Amartha runs a digital lending marketplace that matches individual lenders with women micro‑entrepreneurs in rural Indonesia. Using a mobile‑first app and an AI‑driven credit‑scoring model, it offers unsecured microloans of IDR 500,000‑5,000,000 with automated e‑wallet disbursement, scheduled repayments, and provides lenders with portfolio analytics and impact reporting.
Funding
$55M raised to dateRaised to date based on public sources. This may differ from the amount the company actually raised and is based only on what is publicly available on the internet.
Founders
Product
Problem
Women entrepreneurs in rural Indonesia often lack access to affordable credit because traditional banks require collateral and have limited branch presence, resulting in financial exclusion and constrained business growth.
Solution
Amartha operates a digital lending marketplace that directly connects individual lenders with underserved women borrowers. The platform leverages alternative data and machine‑learning credit models to assess repayment capacity without collateral. Loan applications are submitted and approved through a mobile interface, enabling rapid disbursement to borrowers’ digital wallets. Automated repayment scheduling and real‑time performance monitoring reduce default risk and operational overhead. Lenders receive portfolio analytics and impact reporting, while borrowers gain transparent terms and ongoing financial education resources. The end‑to‑end workflow is secured with end‑to‑end encryption and complies with Indonesian financial regulations.
Target Audience
The primary users are women entrepreneurs operating micro‑enterprises in Indonesia’s rural regions, while the secondary customers are individual impact‑oriented lenders seeking to fund inclusive credit projects.
Features
- Mobile‑first application for borrowers to submit documents, receive funds, and manage repayments
- Proprietary AI credit‑scoring engine that incorporates transaction history, mobile usage patterns, and community references
- Unsecured microloan products ranging from IDR 500,000 to IDR 5,000,000 with flexible tenors
- Automated disbursement to bank‑linked e‑wallets and scheduled debit for repayments
- Lender portal offering portfolio diversification, performance dashboards, and impact metrics
- Real‑time risk monitoring with predictive alerts for delinquency
- Secure data storage with AES‑256 encryption and compliance with OJK (Indonesia’s Financial Services Authority) guidelines