Sri Wahyuningsih, a mother of three from Lampung and PNM Mekaar\ncustomer, shared her transformation: \u201cPreviously, the children would\nshare one egg among three of them. A child could not take exams because\nschool fees had not been paid. Now we can send them to school and eat\nsufficiently,\u201d she said.<\/p>\n
Sri and Tati Mulyati recounted their stories during a discussion\ntitled \u201cLantern of Empowerment, When Small Businesses Become Great\nLight\u201d at PT Permodalan Nasional Madani (PNM) headquarters in Jakarta on\nWednesday, 11 March 2026.<\/p>\n
Sri\u2019s family life took a turn for the better when she received a\nbusiness loan from PNM in 2022. She launched a basreng snack business\nwith Rp3 million in capital from PNM. Gradually but steadily, her\nbusiness grew. Today, Sri is not only a PNM customer but also the head\nof a PNM Mekaar business group, helping guide group members in\ndeveloping their enterprises. Her success brought her to Jakarta with\ntwo of her children to share her story. \u201cThis is my first time flying\nand coming to Jakarta,\u201d she said happily.<\/p>\n
Economic hardship struck Tati, who had to live as a single parent to\nthree children. The woman from North Sumedang in West Java eventually\nreceived an offer of Rp3 million in capital from PNM. Encouraged by her\nchildren, Tati established a general store. \u201cAt first, I used a table in\nfront of my house, buying goods little by little. Then I started buying\na small display case, increased stock, and thank goodness, now I have\nplenty of goods,\u201d she explained.<\/p>\n
As her store developed, PNM\u2019s financing ceiling continued to\nincrease, now reaching Rp12.5 million. \u201cThe first time, I was worried\nwhether I could pay the instalments. But my motivation was to support my\nchildren,\u201d Tati said. Like Sri, Tati is now the head of a PNM Mekaar\nbusiness group. \u201cThank goodness, with PNM\u2019s assistance I am where I am\nnow and was even sent on a pilgrimage to Mecca,\u201d she said, wiping away\ntears of emotion.<\/p>\n
PNM Mekaar has served 22.9 million customers to date. As of\nyesterday, there are 16 million active customers spread across various\nregions throughout Indonesia.<\/p>\n
Dodot Patria Ary, PNM Corporate Secretary, stated that the PNM Mekaar\nprogramme targets women from low-income families. \u201cThe character of\nMekaar customers is that they struggle to eat daily or send their\nchildren to school. Their maximum loan ceiling is between Rp2-5\nmillion,\u201d said Dodot.<\/p>\n
This does not mean that PNM customers have not entered the small or\neven medium enterprise class. Dodot cited the example of a customer in\nBali who has managed to export fish scale leather. \u201cSome have already\nobtained bank loans but still want to stay with PNM Mekaar, even though\nthey only receive a Rp15 million ceiling,\u201d Dodot explained.<\/p>\n
Dodot assured that customers who have \u201cmoved up\u201d to become bankable\nor able to obtain bank loans do not hinder PNM\u2019s expansion of outreach,\nparticularly in underdeveloped, frontier, and remote (3T) areas.<\/p>\n
Unlike typical loan facilities, PNM does not impose late payment\npenalties and does not apply compound interest.<\/p>\n
At three in the morning, when many young people are still asleep,\nJeni Adilasari has already started her day at a modest home in\nBojonegoro.<\/p>\n
PNM Chief Executive, Arief Mulyadi, presented this youth\u2019s dedication\nas a tangible expression of the spirit of empowerment.<\/p>\n
To commemorate Indonesia\u2019s 80th independence anniversary, PT\nPermodalan Nasional Madani (PNM) held a colouring competition\nparticipated in by children of PNM Mekaar customers in Frontier, Remote\nand Underdeveloped areas.<\/p>\n
The ultra-micro, micro, small and medium enterprise (UMKM) sector\nrequires a healthy ecosystem to move up market and drive national\neconomic growth.<\/p>\n
Through financing and mentoring from PNM Mekaar, Rofiah successfully\ndeveloped her family\u2019s traditional herbal medicine business into a more\nmodern and competitive venture.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/pnm-mekaar-customers-now-able-to-eat-sufficiently-1773233608", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }