Validus 30

Validus

Company

Indonesia

Country

The project

In Indonesia, the economy relies heavily on small and medium-sized enterprises. These businesses provide everyday products and services and account for a large share of employment. Yet fast and affordable financing remains difficult for many entrepreneurs. Validus changes that. Their loans give SMEs the space to grow, improve their cash flow and create more jobs.

Nelly shows what this looks like in practice. More than 25 years ago, she started her distribution company in South Jakarta. Together with her team, she supplies non-alcoholic drinks and mineral water to small traders, who then sell the products to neighborhood shops across the city.

In 2024, Nelly received financing through Validus. With this loan, she paid her suppliers immediately and purchased extra stock. As a result, she sold more to small traders and increased her revenue. This created new jobs within her business: her team grew from 20 to 50 employees. She now aims to open an additional outlet so she can offer even more people a steady income.

Your investment enables entrepreneurs like Nelly to continue growing their businesses and create opportunities for their communities.

Validus on Lendahand

• Active on Lendahand since: July 2022
• Total raised: €4,304,921
• Already repaid: €3,384,249
• Interest disbursed: €170,659
• Payments on time: 25 out of 25 (100%)

Your investment

• Annual interest rate: 6,5%
• With an investment of €1,000, the expected total repayment is €1,065.
• Maturity: 12 months
• Grace period: 12 months. You will receive the full repayment after 12 months. Interest is paid after 6 and 12 months.
• Currency: Dollar. Please note that although you invest in euros, the loan is in dollars, so there is a risk of exchange rate fluctuations between dollars and euros. Visit our page on exchange rate risks for more information.