PaDi UMKM

What PaDi UMKM does

PaDi UMKM (legal entity: Pasar Digital UMKM Indonesia) is an Indonesian B2B/B2C digital marketplace, founded in 2020 and headquartered at Gedung Telkom Divisi Digital Business & Technology in Jakarta Selatan. The platform connects micro, small, and medium enterprises (UMKM) as sellers with Indonesian State-Owned Enterprises (BUMN), B2B buyer groups, and retail buyers as purchasers. It operates across more than 45 product and service categories including chemicals, mining commodities, office supplies, electronics, food and beverage, fashion, and professional services, with explicit support for TKDN (Tingkat Komponen Dalam Negeri) domestic-content certification.

The platform's product surface is organized around a core marketplace complemented by specialized modules: Tender Kilat (a rapid bidding/tender feature enabling buyers to request time-bound quotes from multiple sellers), a Seller Portal for vendor registration and order management, a Buyer Portal for B2B and retail procurement, a Control Tower dashboard for transaction monitoring, a PaDi UMKM Finance landing page integrating four state-owned financial institutions (Bank Mandiri, BRI, Pegadaian, PNM) for SME capital access, and a MinDi chat assistant for user support. Multi-payment support includes virtual accounts, QRIS, e-wallets (OVO, DANA, LinkAja), and credit cards, with B2B installment terms of 30–180 days offered to enterprise buyers.

Revenue is generated through marketplace commissions on transactions between UMKM sellers and buyers, supplemented by premium store subscription tiers for enhanced visibility and featured placement. The platform's strategic positioning is anchored in official recognition by the Ministry of State-Owned Enterprises, which monitors payment transactions on the platform, and consumer-protection oversight from the Ministry of Trade. This state-level endorsement — combined with the integrated financing stack and a self-described "#1 procurement site" status — defines PaDi UMKM's commercial identity as a government-affiliated procurement infrastructure layer for Indonesia's UMKM ecosystem rather than a conventional private-sector marketplace.

Name

PaDi UMKM

Legal name

Pasar Digital UMKM Indonesia

Website

https://padiumkm.id

Company type

Private

Founded year

2020

Operating status

Operating

Headcount range

101–250 employees

Short description

PaDi UMKM is an Indonesian B2B/B2C digital marketplace founded in 2020 that connects small and medium enterprises (UMKM) with state-owned enterprises (BUMN), B2B buyer groups, and retail buyers, with integrated financing through state-owned banks and Ministry of SOE endorsement.

Ownership category

akta.pro rank

Product category

B2B Procurement Marketplace

NAICS

Custom Computer Programming Services (541511)

SIC

Services-Computer Programming, Data Processing, Etc. (7370)

akta.pro primary industry

Office Supplies, IT & Workplace Procurement Marketplaces (CRAFAHAF)

akta.pro secondary industry

Professional & Business Services Marketplaces (Freelancers, SMB Services) (BPAMAHAG)

Keywords

• B2B procurement marketplace
• SME digital marketplace
• E-procurement platform
• Government vendor marketplace
• SME financing integration

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Digital Commerce or Content

Cost components

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

Revenue model

1. Marketplace Transaction Fees: Commission from transactions between sellers (UMKM) and buyers (BUMN and retail) on the platform. Sellers list products and services, buyers purchase through the platform.
2. Premium Store Subscriptions: Premium store listings and featured placement for sellers who opt for enhanced visibility packages

Pricing tiers

Go-to-market motion1 record

Distribution channels3 records

Marketing channels3 records

Core offering

PaDi UMKM operates a B2B/B2C digital marketplace platform that connects Indonesian micro, small, and medium enterprises (UMKM) with state-owned enterprises (BUMN) for procurement of goods and services across 50+ product categories. The platform supports catalog browsing, rapid bidding via Tender Kilat, integrated state-owned bank financing, and multi-payment options (virtual accounts, QRIS, e-wallets, credit cards) with payment monitoring by the Ministry of SOEs.

Product overview

PaDi UMKM operates as a multi-category B2B/B2C digital marketplace platform for Indonesian procurement, connecting state-owned enterprises (BUMN) with micro, small, and medium enterprises (UMKM). The platform is architected around a core marketplace (PaDi UMKM Marketplace) supplemented by specialized modules including Tender Kilat for rapid procurement bidding, a Seller Portal for vendor management, a Buyer Portal for B2B and retail procurement, a Control Tower for transaction monitoring, and a Finance landing page for access to working capital via state-owned banks (Bank Mandiri, BRI, Pegadaian, PNM). The marketplace lists over 50 product categories spanning chemical materials, office supplies, electronics, food and beverages, kitchen equipment, fashion, and professional services. A chat assistant called MinDi is embedded as a support feature across the platform.

Differentiator

Problem solved

Functional benefit

Products and services

• PaDi UMKM Marketplace A B2B/B2C digital marketplace connecting Indonesian state-owned enterprises (BUMN) with micro, small, and medium enterprises (UMKM). The platform enables procurement of goods and services across 50+ categories (chemicals, office supplies, electronics, food & beverage, fashion, professional services) through catalog browsing, Tender Kilat rapid bidding, and direct purchasing.
• Tender Kilat A rapid bidding/tender feature on the PaDi UMKM marketplace allowing buyers to quickly request quotes from multiple sellers for specified products and deadlines, enabling accelerated procurement for enterprise buyers including BUMN.
• PaDi UMKM Seller Portal A dedicated registration and management portal for sellers (UMKM, Premium Stores, Vendor Besar, and Koperasi) to list products, manage orders, and transact with BUMN and retail buyers on the PaDi UMKM marketplace.
• PaDi UMKM Buyer Portal A buyer-facing portal for retail and B2B purchasers (buyer groups) to browse products, place orders, and manage procurement transactions on the PaDi UMKM marketplace.
• Control Tower An administrative and monitoring dashboard for tracking and managing procurement transactions and performance on the PaDi UMKM platform, supporting oversight by stakeholders including Ministry of SOEs.
• PaDi UMKM Finance A financing services landing page on PaDi UMKM providing UMKM access to financing options through trusted state-owned financial institutions including Bank Mandiri, BRI, Pegadaian, and PNM.

Quantifiable outcome

• Access to financing from trusted state-owned financial institutions (Bank Mandiri, BRI, Pegadaian, PNM)

Named customers2 records

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

Two partnerships are on record, tiered flagship and core.

• Kementerian BUMN (Ministry of SOEs)flagshipStrategic or Co-development PartnerOfficial recognition and endorsement from Ministry of State-Owned Enterprises. Payment transactions are monitored by Ministry management, providing trust and credibility to the platform.
• Direktorat Jenderal Perlindungan Konsumen dan Tertib Niaga Kementerian Perdagangan RIcoreStrategic or Co-development PartnerConsumer protection oversight from the Ministry of Trade, providing regulatory framework and consumer complaint handling services.

Scale indicators1 record

Recent moves6 records

Expansion highlights5 records

Direct peers

• Bhinneka: Long-standing Indonesian B2B/B2C e-commerce platform with strong office-supplies and IT categories, comparable to PaDi UMKM's procurement-marketplace model.
• Ralali: Indonesia-focused B2B e-commerce marketplace connecting SMEs with corporate and government buyers, overlapping directly with PaDi UMKM's SME-SOE procurement positioning.
• Indotrading: Indonesia's largest B2B marketplace for industrial and commercial goods; directly comparable as a multi-category B2B platform serving Indonesian SMEs.
• GeM (Government e-Marketplace): India's official government e-procurement marketplace; the closest peer in terms of model — state-backed, SME-supplier onboarding, government-buyer demand.

Broad incumbents

• Tokopedia: Indonesia's largest consumer marketplace with growing B2B features; overlaps with PaDi UMKM's catalog categories but lacks the SOE-specific channel.
• Bukalapak: Indonesia-headquartered marketplace serving both consumers and SMEs/mitra, with comparable SME onboarding flows and category breadth.
• SAP Ariba: Global B2B procurement and supplier-network platform; comparable as enterprise procurement infrastructure but targets corporate rather than SOE buyers.
• Amazon Business: Global B2B procurement marketplace with multi-category catalogs; relevant as a comp for category breadth and B2B marketplace scale, though geographically distinct.

Regional players

• Blibli: Indonesian B2C marketplace with B2B and corporate-gifting services; overlaps in multi-category e-commerce but with stronger consumer orientation than PaDi UMKM.

Others

• Mekari (Jurnal / Powered by Mekari ecosystem): Indonesian SaaS provider of accounting and business operations software used by SMEs; adjacent ecosystem player that could partner with or substitute parts of PaDi UMKM's seller-services stack.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat4 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/padiumkm
• YouTubeyoutube.com/channel/UCNJxGqjubc_Immhn30yk6OA
• Facebookfacebook.com/PaDiUMKM
• Instagraminstagram.com/PaDiUMKM/?__coig_restricted=1
• LinkedInlinkedin.com/company/padi-umkm

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 PaDi UMKM