Founder & CEO of PT Amartha Financial Group (Amartha) Andi Taufan Garuda Putra stated that 60 percent of the 3.7 million MSMEs partners who received business capital from his party came from outside the Java region.
He said that the company had disbursed financing of IDR 37 trillion from 2010 to 2025 to MSMEs spread across 50 thousand villages throughout Indonesia.
The customers of the fintech lending platform are recorded to come from various business sectors, including the trade sector (53 percent), the agricultural sector (23 percent), the livestock sector (9 percent), the service sector (6 percent), and the household and other industries (7 percent).
He said that diversifying the financing portfolio in various business sectors also reflected the company's efforts to maintain good governance and risk management.
Regarding the company's performance throughout 2025, Taufan said that his party channeled financing worth Rp. 13.2 trillion.
"Amartha's growth last year was double-digit year-on-year (yoy), 20 percent plus, and NPL (Non-Performing Loan/bad loans) was maintained at around 4 percent," he said, quoting Antara.
He stated that this growth was thanks to the company's innovation which not only focuses on the distribution of working capital, but also expands the reach of financial technology (fintech) services through the AmarthaFin application which has more than 1 million users last year.
In addition, the company is also developing the Online Bank Payment Point (PPOB) service through AmarthaLink which has reached 50 thousand partners, micro investment products which are followed by 130 thousand partners, and zakat distribution facilities as an effort to increase the inclusiveness of the Amartha financial ecosystem.
The development of various financial products and services is designed based on a deep understanding of the needs and challenges faced by grassroots MSMEs, especially in rural areas.
"The combination of understanding the market, relevant products, governance, and partnerships with global institutions, is the foundation for Amartha to continue to grow sustainably," said Andi Taufan Garuda Putra.
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