# Amartha

> 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 rural micro-entrepreneurs — predominantly women running micro
> and small businesses — with affordable working capital from retail and institutional funders.

Amartha does not publish a public developer program, API reference, or machine-readable API
specification. Its business lines for partners — Institutional Investments and Embedded Lending —
are entered through a contact form rather than a published integration contract. This file was
generated by API Evangelist from Amartha's public website; it is not published by Amartha.

## Company

- [Amartha](https://amartha.com/en): Company homepage (English).
- [About Amartha](https://amartha.com/en/about-us/): Company history, brands, and leadership.
- [Impact](https://amartha.com/en/dampak-sosial): Social impact reporting for the grassroots economy.
- [Amartha Care](https://amartha.com/en/amartha-care): Community and borrower support programs.
- [Careers](https://amartha.com/en/karir): Open roles.

## Business lines (partner-facing)

- [Embedded Lending](https://amartha.com/en/bisnis/embedded-lending): Lets partner institutions,
  startups, and companies channel Amartha working-capital loans to their own users. No public
  integration reference is published; contact is via a form.
- [Institutional Investments](https://amartha.com/en/bisnis/institutional-investments): Loan
  channeling, joint financing, execution, syndicated lending, and revenue-sharing schemes for
  banks, non-bank financial institutions, and insurers. Entry point is a contact form.

## Products

- Amartha Prosper — investment product for retail and institutional lenders.
- Celengan — savings.
- Modal — group loans for micro-entrepreneurs.
- AmarthaLink — field agent network.
- AmarthaFin — mobile app for payments, transfers, and bill purchase (PPOB).
- [Amartha.org](https://amartha.org/): Social impact foundation.

## Support and policy

- [Help Center](https://faq.amartha.com/hc/en-us): Customer FAQ and support.
- [Blog](https://amartha.com/en/blog): Company and lender news.
- [Terms and Conditions](https://amartha.com/en/syarat-dan-ketentuan)
- [Privacy Policy](https://amartha.com/en/kebijakan-privasi)
- [Cookie Policy](https://amartha.com/en/kebijakan-cookie)

## API surface

None published as of 2026-08-06. Probed and found absent: `api.amartha.com`,
`developer.amartha.com`, `docs.amartha.com` (all NXDOMAIN); `/openapi.json`, `/openapi.yaml`,
`/swagger.json`, `/api-docs`, `/llms.txt` on `amartha.com` (all 404); every
`/.well-known/` path including `security.txt`, `openid-configuration`,
`oauth-authorization-server`, `api-catalog`, `agent-card.json`, and `agent.json` (all 404).

<!-- generated: 2026-08-06 -->
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<!-- source: apis.yml + probed public pages on amartha.com -->