Amartha Mikro Fintek, founded in 2010 and based in Indonesia, is a microfinance technology platform dedicated to empowering rural women-led micro, small, and medium enterprises (MSMEs). The company provides digital financial services, including loans, funding, and payment solutions, aimed at enhancing financial inclusion for underserved communities. Amartha operates as a peer-to-peer lending platform, licensed and supervised by Indonesia's Financial Services Authority (OJK), and serves approximately 1.2 million rural female micro-entrepreneurs.

The company offers a comprehensive digital financial infrastructure tailored for ultra-micro and MSMEs. Its services include collateral-free microfinance loans through a cooperative group lending model, investment opportunities for funding MSMEs, and integrated digital transaction solutions. Amartha also provides additional support such as digital literacy training and business upskilling to help entrepreneurs thrive in the digital economy. By addressing the financing gap in Indonesia's MSME sector, Amartha plays a vital role in fostering job creation and inclusive growth.