Productive Financing Flows into the Real Sector

PT Mekar Investama Teknologi (MEKAR) is strengthening ecosystem-based productive financing. Its focus is on the agriculture, MSME, food, and renewable energy sectors. This model is developed through the MEKAR Ecosystem, which connects financing with business mentoring, monitoring technology, market access, and value chain partnerships. This approach ensures financing does not stop at capital disbursement. MEKAR positions it as an instrument to increase productivity and business sustainability. Chief Executive Officer of PT Mekar Investama Teknologi, Pandu Aditya Kristy, said the financial sector needs to move beyond just financing. “We believe that the future of the financial sector does not stop at financing. By connecting capital to the agriculture sector, waste-to-energy, and various other productive sectors through the MEKAR Ecosystem, we want to create a real impact for the community while supporting sustainable economic growth,” said Pandu on Monday (29/6). One of the main pillars of the MEKAR Ecosystem is Multi Micro Agriculture Financing (MMAF). This model combines productive financing with agronomy mentoring, satellite-based land monitoring, market access, and agricultural partnerships. Through MMAF, MEKAR connects capital directly with farmers’ production activities. This model is designed to improve the quality of financing. In addition, MMAF also helps farmers optimise land and maintain income sustainability. MEKAR is also expanding financing to the MSME and waste-to-energy sectors. The company stated that more than 80 per cent of its financing recipients are MSMEs run by women. In the waste-to-energy sector, MEKAR supports the processing of agricultural waste and wood waste. The waste is processed into renewable energy with added value. This ecosystem-based financing approach has received international recognition. MEKAR won three awards at the FinanceAsia Awards 2026 and the WRISE Volare Awards 2026. At the FinanceAsia Awards 2026, MEKAR won the award for Winner - Best Strategic Initiative - Nonbank Financial Institutions Indonesia. MEKAR also received the Highly Commended predicate for Biggest Sustainable Impact - Nonbank Financial Institutions Indonesia. On the same day, MEKAR won the Best Environmental, Social, and Governance Ecosystem Platform award at the WRISE Volare Awards 2026. “This award reflects MEKAR’s commitment to redefining productive financing through creating real impact for the community,” said Pandu. Going forward, MEKAR will expand the implementation of MMAF. The company will also strengthen strategic partnerships and utilise technology for the development of sustainable finance in Indonesia.