Artaku

What Artaku does

Artaku is a mobile-based financing agent platform operated by PT. Sarana Pasar Digital, founded in 2021 and headquartered in Surabaya, Indonesia. The platform functions as an intermediary connecting loan applicants, primarily micro and small business owners (UMKM) with collateral in the form of BPKB (vehicle registration) or SHM (property certificate), with Bank Perkreditan Rakyat (BPR) — Indonesia's rural banks — that make the final lending decisions. The underlying technology is a mobile application available on both Android and iOS, supplemented by an Open API infrastructure intended to support Open Banking initiatives and enable financing access for UMKM within digital marketplaces and e-commerce platforms.

The platform generates revenue through transaction fees on facilitated loan applications between borrowers and partnered BPR institutions. Artaku's go-to-market is product-led growth via self-service mobile app downloads, with customer support delivered through WhatsApp, email, and social media channels. The company holds three Indonesian regulatory registrations: OJK (S-362/MS.72/2021), KOMINFO PSE (000284.01/DJAI.PSE/03/2021), and AFTECH membership (382/REG/AFT/SU). No funding rounds, management team, revenue figures, or BPR partner names are publicly disclosed, and the company appears to operate independently without disclosed venture capital backing.

Name

Artaku

Legal name

PT. Sarana Pasar Digital

Website

https://artaku.id

Company type

Private

Founded year

2021

Operating status

Operating

Headcount range

11–50 employees

Short description

Artaku, operated by PT. Sarana Pasar Digital, is an Indonesian mobile financing agent platform connecting UMKM micro and small business borrowers with rural Bank Perkreditan Rakyat (BPR) lenders for collateralized loan applications using BPKB or SHM guarantees.

Ownership category

akta.pro rank

Headquarters

HQ city

Surabaya

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Software

Cost components

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

Revenue model

1. Financing Agent Services: Artaku operates as a financing agent platform connecting loan applicants with Bank Perkreditan Rakyat (BPR) institutions. Revenue is generated through facilitating loan applications between borrowers and BPRs, with the platform serving as an intermediary for micro business owners seeking working capital loans.

Go-to-market motion1 record

Distribution channels3 records

Marketing channels4 records

Core offering

Artaku is a mobile financing agent application operated by PT. Sarana Pasar Digital that enables individual borrowers and micro/small business owners (UMKM) in Indonesia to submit loan applications directly to partnered Bank Perkreditan Rakyat (BPR) rural banks. The platform accepts collateral in the form of Sertifikat Hak Milik (property ownership certificates) and BPKB Kendaraan (vehicle registration documents), and includes application status tracking. Artaku also provides Open API infrastructure to support Open Banking initiatives for BPR digital transformation and UMKM financing in digital marketplaces and e-commerce platforms.

Product overview

Artaku is a single unified mobile application serving as a financing agent platform for Bank Perkreditan Rakyat (BPR). The platform connects loan applicants with partnered BPRs, facilitating loan applications for micro and small business owners with collateral options including property and vehicle certificates. The company behind ArtaKu is PT. Sarana Pasar Digital.

Differentiator

Problem solved

Functional benefit

Products and services

• ArtaKu Mobile Application Mobile financing agent application available on Android and iOS that enables individual loan applicants and micro/small business owners (UMKM) to submit loan applications directly to partnered Bank Perkreditan Rakyat (BPR) institutions. Supports collateralized loans using property certificates (Sertifikat Hak Milik/SHM) and vehicle registration documents (BPKB), with features for application submission and status tracking.
• ArtaKu Open API for Open Banking Open API infrastructure for Bank Perkreditan Rakyat (BPR) institutions supporting Open Banking initiatives, enabling digital transformation of rural banks and facilitating financing access for UMKM in digital marketplaces and e-commerce platforms.

Segments2 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

Yes

API docs

API detail

Core technology

AI maturity

App detail

Feature4 records

Partnerships

One partnership is on record.

• BPR (Bank Perkreditan Rakyat) NetworkcoreChannel Partner/ Reseller/ DistributorBank Perkreditan Rakyat (rural banks) throughout Indonesia partner with Artaku as BPR Client institutions. Artaku functions as a financing agent platform that enables these BPRs to receive and process loan applications from borrowers through the mobile application. The BPRs provide the actual lending services and make final decisions on loan approvals. This partnership extends the digital reach of BPRs to underserved populations across all regions of Indonesia.

Scale indicators1 record

Recent moves6 records

Expansion highlights3 records

Direct peers

• Amartha: Indonesian OJK-registered P2P fintech focused on funding micro and small enterprises, particularly in tier-2/3 cities. Closely comparable to Artaku's UMKM and underserved-borrower focus with a similar geographic and demographic target.
• Akseleran: Indonesian OJK-registered P2P lending platform focused on SME borrowers. Comparable as a licensed Indonesian fintech marketplace facilitating business loans through a digital channel with similar regulatory profile to Artaku.
• Investree: Indonesian OJK-registered P2P lending platform serving SMEs and underserved borrowers via a marketplace model. Comparable to Artaku as a licensed Indonesian loan marketplace targeting segments that traditional banks underserve.
• Mekar: Indonesian P2P lending platform serving micro and small borrowers. Comparable to Artaku in targeting UMKM financial inclusion through a digital marketplace intermediation model under OJK supervision.
• KoinWorks: Indonesian OJK-registered digital lending marketplace that connects borrowers (including UMKM) to multiple lending partners. Directly comparable to Artaku as a fintech intermediary monetising loan-facilitation flow between borrowers and licensed lenders.
• Modalku: Indonesian OJK-registered P2P lending marketplace focused on SME financing. Comparable to Artaku in operating an OJK-licensed digital intermediation model between borrowers and institutional/individual lenders in Indonesia.

Broad incumbents

• Adira Finance: Major Indonesian consumer-finance company with a large BPKB-backed (vehicle-collateral) lending book. Comparable as a broad incumbent operating in the same collateralised consumer/SME lending space Artaku serves via BPR partners.
• Bank BRI: Indonesia's largest microfinance-focused bank, with the largest UMKM loan book in the country. Comparable as a broad incumbent in Indonesian UMKM lending and the natural alternative channel to BPR partnerships that Artaku relies on.

Market position

Strengths4 records

Weaknesses4 records

Competitive moat3 records

Key risks5 records

Key highlights6 records

Customer concentration

• Facebookfacebook.com/artaku.id
• Instagraminstagram.com/artaku.id
• LinkedInlinkedin.com/company/artaku
• Xx.com/ArtaKu_ID

Compliance3 records

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 Artaku