The project

Eka’s business, PT Surya Eka Putra, is named after her husband, herself, and her son. Their family business is one of the main distributors of medicines across East Java in Indonesia, selling and distributing goods to wholesalers and retail outlets. Eka took over the company from her mother, who started it in 1980. With the entrepreneurial spirit of her mother and financing through Validus, she expanded the business and carried on her mother's legacy. Soon after receiving the loan, her business was chosen as the exclusive distributor of medicines for East Java. Investing in businesses like Eka’s presents an exciting opportunity to join their growth journey.

Will you enable 1,200 entrepreneurs like Eka to expand their businesses as well? 

What social return could your investment make?

Validus (a subsidiary of Batumbu) is a powerful financial institution that makes a significant social impact. By providing essential financing to over 1,200 SME distributors across 26 provinces in Indonesia, Validus enables the delivery of vital products to the local communities. Distributors like Surya Eka Putra, 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 has the power to foster social progress, creating a positive ripple effect that reaches far beyond financial returns.

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

USD risk

Check the interest rate and maturity Validus offers you as an investor at the top of this page. For more information about possible exchange rate risks, visit our currency page.