Supported by Mentoring, PNM Mekaar Customers' Income Rises by IDR 875,000 per Month
The financing and mentorship programme implemented by PT Permodalan Nasional Madani (PNM) is considered to be having an impact on improving the welfare of ultra-micro entrepreneurs. An independent study by INDEKSTAT 2025 noted that the net income of PNM Mekaar customers increased from Rp2.02 million to Rp2.90 million per month, an increase of approximately Rp875,000 every month.
In addition to the increase in income, the study also showed that customers’ business development capability increased by almost 29 per cent. These results indicate that access to financing, accompanied by mentorship, is able to strengthen the capacity of ultra-micro entrepreneurs to expand their businesses.
PNM President Director, Kindaris, stated that the success of the empowerment programme is not only measured by the amount of financing disbursed, but also by the changes experienced by customers and their families. Therefore, PNM combines financing with business mentorship and character building to ensure that the community can build more sustainable businesses.
According to her, this approach is expected to help underprivileged women increase their business capacity while simultaneously strengthening family economic resilience.
“Every financing provided must result in an improvement in the quality of life for customers and their families. Therefore, we do not only act as a financing institution, but also as an empowerment partner that accompanies underprivileged women to grow, become empowered, and have a better future,” Kindaris said in a written statement on Thursday (26/6/2026).
Currently, PNM serves 23.3 million Mekaar customers, the majority of whom are underprivileged women across 36 provinces. These services are supported by 58 branch offices, more than 4,000 Mekaar service units, and over 43,000 Account Officers who provide direct assistance to customers.
Kindaris explained that most PNM customers come from community groups that were previously unreached by formal financial services or were unbankable. Consequently, empowerment is deemed insufficient through access to financing alone; it must be accompanied by mentorship capable of increasing confidence, business management skills, and family economic resilience.
She added that PNM will continue to expand its empowerment reach so that more ultra-micro women entrepreneurs are able to scale up their businesses. This step is expected to strengthen family economies while driving community economic growth in various regions.