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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
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
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
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
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
Amartha's Lender
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
Amartha's Lender
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
Amartha's Lender
Popular Questions about Microfinance Funding
How can I review the borrower's timely repayments?
Lenders can always review it in the Amartha app under the "portfolio" menu. Find the consistent payment status, the remaining principal balance and the total return per borrower that has been collected. If new funding occurs, you can also find the latest status here.
Why are there failed funding disbursements to the borrower side?
This could be due to the selected borrower withdrawing from the funding application, or, if you fund through a crowdfunding scheme, perhaps the funding target is not met by the specified deadline.
How does Amartha calculate borrower loan risk?
Amartha uses data-driven risk profiling technology for any collected data processing including: demographics, business and family status, funding history and psychometric-emotional assessment.
How many borrowers can I fund?
There is no limit of how many borrowers can be funded. Lenders can directly choose borrowers under the 'marketplace' menu in the Amartha app and make payment settlements for several borrowers at once.