Amartha

Founded in 2010 as a microfinance institution by Andi Taufan Garuda Putra, Amartha transformed into a peer-to-peer (P2P) lending fintech company in 2016. The company's mission is to advance financial inclusion by connecting urban lenders with women micro-entrepreneurs in rural Indonesia who lack access to traditional banking services. Amartha utilizes a proprietary credit-scoring system and a group lending model to assess risk and foster community support, aiming to create social and economic impact by providing affordable and accessible business capital.