What Jurnal.id does

Mekari Jurnal (Jurnal.id) is a cloud-based integrated accounting and business operations SaaS platform serving Indonesian small, medium, and large enterprises, operated by PT Mid Solusi Nusantara as part of the broader Mekari business software ecosystem. The platform combines core accounting (automated bookkeeping, financial reporting, multi-currency support, bank reconciliation) with supply chain and ERP capabilities (inventory, multi-warehouse, fulfillment, production with bill-of-materials and work orders, landed cost, batch and serial tracking). Three pricing tiers — Essentials (Rp 359,100/month annual), Plus (Rp 629,300/month annual), and Jurnal ERP (quote-based) — are complemented by an extensive add-on module catalog (Custom Report, Custom Field, Landed Cost, Progress Invoice, Production Module, Fulfillment Module, Advanced Stock Tracking, Advanced Warehouse Management, Custom Invoice Template, additional user seats, API/Webhook quota) and bundled integrations with sibling Mekari products covering tax (Klikpajak), expense management (Expense), POS and omnichannel commerce (Desty), HR and payroll (Talenta), CRM (Qontak), digital signature and e-Meterai (Sign), financing (Capital), and low-code customization (Officeless). An AI assistant branded Airene provides financial report analysis, trend and margin insights, anomaly detection in bank reconciliation, and a free AI Invoice Generator tool.

The company serves over 35,000 Indonesian businesses across 15+ verticals — including retail, manufacturing, F&B, trading and distribution, professional services, technology, real sector (oil, gas, energy), healthcare, hospitality, mining, logistics, and construction — through a hybrid go-to-market combining direct field sales for enterprise, WhatsApp-based inside sales, self-serve product-led growth (free trials and free tools), a multi-tier consultant and referral partner channel, and cross-sell from the parent Mekari ecosystem. The platform holds ISO/IEC 27001 certification (BSI), Komdigi PSE registration, and Bank Indonesia payment-service recognition. Operations are domestic Indonesia, with headquarters in Jakarta and regional offices in Surabaya, Bandung, and Medan.

Revenue mechanics combine tiered subscription (the largest contributor), à-la-carte add-on modules, consultant-bundled services (Rp 2-4 million/month tiers), ecosystem cross-sell across Mekari products, and a recently introduced financing revenue stream via Mekari Capital (invoice financing up to Rp 2 billion at 1.5% monthly interest; revolving financing up to Rp 1 billion at 1.75-2% monthly interest). Founded in 2015 and headquartered in Indonesia with 251-500 employees, the company has been funded in earlier rounds by East Ventures, Mandiri Capital Indonesia, Google Launchpad Accelerator, Pegasus Tech Ventures, Prasetia Dwidharma, and Analog Capital.

Name

Jurnal.id

Legal name

PT Mid Solusi Nusantara

Website

https://jurnal.id

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

251–500 employees

Short description

Mekari Jurnal (Jurnal.id) is an Indonesia-based cloud accounting and ERP SaaS platform serving 35,000+ SMBs and enterprises across 15+ verticals, with tiered pricing, an AI analytics assistant (Airene), and deep integration into the broader Mekari business software ecosystem.

Ownership category

akta.pro rank

Headquarters

HQ city

Pinggirrawa Barat

HQ country

Indonesia

HQ region

Asia

Offices4 records

Markets served

GTM type

B2B

Offering type

Software

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. SaaS Subscription (Software as a Service): Mekari Jurnal generates the majority of revenue through tiered SaaS subscription plans (Essentials, Plus, Jurnal ERP) billed annually or quarterly. Each plan includes bundled features with upsell opportunities through add-on modules. Pricing ranges from Rp 359,100/month (Essentials discounted) to Rp 899,000/month (Plus standard) with Jurnal ERP quote-based. Annual billing offers significant discounts (10-30%). Add-on modules (Custom Report, Custom Field, API quota, etc.) are charged separately, and additional user seats are priced per user.
2. Bundled Ecosystem Products (Cross-sell): Revenue is generated through bundling and cross-selling other Mekari ecosystem products: Mekari Klikpajak (tax), Mekari Expense, Mekari Desty (POS/Omnichannel), Mekari Talenta (HR/Payroll), Mekari Qontak (CRM), Mekari Sign (e-signature), Mekari Officeless (low-code), and Mekari Capital (financing). These are sold as add-ons or bundles alongside the core Jurnal subscription, creating a land-and-expand revenue motion within the existing customer base.
3. Consultant Partner Program (Professional Services): Mekari Jurnal partners with certified consulting firms who provide bundled services (business consultation + Jurnal software) to SMB clients. Pricing tiers for bundled consultant services range from Rp 2 million/month (Small) to Rp 4 million/month (Enterprise), with revenue shared or retained by partners. Services include monthly reconciliation, financial report review, cash flow reports, balance sheets, and non-audit financial statements.
4. Mekari Capital Financing Services: Mekari Capital provides invoice financing (up to Rp 2 billion at 1.5% monthly interest) and revolving financing (up to Rp 1 billion at 1.75-2% monthly interest) to Jurnal users. While this is primarily a financing product, it creates stickiness within the Jurnal ecosystem and generates fee income for Mekari.

Pricing tiers

Go-to-market motion3 records

Distribution channels8 records

Marketing channels17 records

Core offering

Mekari Jurnal is a cloud-based integrated accounting and business operations SaaS platform serving Indonesian small, medium, and enterprise businesses. It delivers automated bookkeeping, real-time financial reporting, invoicing, multi-currency transactions, inventory and supply chain management, production/ERP capabilities, and AI-powered financial analytics through tiered subscriptions (Essentials, Plus, Jurnal ERP). The platform is tightly integrated with the broader Mekari ecosystem covering tax, expense, POS/omnichannel, HR/payroll, CRM, e-signature, and business financing.

Product overview

Mekari Jurnal is a cloud-based integrated accounting and business operations platform designed for Indonesian SMEs and enterprises. The product family consists of three core pricing tiers — Essentials (Rp 359,100/month), Plus (Rp 629,300/month), and Jurnal ERP (custom pricing) — plus an extensive library of add-on modules including Custom Report, Custom Field, Landed Cost, Progress Invoice, Advanced Business Reports, Production Module, Fulfillment Module, Advanced Stock Tracking, Advanced Warehouse Management, Custom Invoice Template, User Account seats, and Jurnal API & Webhook. The platform is tightly integrated with the broader Mekari ecosystem of bundled products: Mekari Klikpajak (tax), Mekari Expense (expense management), Mekari Desty Omnichannel/POS (commerce), Mekari Talenta (HR/payroll), Mekari Qontak (CRM), Mekari Sign (digital signatures), Mekari Capital (business financing), and Mekari Officeless (low-code customization). Core built-in capabilities include Jurnal Pay (payment gateway), Cashlink (bank reconciliation), User Management, Airene (AI analytics), and a mobile app for iOS/Android. Additionally, Jurnal provides free standalone tools (AI Invoice Generator, Bill of Material Generator, Landed Cost Calculator, Invoice Generator, Accounting Dictionary) and Mekari University for certified training.

Differentiator

Problem solved

Functional benefit

Brands

• Jurnal Pay: Payment solution that enables faster receipt of payments through virtual accounts, credit cards, and various payment methods integrated within the Jurnal ecosystem.
• Mekari Capital
• Mekari Klikpajak

Products and services

• Mekari Jurnal Cloud-based integrated accounting and business operations platform for Indonesian SMEs and enterprises, offering automated bookkeeping, financial reporting, inventory management, invoicing, multi-currency support, and AI-powered analytics.
• Mekari Jurnal Essentials Entry-level accounting and supply chain package for small to medium businesses including 40+ financial reports, online invoicing, product tracking, POS/API integration, Mekari Pay, and AI-powered features.
• Mekari Jurnal Plus Mid-tier package for growing businesses adding product variants, multi-warehouse management, multi-currency transactions (>20 currencies), financial consolidation, multi-layer approval workflows, price rules, and automated monthly P&L reports.
• Mekari Jurnal ERP Comprehensive end-to-end ERP package for medium-to-large enterprises including production module (BOM, work orders, routing, WIP tracking), assembly/disassembly, multilevel BOM, landed cost, batch/serial number inventory tracking, fulfillment management, custom dashboard/report builder, AI reconciliation, and unlimited Airene AI queries.
• Jurnal Pay Built-in payment gateway supporting Virtual Account (bank transfer), QRIS, and credit card payments integrated with Jurnal invoicing for automatic payment reconciliation, real-time status updates, and automatic fund disbursement.
• Cashlink Automated bank reconciliation feature connecting Jurnal with bank accounts for one-click matching of transactions against bank statements, with automatic journal posting for matched transactions. Supports Bank Mandiri via Cashlink Transfer.
• Airene (AI Assistant) AI-powered financial analysis assistant integrated within Mekari Jurnal, providing real-time insights, trend analysis, margin analysis, and strategic recommendations from financial reports.
• Mekari Capital In-app business financing solution offering Invoice Financing (up to Rp 2 billion using outstanding invoices as collateral) and Revolving Financing (up to Rp 1 billion without collateral) to Jurnal users.
• Mekari Klikpajak (Tax Management Integration) Bundled tax management integration for automated PPN, PPh, e-Bupot, e-Faktur, e-Filing, and e-Billing directly from Jurnal transactions with real-time synchronization and Indonesian regulatory compliance.
• Mekari Talenta (HR/Payroll Integration) Bundled HCM platform for HR administration, automated payroll processing, attendance management, KPI tracking, and digital payslip distribution with automatic payroll posting to Mekari Jurnal.
• Mekari Sign (Digital Signature Integration)

Quantifiable outcome

• 83% consumer growth in one year for Charged Asia
• +15 more outcomes

Named customers17 records

Segments15 records

Ideal customer profiles3 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Integration11 records

AI capability6 records

Feature9 records

Partnerships

20 partnerships are on record, tiered core and supporting.

• Mekari TalentacoreTechnology or IntegrationMekari Talenta is an HR and payroll software within the same Mekari ecosystem. Mekari Jurnal integrates with Talenta for automated payroll journal entries, employee data synchronization, and HR/accounting workflow integration. Available as a bundled add-on for Jurnal ERP customers and as a cross-sell to all Jurnal users.
• Mekari QontakcoreTechnology or IntegrationMekari Qontak is an omnichannel CRM and customer communication platform within the Mekari ecosystem. Jurnal integrates with Qontak for customer data sharing and integrated customer lifecycle management. Available as a bundled add-on for Jurnal ERP customers.
• Mekari SigncoreTechnology or IntegrationMekari Sign provides digital signature and e-Meterai (electronic duty stamp) services certified by Peruri (Indonesia's state-owned enterprise). Jurnal integrates with Sign for digital signing of invoices, purchase orders, and contracts. Available as a bundled add-on for Jurnal ERP customers.
• Mekari ExpensecoreTechnology or IntegrationMekari Expense is a business expense management platform handling reimbursement, corporate cards, and procurement workflows. Jurnal integrates with Expense for real-time expense data synchronization and automatic journal entries. Available as a bundled add-on.
• Mekari KlikpajakcoreTechnology or IntegrationMekari Klikpajak is an integrated tax management platform registered with Indonesia's tax authority (Pajak.go.id). Jurnal integrates with Klikpajak for automated VAT (PPN), income tax (PPh), e-Faktur, e-Bupot, e-Filing, and e-Billing calculations and submissions directly from Jurnal transaction data.
• Mekari DestycoreTechnology or IntegrationMekari Desty provides POS (Point of Sale) and omnichannel commerce management. Desty POS integrates with Jurnal for real-time sales transaction synchronization to accounting. Desty Omnichannel manages marketplace, e-commerce, and store operations synced to Jurnal inventory and finance. Available as bundled add-ons.
• Mekari FlexsupportingTechnology or IntegrationMekari Flex is a product within the Mekari ecosystem. Available as a bundled or integrated add-on with Mekari Jurnal for extended business management capabilities.
• Mekari PaycoreTechnology or IntegrationMekari Pay is an integrated payment platform within the Mekari ecosystem supporting virtual accounts, QRIS, and credit card payments directly from Jurnal invoices. Enables automatic fund disbursement to business accounts and integrates with Jurnal's accounts receivable management.
• Mekari CapitalcoreTechnology or IntegrationMekari Capital provides invoice financing (up to Rp 2 billion, 1.5% monthly interest) and revolving financing (up to Rp 1 billion, 1.75-2% monthly interest) to existing Mekari Jurnal users. Accessible directly through the Jurnal dashboard, with funding disbursed to Mekari Pay accounts. Requires minimum 3 months of Jurnal usage.
• Mekari OfficelesssupportingTechnology or IntegrationMekari Officeless is a low-code/no-code enterprise application builder within the Mekari ecosystem. Integrates with Jurnal for custom workflow automation, custom forms, and extended business process management beyond standard accounting.
• Bank MandiricoreTechnology or IntegrationBank Mandiri is a strategic banking partner enabling Cashlink Transfer — direct fund transfers between Bank Mandiri accounts directly within the Jurnal software, without Internet Banking or Mobile Banking. Also provides bank reconciliation integration through Cashlink for automatic transaction matching.
• Bank UOBsupportingStrategic or Co-development PartnerCollaboration between Mekari Talenta and Bank UOB for employee development programs. While primarily a Mekari Talenta partnership, it is cross-promoted on the Jurnal website under 'Program & Promosi', indicating a broader Mekari platform partnership.
• Trihill CapitalsupportingStrategic or Co-development PartnerCollaboration between Mekari and Trihill Capital to support business financing and growth. Cross-promoted on the Jurnal website as part of the Mekari financing ecosystem.
• VisasupportingStrategic or Co-development PartnerMekari x Visa collaboration to enhance customer engagement and business financial management with support from Visa's payment infrastructure. Cross-promoted on the Jurnal website under 'Program & Promosi'.
• CROZDESKsupportingChannel Partner/ Reseller/ DistributorCROZDESK is a software marketplace where Mekari Jurnal is listed as a featured accounting software option. Mekari Jurnal received Quality Choice Award and Trusted Vendor Award from CROZDESK. CROZDESK drives SMB discovery and acquisition through its marketplace listing.
• Peruri (Perum Percetakan Uang Republik Indonesia)supportingTechnology or IntegrationPeruri provides official e-Meterai (electronic duty stamp) certification used by Mekari Sign for legally binding digital signatures on Jurnal documents (invoices, contracts, purchase orders). This is an indirect partnership through Mekari Sign integration.
• Yuta ConsultingsupportingImplementation/ SI/ Consulting PartnerCertified consultant partner of Mekari Jurnal providing bundled accounting software and professional consulting services to SMB clients. Listed among 'Telah bekerja sama dengan berbagai konsultan terkemuka di Indonesia' (Have collaborated with various leading consultants in Indonesia).
• Grace ConsultsupportingImplementation/ SI/ Consulting PartnerCertified consultant partner of Mekari Jurnal providing bundled accounting software and professional consulting services. Listed as a leading consulting partner serving Indonesian businesses.
• Fanda BrainssupportingImplementation/ SI/ Consulting PartnerCertified consultant partner of Mekari Jurnal providing bundled accounting software and professional consulting services. Listed as a leading consulting partner serving Indonesian businesses.
• Proyek BetasupportingImplementation/ SI/ Consulting PartnerCertified consultant partner of Mekari Jurnal providing bundled accounting software and professional consulting services. Listed as a leading consulting partner serving Indonesian businesses.

Scale indicators21 records

Recent moves6 records

Expansion highlights7 records

Direct peers

• Accurate Online: Indonesia's leading cloud accounting software and the most direct local competitor to Mekari Jurnal, targeting the same SMB and SME segments with comparable bookkeeping, invoicing, and inventory features. The two are widely considered the two flagship Indonesian cloud accounting platforms.
• Xero: Global cloud accounting SaaS for small businesses with bank reconciliation, financial reporting, and an app ecosystem. Xero competes in Indonesia and broader SEA, providing a benchmark for global cloud accounting UX, ecosystem strategy, and SMB pricing.
• QuickBooks (Intuit): World's largest SMB accounting SaaS with bookkeeping, invoicing, expense management, and tax automation. Operates in multiple geographies and competes with Jurnal on SMB/mid-market cloud accounting, particularly in companies with cross-border operations.
• Zahir Accounting: Indonesian-origin accounting and ERP software targeting SMEs and enterprises with localized financial reporting, manufacturing, and inventory features. A direct local alternative to Jurnal's mid-market and ERP offerings.
• MYOB: Asia-Pacific-focused accounting SaaS for SMBs with bookkeeping, payroll, and tax features. Comparable to Jurnal in target customer, cloud delivery model, and emphasis on localized compliance.
• FreshBooks: Cloud accounting SaaS focused on service-based SMBs with invoicing, expense tracking, and time billing. Comparable to Jurnal's professional services and SMB tier offerings on cloud-native invoicing and bookkeeping.
• Wave Accounting: Free/freemium cloud accounting platform targeting micro and small businesses with bookkeeping, invoicing, and receipt scanning. Comparable to Jurnal's PLG self-serve funnel and SMB Essentials tier.

Broad incumbents

• Sage Business Cloud Accounting: Global incumbent in accounting and ERP software with cloud and on-premise offerings for SMB through enterprise. Sage overlaps with Jurnal's accounting functionality but serves a broader, more enterprise-leaning portfolio.
• NetSuite (Oracle): Cloud ERP suite covering financials, inventory, production, and CRM for mid-market and enterprise. NetSuite competes directly with Jurnal ERP on integrated supply chain and financial management for larger customers.
• SAP Business One: Enterprise-grade ERP for SMBs and subsidiaries of larger companies, with financials, inventory, production, and multi-currency. Competes with Jurnal ERP on the upper end of the mid-market segment, particularly with multi-entity and manufacturing features.

Market position

Strengths5 records

Weaknesses4 records

Competitive moat6 records

Key risks6 records

Key highlights7 records

Customer concentration

• Xx.com/jurnalofficial
• YouTubeyoutube.com/channel/UCdrdWmoC-o5qUPlRgQTpMtw
• Facebookfacebook.com/jurnalofficial
• LinkedInlinkedin.com/company/mekarijurnal
• Instagraminstagram.com/mekarijurnal

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles1 record

Funding overview

Funding rounds3 records

Investors6 records

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Jurnal.id