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Indonesia

Validus 11

  • Validus
  • Invest in microfinance
  • + 794 other investors
  • Through an investment in Validus, you support 1,200+ SME businesses across Indonesia to continue their activities and grow. Most loan applicants of Validus are local distributors of essential health products. *exchange rate risk EUR/USD*. Only 1 notional payment after 12 months, interest payment after 6 and 12 months!

    €250,000
    Amount
    6.00%
    Interest
    12 months
    Maturity
    6 months
    Repayments
    USD
    Currency
    Amount€250,000
    Interest6.00%
    Maturity12 months
    Repayments6 months
    CurrencyUSD
      100%
      Fully funded in 38 days on 25 September 2023.

      The project

      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.

      Company nameValidus
      CEONikhilesh Goel
      Founded2015-01-01
      LocationSingapore
      SectorWholesale / Retail
      Turnover$2,500,000
      Employees297
      Credit scoreB+

      Impact

      Validus aspires to improve the lives of everyone involved with the SMEs they serve, including their customers, employees, employees’ families, not to mention the business owners themselves. Since 2015, the digital lending platform has financed over $1 billion to SMEs across Singapore, Indonesia and Vietnam. Entrepreneurs in Southeast Asia face a huge funding gap. In Indonesia alone, SMEs are looking for $160 billion to be able to grow their businesses. By offering them financial services, Validus provides much needed funding in the region and contributes to financial inclusion in Southeast Asia. 

      So far, SMEs who receive financing through Validus have been able to grow the number of jobs by 12% on average. Clients supported by Validus’ funding grew their revenues by an average of 17% compared to the average SME growth rate of 5%.

       

      SDGs impacted

      With this project you are contributing to the following Sustainable Development Goals:

      SDG 1 - No poverty

      SDG 8 - Decent work and economic growth

      Read more about the impact you can make through our platform and the SDGs on our impact page.


       

      Related blog posts

      Learn more about Validus in their introduction blog post here.

      • With this investment 30 jobs are created
      • With this investment 1200 lives are improved

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      We have already contributed to Validus 11

      Ron van Eijk
      Marc Sierink
      Kristof Gilleman
      Jérome SERANT
      Olaf Janssen
      + and another
      794
      investors