PT Amartha Mikro Fintek

Founded in 2010 and based in South Jakarta, PT Amartha Mikro Fintek specializes in Peer-to-Peer lending solutions aimed at empowering micro and small enterprises, especially women entrepreneurs, through accessible financial services. PT Amartha Mikro Fintek is a fintech company that provides Peer-to-Peer lending services to micro and small enterprises. The company was founded in 2010 in South Jakarta, Indonesia, by Andi Putra, who leads the firm as CEO. Amartha has successfully executed 9 deals and raised a total of USD 17.

50 mn, with its latest round of funding being led by Accion in 2025. Amartha Mikro Fintek primarily offers a comprehensive range of Peer-to-Peer (P2P) lending solutions designed to empower micro and small enterprises, particularly focusing on women entrepreneurs. The company's core offerings include group loans, allowing clusters of 15-20 individuals to apply for business financing, and various investment products for seamless transactions. Amartha aims to promote financial inclusion by providing access to capital for micro-entrepreneurs in rural areas, thus contributing to economic stability within their communities.

Its primary customer base includes individual borrowers from underserved demographics and investors looking to make socially impactful contributions. Amartha Mikro Fintek generates revenue through interest earned on loans issued to micro and small enterprises, alongside returns on investments shared with clients. The transaction structure involves borrowers applying for loans, funded by individual or institutional investors. When a group of entrepreneurs requests funding, they receive capital from various investors registered on the platform.

The firm operates on a fee-based model, earning revenue from transaction fees and service charges related to loan origination and processing, thereby enhancing the financial ecosystem for micro-entrepreneurs in Indonesia. In May 2025, PT Amartha Mikro Fintek raised USD 55 mn in venture debt funding from new investors including Swedfund, Finnfund, and the Belgian Investment Company for Developing Countries, as part of a larger USD 199 mn debt financing. The company plans to utilize this funding to expand financial inclusion for Indonesian women-owned microbusinesses, particularly those in rural areas, as part of its strategy for future growth.