HO CHI MINH CITY, VIETNAM – International Finance Corporation (IFC), an international financial institution member of the World Bank Group that focuses on developing the private sector in developing countries, organizing the Digital Financial Inclusion Conference 2025, an international-scale forum held at Ho Chi Minh City, Vietnam, on 29-30 October 2025.

The panel session “Movables Finance & Embedded Credit Solutions” during the IFC Digital Financial Inclusion Conference 2025 in Ho Chi Minh City.

The Forum presents more than 200 participants from various countries in the Asia Pacific region, including industry leaders, regulators, investors, and digital finance innovators, to share views on how financial technology can accelerate economic growth, expand financial inclusion, and create quality jobs in the region.

In the prestigious forum, Mekar Investama Technology, a leading financing platform (impact lending platform) in Indonesia, was invited as a panel speaker at a session entitled Movables Finance & Embedded Credit Solutions which took place on Thursday, October 30. This session became a discussion space for financial industry players to highlight how mobile asset-based financing and credit integration in the digital ecosystem can open wider and more efficient financial access in emerging markets.

Mekar's involvement was represented by Founder & CEO, Pandu Aditya Kristy, who shared Mekar's experience and innovation in creating a solution and adaptive financing model for the needs of productive business actors in Indonesia. In his presentation, Pandu emphasized the importance of utilizing alternative data, digital collateral regimes, as well as cross-sectoral collaboration in accelerating the risk assessment process and expanding the reach of financing.

Furthermore, Pandu also highlighted the importance of supporting productive sectors such as agriculture which is the backbone of the local economy through a financing approach that focuses not only on capital distribution, but also on building a sustainable and resilient business ecosystem.

Pandu Aditya Kristy, Founder & CEO of MEKAR, shares his insights during the panel session “Movables Finance & Embedded Credit Solutions” at the IFC Digital Financial Inclusion Conference 2025 in Ho Chi Minh City.

"As a representative of Mekar, I share about how Mekar continues to provide innovations to empower farmers in Indonesia, by emphasizing the importance of going further than just lending. True financial inclusion requires more than just fintech lending services; rather an integrated financial ecosystem to support circular and sustainable growth. In particular, we discuss innovative strategies such as the application of contract farming and optimizing potential through the financing of moving assets to build a more resilient and empowered ecosystem," said Pandu Aditya Kristy, Founder & CEO of Mekar.

Pandu Aditya Kristy, Founder & CEO of MEKAR (far left), with fellow panelists during the session “Movables Finance & Embedded Credit Solutions” at the IFC Digital Financial Inclusion Conference 2025 in Ho Chi Minh City.

The forum, which was held for two days, is an important momentum for Mekar to introduce digital financing innovations from Indonesia to the international arena. This participation also affirms Mekar's commitment to encouraging cross-border collaboration to strengthen social and economic impacts through inclusive and sustainable productive financing.

In line with this vision, Mekar Investama Teknologi continues to strengthen the domestic productive financing ecosystem through various technology-based initiatives. As a financial technology company focused on empowering micro, small and medium enterprises (MSMEs) in Indonesia, Mekar presents innovative solutions to expand inclusive financial access, one of which is through contract farming operations that support the productivity of the agricultural sector, as well as the launch of Multi-Micro Agriculture Financing (MMAF), a micro financing scheme designed to support the working capital needs of farmers and local agribusiness actors, as well as strengthen supply chains and contribute to Indonesian government programs in strengthening national food security.

As the number one impact lending platform in Indonesia, Mekar continues to strive to present financial solutions that are not only growth-oriented but also have a real social impact on small and medium enterprises across the country.

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About MEKAR (PT Mekar Investama Teknologi)

MEKAR is a fintech lending platform focused on providing productive financing for micro, small, and medium enterprises (MSMEs) in Indonesia. MEKAR is committed to expanding fair, affordable, and socially impactful access to funding, particularly for small businesses that remain underserved by formal financial institutions. Through a technology-driven approach and strategic partnerships with cooperatives and local institutions, MEKAR supports MSME growth through financing, financial literacy, and continuous capacity building.

www.mekar.id

About the International Finance Corporation (IFC)

The International Finance Corporation (IFC) is the world’s largest global development institution focused on the private sector in emerging markets. Operating in more than 100 countries, IFC leverages its capital, expertise, and influence to create markets and opportunities in developing economies. In fiscal year 2025, IFC committed a record USD 71.7 billion to private companies and financial institutions in developing countries, mobilizing private capital and delivering private-sector solutions to help end extreme poverty and promote a livable planet.

www.ifc.org/

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