PT Amartha Mikro Fintek (Amartha), a leading fintech P2P lending platform in Indonesia, has confirmed that it has met the final stage of equity requirements set by the Financial Services Authority (OJK), ahead of the June 2025 deadline.

According to Harumi Supit, Vice President of Public Relations at Amartha, the company fulfilled the mandate through a series of equity fundraising rounds with trusted investors.

Amartha has conducted several equity funding series with reputable investors. The funding amount has exceeded the minimum equity set by OJK,” said Harumi on Tuesday, May 27, 2025.

Strategic Investment Bolsters Amartha’s Liquidity and Growth Plans

With the fresh capital injection, Amartha reports improved liquidity, allowing it to expand services and explore new business lines.

Harumi added that Amartha is committed to the sustainable development of its product and business portfolio.

To date, Amartha has disbursed over Rp35 trillion in working capital to more than 3.3 million micro, small, and medium enterprises (MSMEs) across Indonesia.

“In the coming years, we will continue to pursue collaborative strategies with investors,” she said.

Diverse Investor Base Includes Domestic and Global Players

Amartha’s investor lineup reflects a diverse mix of domestic and international backers.

Founder and CEO Andi Taufan Garuda Putra shared that investors include both equity and debt funders.

“Domestically, we have Mandiri Capital and Telkom. Internationally, there are Women’s World Banking and Accion, both focused on digital fintech. From Korea, we have the Lion Bank group, and from Singapore, there’s IOB [Indian Overseas Bank],” said Andi.

In addition to equity investors, Amartha has also partnered with major financial institutions as lenders.

One key partnership is with Standard Chartered Bank Indonesia, which in late 2024 committed Rp2 trillion in financing to support 400,000 women entrepreneurs. Of that, Rp700 billion has been distributed to 90,000 entrepreneurs.

Regulatory Milestone Under POJK 10/2022

Amartha’s equity compliance aligns with the final phase of the OJK’s escalating equity requirement under POJK 10/2022.

The regulation mandates P2P lending platforms to reach a minimum equity of Rp12.5 billion by June 2025.

The equity regulation was introduced in three stages:

• Stage 1: Rp2.5 billion by June 2023
• Stage 2: Rp7.5 billion by June 2024
• Stage 3: Rp12.5 billion by June 2025

As of May 2025, 12 fintech P2P lending companies in the industry had yet to meet the second-stage equity requirement.

Focus on Long-Term Trust and Quality

Reflecting on Amartha’s approach to sustainable funding and growth, CEO Andi emphasized the importance of building a trusted and resilient business.

“Funding from abroad is always available, but what matters is building a quality, sustainable business that earns trust,” he concluded.

PHOTO: MEDIA ASURANSI NEWS

This article was created with AI assistance.