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TKB Total 95.91% TKB90 is a measure of the success rate of fintech-peer-to-peer (P2P) lending providers in facilitating the settlement of loan lending obligations within a period of up to 90 days from the due date.
TKB Total 95.91% TKB90 is a measure of the success rate of fintech-peer-to-peer (P2P) lending providers in facilitating the settlement of loan lending obligations within a period of up to 90 days from the due date.

Micro Business Loans, a Golden Opportunity for Entrepreneurs to Build a Simple to Extraordinary Business

Micro Productive Loans are working capital loans intended for micro-entrepreneurs (individuals) who have simple businesses or businesses in various fields, such as fish farmers, grocery store owners, home laundry owners, etc. Investree is collaborating with the institutional/ecosystem platform that houses the entrepreneurs so that the process of financing and funding can be monitored carefully.

By utilizing the facilities of the Micro Business Loan product, building a simple business to be extraordinary is no longer a dream. So access the loan now! No need for collateral, you can pay in installments or in full, and the loan principal is up to IDR 2 billion.


Experience the Benefits of Micro Productive Loan

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Lenders Must Know! When Financing a Micro Productive Loan, you...

Mr. Rusli

As a farmer, I have been greatly helped by the financing from Investree's collaboration with eFishery. Using the capital Investree grant access to through the Kabayan (Kasih Bayar Nanti) eFishery application, it became much more convenient for me to buy feed. All I have to do is open the application, apply for a loan, disburse, and have a smooth business.

Mr. Isa Muliasih

It's superb! We use working capital from Investree that is channelled through Kabayan eFishery. At first, I made cultivation activities only as a side hustle, and then I tried to apply for a loan. It turned out to be profitable! From the beginning, I only had three ponds, but now I have seven permanent ponds.

Mr. Ita Karnita

Alhamdulillah… Thanks to the Micro Productive Loan from a collaboration between Investree and eFishery, it has become more practical to manage feed supplies and get maximum yields. Highly recommended for fellow entrepreneurs like me who need working capital.

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Contribute to Advancing Micro Enterprises
Although the sizes of MSME businesses are commonly small, MSMEs are the backbone of Indonesia's economic stability during the pandemic. Micro Productive Loan are loans given to MSMEs who need funding. By funding this loan, you are contributing to developing their business.
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Collaboration with Partner Platforms Make Risks More Measurable
Investree Borrowers, which are micro-entrepreneurs, are supported by trusted partners. Submissions to loan repayments are monitored directly by Investree and partners. We make sure your funding is more risk-measurable.
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Faster Funding, 100% Online
With a relatively smaller loan amount according to micro-enterprises needs, your funding will be processed faster. The process is also easy, 100% online via a mobile application.
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Take Part Helping the Indonesian Economy
In every successful funding, one in 65 million micro-enterprises is helped and it will directly contribute to a positive effect on the Indonesian economy.

Risk Grades in Investree

A+
Grade
Very Low
For Lender
Yields*

12% p.a

For Borrower
Interest per annum*

13% p.a

A
Grade
Low
For Lender
Yields*

13% - 14% p.a

For Borrower
Interest per annum*

14% - 15% p.a

B
Grade
Medium
For Lender
Yields*

15% - 16% p.a

For Borrower
Interest per annum*

16% - 17% p.a

C
Grade
High
For Lender
Yields*

17% - 18% p.a

For Borrower
Interest per annum*

18% - 19% p.a

C-
Grade
Very High
For Lender
Yields*

19% - 20% p.a

For Borrower
Interest per annum*

20% - 21% p.a

*) The yield column is the rate of return that will be obtained by the Lender. While the interest column per annum is the interest rate that will be obtained by the Borrower. The Borrower's interest rate is 1% higher because it includes Administrative Fees charged to the Borrower, and does not affect the rate of return that will be obtained by the Lender.

Our Partner

Borrowers who register and apply for Investree Micro Productive Loans are housed by partner platforms. Borrowers who intend to apply for a Micro Business Loan must register through a partner and cannot apply directly as in other Investree loan products.


Address

AIA Central 21st Floor, Jalan Jend. Sudirman Kav. 48A, RT05/RW04, Karet Semanggi, Jakarta Selatan, Indonesia 12930

Address

AIA Central 21st Floor, Jalan Jend. Sudirman Kav. 48A, RT05/RW04, Karet Semanggi, Jakarta Selatan, Indonesia 12930

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RISK   DISCLAIMER:
  1. Information Technology-Based Lending Services is a private agreement between the Lender and the Borrower, therefore any risks arising from such agreement shall be fully borne by the respective parties.
  2. Any credit risks or default in payment shall be fully borne by the Lender. No institution or state authorities are liable for such risks of default.
  3. The administrator under the approval of each User (the Lender and/or the Borrower) will access, obtain, store, manage and/or use the User’s personal data (“Data Processing”) on or within the object, electronic devices (including smartphone or cellphone), hardware and software, electronic documents, apps or electronic system of the User or controlled by the User, by notifying the objective, limit and mechanism of such Data Processing to the relevant User before acquiring the consent as mentioned.
  4. The Lender with no knowledge and experiences in lending activities is not recommended to use this service.
  5. The Borrower must consider the interest rate for the loan and other fees and whether it is within its capacity to repay.
  6. Any fraud shall be digitally recorded in the cyberspace and can be known on social media.
  7. The user must read and understand these information before making a decision to become a Lender or Borrower.
  8. The government, which in this case is the Financial Services Authority, shall not be liable for any breach or non-compliance by the User, as Lender or Borrower (whether it is due to willful misconduct or the negligence of the User) to the prevailing regulations or agreement or engagement between the Administrator and the Lender and/or Borrower.
  9. Any lending transactions and activities or performance of the lending agreement between or involving the Administrator, the Lender and/or Borrower shall be conducted through escrow accounts and virtual accounts as required by the Financial Services Authority Regulation Number 77/POJK.01/2016 pertaining to Information Technology-Based Lending Services and any violation or non-compliance to such regulation shall be an evidence of the violation of the law by the Administrator, thus the Administrator is required to bear damages suffered by the respective User as direct consequences of the abovementioned violation of the law, without prejudice to the rights of the User who suffered such damages as provided in the Indonesian Civil Code.
  10. PT Investree Radhika Jaya (Company) is a legal entity incorporated in accordance with the Laws of the Republic of Indonesia. Established as a company regulated and supervised by the Financial Services Authority (OJK) in Indonesia, the Company provides interfacing services in a liaising capacity between those parties providing loans and those in need of loans, encompassing funding by individuals, organizations, or legal entities to certain individuals or legal entities. The Company does not provide any advice or funding recommendations regarding the options in this site.
  11. The content and materials available on the investree.id website are intended to provide information and shall not be considered as constituting an offer, solicitation, invitation, suggestion or recommendation to invest in securities, capital market products or other financial services. In rendering these services, the company is limited to administrative functions.
  12. Funding and loans placed in an Investree account are not and shall not be construed as deposits held by the Company as stipulated under Indonesian Banking Regulations. Neither the Company nor any of its Directors, Officers, Employees, Representatives, Affiliates or Agents shall bear liability with respect to any disruption or problem that occurs or is deemed to occur due to the lack of preparation or publication of the material listed on the Company's website.

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