aid: amartha
name: Amartha
description: 'Amartha (PT Amartha Mikro Fintek, operating as Amartha Financial Group)
  is an Indonesian technology company founded in 2010 that builds digital financial
  infrastructure for the grassroots economy, connecting micro-entrepreneurs — predominantly
  women running micro and small businesses in rural villages — with affordable working
  capital from retail and institutional funders. Its consumer and agent brands include
  Amartha Prosper (investment), Celengan (savings), Modal (group loans), AmarthaLink
  (agent network) and the AmarthaFin mobile app for payments and bill purchase, alongside
  two business lines — Institutional Investments and Embedded Lending — that let banks,
  non-bank financial institutions, insurers and technology partners channel loans to
  Amartha borrowers. The company is headquartered at Amartha Village in South Jakarta,
  and runs its social impact programs through Amartha.org.'
image: https://amartha.com/logo.svg
url: https://raw.githubusercontent.com/api-evangelist/amartha/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.23'
created: '2026-08-06'
modified: '2026-08-06'
tags:
- Company
- Financial Services
- Fintech
- Lending
- Microfinance
- Peer to Peer Lending
- Financial Inclusion
- Payments
- Indonesia
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/amartha-domain-security.yml
- type: Website
  url: https://amartha.com/en
- type: About
  url: https://amartha.com/en/about-us/
- type: Blog
  url: https://amartha.com/en/blog
- type: HelpCenter
  url: https://faq.amartha.com/hc/en-us
- type: TermsOfService
  url: https://amartha.com/en/syarat-dan-ketentuan
- type: PrivacyPolicy
  url: https://amartha.com/en/kebijakan-privasi
- type: Careers
  url: https://amartha.com/en/karir
- type: LLMsTxt
  url: llms/amartha-llms.txt
x-enrichment:
  date: '2026-08-06'
  status: minimal
  artifacts_added: 2
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: >-
    Amartha markets Embedded Lending and Institutional Investments to partner banks,
    insurers and technology companies, but neither product page publishes an integration
    reference — both route to an amartha.typeform.com contact form, and api./developer./docs.amartha.com
    do not resolve at all.
  evidence:
  - url: https://amartha.com/en/bisnis/embedded-lending
    status: 200
  - url: https://amartha.typeform.com/loan-channeling
    status: 200
  - url: https://amartha.com/openapi.json
    status: 404
  - url: https://amartha.com/.well-known/api-catalog
    status: 404
  checked: '2026-08-06'