Supported by Mentoring, PNM Mekaar Customers' Income Rises by IDR 875,000 per Month

The financing and mentoring programme run by PT Permodalan Nasional Madani (PNM) is showing tangible results in improving the welfare of ultra-micro business actors. An independent study by INDEKSTAT 2025 recorded that the net income of PNM Mekaar customers rose from IDR 2.02 million to IDR 2.90 million per month, an increase of approximately IDR 875,000 each month. In addition to the income boost, the study also showed that customers’ business development capacity increased by nearly 29 per cent. These results indicate that access to financing combined with mentoring can strengthen the capacity of ultra-micro entrepreneurs to grow 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 mentoring and character strengthening so that the community can build more sustainable businesses. According to him, this approach is expected to help underprivileged women increase their business capacity while strengthening family economic resilience. “Every financing provided must lead to an improvement in the quality of life of the customers and their families. That is why we are present not only as a financing institution, but also as an empowerment partner that assists underprivileged women to grow, become empowered, and have a better future,” Kindaris said in a written statement on Thursday (26/6/2026). PNM currently serves 23.3 million Mekaar customers, the majority of whom are underprivileged women across 36 provinces. This service is supported by 58 branch offices, more than 4,000 Mekaar service units, and over 43,000 Account Officers who provide direct mentoring to customers. Kindaris explained that most PNM customers come from groups that were previously unreachable by formal financial services or were unbankable. Therefore, empowerment cannot be achieved solely through access to financing, but must be accompanied by mentoring that can increase self-confidence, business management skills, and family economic resilience. He added that PNM will continue to expand the reach of empowerment so that more women ultra-micro entrepreneurs can increase their business scale. This step is expected to strengthen the family economy while driving economic growth in various regions.