The project

Please note: 1st and only notional payment after 12 months. Interest payment after 6 and 12 months. 

Lie's distribution company, PT Rukun Mitra Sejati, clearly demonstrates the effectiveness of financial institution Validus' approach. After receiving a loan, he significantly expanded his business. New branches were established across Indonesia, even in areas that were previously hard to reach. This expansion not only created more jobs but also made essential consumer goods accessible to the population. To date, Lie's company has created over 2,400 jobs. This highlights the importance of small and medium-sized enterprises (SMEs) in boosting local employment. Moreover, it proves that financial support from Validus can stimulate growth for both businesses and communities.

Validus, a subsidiary of Batumbu, plays a vital role in the Indonesian financial sector by financing small and medium-sized businesses. Their impact extends beyond mere financial assistance; they also contribute to societal development and economic growth by supporting businesses across various sectors.

What social return could your investment make?

Validus is a powerful financial institution that makes a significant social impact. By providing essential financing to over 424 SME distributors across 26 provinces in Indonesia, Validus enables the delivery of vital products to the local communities. The distributors operate in key sectors such as FMCG, pharmaceutical, and manufacturing, enhancing access to health and well-being for households across urban and rural areas. Moreover, the loan-driven supply chains created by Validus facilitate the jobs of over 500 delivery partners, further driving economic growth and local employment opportunities. Till now, SMEs that get financing through Validus have managed to boost their job numbers by an average of 12%. Clients who received support from Validus' funding witnessed revenue growth of 17%, outshining the average SME growth rate of 5%.

Investing in this project contributes to the improvement of livelihoods and the overall development of communities in Indonesia. With Validus (and its subsidiary Batumbu), your investment can foster social progress, creating a positive ripple effect that reaches far beyond financial returns.

What financial return could your investment generate? 

• Annual interest rate 6%.
• The maturity of the loan is 12 months.
• Bullet loan: the first and only repayment of your investment will be made after 12 months. Interest payments happen after 6 months and 12 months. 
• With an investment of 1,000 euros, your expected total repayment would be 1,060 euros.
• Please consider that although you invest in EUR, the loan is in USD, so there is a risk of exchange rate fluctuations between dollars and euros. For more information on potential exchange rate risks, please visit our currency page.

The story of Validus

Since Validus’ achievement of OJK registration* in 2018 and full license thereafter, the digital lending platform has risen to a leading position in terms of monthly financing to SMEs. By solely concentrating on the productive sector, Validus has effectively facilitated over $950 million in loans to date for micro and small enterprises.

Validus partners with large corporates in the ASEAN region to finance their supplier and distributor transactions using data-driven underwriting methodologies. They leverage vast pools of live, alternative data including historical lending, contract, and purchasing information to allow them to offer financing to SMEs and micro enterprises who cannot access a traditional loan through a bank. Their extensive experience in this space has allowed them to offer a diverse range of short-term, microloans. As a Group, they have financed over $2 billion in loans, across four markets, and service a loan book of over $170 million and 2,700+ active SME borrowers. 

*OJK is an independent Institution with the authority to regulate, supervise, examine, and investigate the Financial Services sector in Indonesia.

Validus in numbers

• Founded in 2015
• 297 employees
• More than 2,700 active SME borrowers