teamwork in the case bad credit occurs.
Amartha works with Credit Guarantee and Life Insurance Company to reduce investment risk
Amartha has been registered and overseen by the government through the Financial Services Authority (OJK).
Simply complete the following documents. Once your data is verified, you are eligible to fund our borrowers who are available in our marketplace.