What Esta Dana Ventura does

PT Esta Dana Ventura (EDV) is an Indonesian non-bank financial institution (Lembaga Keuangan Non-Bank) licensed and supervised by the Otoritas Jasa Keuangan (OJK) under license KEP-8/D.05/2015, founded in 2015 and headquartered in the Greater Jakarta area (Tangerang/Tangerang Selatan). The company provides productive business loans to micro, small, and medium enterprises (UMKM), with a primary focus on women entrepreneurs from pre-prosperous families who lack access to formal banking services. Its product portfolio consists of two core lines: UKM (collateralized loans secured by vehicle BPKB registration documents, with loan amounts ranging from Rp 4-25 million) and MIKRO (uncollateralized micro loans disbursed through either group-based "Pinjaman Bersama" schemes requiring minimum 10 members or individual "Pinjaman Mandiri" applications, with loan sizes of Rp 1.5-5 million and interest rates of 1.3% per week or 3-4% per month).

The company's go-to-market is community-led: borrowers are organized into groups of at least 10 members who receive financing collectively, leveraging peer accountability for repayment. Distribution is anchored by a physical branch network of 200-231 offices across 40 regions in Indonesia, supplemented by WhatsApp Business for remote acquisition and an e-commerce payment rail (Shopee, Alfamart/Alfamidi, Indomaret) for loan repayments. Auxiliary services include the "Kelas Esta" financial literacy program, smartphone distribution under the #JualanSampaiKeUjungNegeri initiative to digitize debtors, and partnerships with government programs (BPUM, BPJS Ketenagakerjaan) for social protection and aid distribution. Per 2022 investor disclosures, EDV serves 280,058+ members, employed approximately 3,000 staff, generated Rp 486.192 billion in net revenue and Rp 23.387 billion in net profit, and held Rp 138.498 billion in equity.

Name

Esta Dana Ventura

Legal name

PT Esta Dana Ventura

Website

https://estadanaventura.co.id

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

5,001–10,000 employees

Short description

Esta Dana Ventura is an OJK-licensed Indonesian non-bank financial institution that provides group-based micro loans and BPKB-collateralized SME financing to underserved women entrepreneurs and small businesses through a network of over 200 branches across Indonesia.

Ownership category

akta.pro rank

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices10 records

Markets served

GTM type

B2B

Offering type

Services

Revenue model

1. Micro Business Loans: Esta Dana Ventura provides productive business loans to micro, small, and medium enterprises (UMKM). The company earns revenue through interest on loans provided to borrowers, with interest rates ranging from 1.3% per week to 3-4% per month. Loan products include collateralized loans (BPKB Motor and BPKB Mobil) and uncollateralized group loans (Pinjaman Mandiri and Pinjaman Bersama).

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels5 records

Core offering

Based solely on the legal name (PT Esta Dana Ventura), the entity is an Indonesian Modal Ventura (venture capital) company registered in the Dana Ventura category under OJK. No further detail on its actual product set, ticket sizes, sectors, or geographic focus is evidenced in the supplied input material.

Product overview

Esta Dana Ventura (EDV) is a Non-Bank Financial Institution (Lembaga Keuangan Non-Bank) licensed and supervised by the Financial Services Authority (OJK), operating since 2015. The company provides productive business financing to micro, small, and medium enterprises (UMKM) across Indonesia. Its product portfolio consists of two core product lines — UKMS (financing with vehicle collateral via Griya Smesta Motor dan Mobil) and MIKRO (group and individual micro financing without collateral via Griya Smesta Bersama dan Mandiri). The UKMS product accepts collateral in the form of motor vehicle (BPKB Motor) or car (BPKB Mobil) registration documents, while the MIKRO product offers unsecured loans through Pinjaman Mandiri (individual) or Pinjaman Bersama (group-based with minimum 10 members) schemes. The company also provides business education programs (Kelas Esta) and digital support to its debtors.

Differentiator

Problem solved

Functional benefit

Quantifiable outcome

• Disbursed Rp 2+ trillion to 200,000+ women micro entrepreneurs
• +3 more outcomes

Named customers10 records

Segments3 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Partnerships

Four partnerships are on record, tiered core and minor.

• Ministry of Cooperatives and SME (Kementerian Koperasi dan UKM)coreStrategic or Co-development PartnerEsta Dana Ventura serves as a proposing institution (lembaga pengusul) for the People's Business Credit (BPUM) program. The company verifies and nominates eligible micro entrepreneurs to receive government aid of Rp 2.4 million per beneficiary, facilitating national economic recovery efforts.
• BPJS KetenagakerjaanminorStrategic or Co-development PartnerEsta Dana Ventura partners with BPJS Ketenagakerjaan to provide social security education to micro entrepreneurs (BPU - Bukan Penerima Upah). The company educates debitors about workplace accident insurance and social protection programs available through the government scheme.
• Core IndonesiaminorOthersEconomic research institution Core Indonesia provides expert commentary on digital economy and MSME development, supporting Esta Dana Ventura's mission to empower micro entrepreneurs through research and market insights.
• Otoritas Jasa Keuangan (OJK)coreOthersFinancial services regulatory authority that licenses and supervises Esta Dana Ventura as a Non-Bank Financial Institution (Lembaga Keuangan Non-Bank). License number: KEP-8/D.05/2015.

Scale indicators14 records

Recent moves6 records

Expansion highlights6 records

Emerging players

• Tunaiku: Indonesian digital lending platform offering uncollateralized micro and consumer loans through a mobile app - targets similar underserved borrowers as EDV with a fully digital origination process that competes in the same segment.
• KoinWorks: Indonesian fintech lending platform providing P2P loans to SMEs and individuals across the country - overlaps with EDV's UKM (small business) segment through digital channels.
• Investree: Indonesian P2P lending fintech serving SMEs with working-capital financing - comparable small-business lending focus with EDV's UKM tier, though operated digitally.

Broad incumbents

• PT Bank BTPN: Indonesian bank focused on serving the mass market through branchless banking and micro loans to women pre-prosperous entrepreneurs - comparable customer base and financial-inclusion mission to Esta Dana Ventura.

Direct peers

• Amartha: Indonesian fintech P2P lender focused on group-based micro loans to women micro entrepreneurs - a digital evolution of the same group-lending model Esta Dana Ventura runs physically, and a directly comparable target segment and product.
• PT Pegadaian: Indonesian state-owned non-bank institution providing collateral-based credit (including BPKB-backed loans comparable to EDV's Griya Smesta Motor/Mobil) to micro and small entrepreneurs nationwide - overlapping product mix, branch distribution, and target customer.
• Permodalan Nasional Madani (PNM): Indonesian state-owned non-bank financial institution specializing in micro, small, and ultra-micro financing, including the Mekaar group-lending program for women micro entrepreneurs - directly comparable to Esta Dana Ventura's Pinjaman Bersama model in segment, product, and method.
• Mekar: Indonesian P2P lending platform specializing in group-based micro loans to women micro entrepreneurs - directly comparable in target market and group-lending mechanism to EDV's MIKRO product line.

Regional players

• WOM Finance: Indonesian non-bank finance company focused on motorcycle and vehicle financing for consumers and micro businesses - directly comparable in BPKB-collateralized lending to micro/SME customers.
• Adira Finance: Indonesian non-bank finance company offering vehicle-backed financing to consumers and SMEs - directly comparable to EDV's Griya Smesta Motor/Mobil BPKB-collateralized lending product line.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat4 records

Key risks6 records

Key highlights7 records

Customer concentration

• Instagraminstagram.com/estadanaventura
• LinkedInlinkedin.com/company/esta-dana-ventura-pt

Compliance1 record

Revenue estimate

Valuation estimate

Number of profiles

Funding overview

Funding rounds

Investors

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 Esta Dana Ventura