Profil PT Amartha Mikro Fintek

Profil Perusahaan / Lembaga - PT. Amartha Mikro Fintek
Deskripsi Perusahaan / Kelembagaan

Kami berdiri pada tahun 2010 sebagai microfinance yang bermisi menghubungkan pelaku usaha mikro dengan pemodal secara online. Cerita kami berawal dari banyaknya pengusaha mikro yang sulit mendapatkan modal usaha akibat keterbatasan jaminan, fluktuasi pendapatan, dan ketiadaan sejarah kredit. Namun, dengan teknologi yang tepat dan semangat gotong royong, kami percaya mereka dapat menjadi penerima pinjaman yang berkualitas. Di sisi lain, berinvestasi dalam usaha mikro terbukti menciptakan dampak sosial. Kami percaya kemudahan dalam mendapatkan akses permodalan untuk usaha mikro dapat berkontribusi untuk meningkatkan kualitas hidup masyarakat piramida bawah, membangun ketahanan ekonomi, dan mewujudkan keadilan sosial bagi rakyat Indonesia.

Amartha is pioneering P2P lending for micro-entrepreneurs. We connect aspiring unbanked micro-entrepreneurs with lenders interested in making profitable, impactful investments. We leverage technology to lower operating costs and reach geographically remote villages.

We are incorporated in 2010 as a microfinance institution then transformed into a fintech lending in 2016. As per 2021, Amartha has facilitated over IDR 3,26 trillion loan origination and served over 621,465 micro-entrepreneurs.

Today, We have more than 1,000 employees to empower informal economies to, for instance, open their grocery stalls or expand their traditional fish breeding, by bridging them with loans, ranging from IDR 3 million to IDR 10 million. These amounts may seem miniscule, but with the right approach, we believe that it could serve as an economic opportunity that increases welfare.

We have developed our proprietary technology platform and self-learning algorithm to support our marketplace. Our proprietary technology automates key aspects of our operations, including the borrower application process, data gathering, credit decisioning and scoring, and servicing.