Sehati
- Company typePrivate
- Founded2009
- HeadquartersDepok, Indonesia
- Headcount1,001–5,000
- GTM typeB2C
- OfferingServices
Sehati firmographics
Firmographics- Name
- Sehati
- Legal name
- Koperasi Sehati Makmur Abadi
- Website
- https://sehati.co.id
- Company type
- Private
- Founded year
- 2009
- Operating status
- Operating
- Headcount range
- 1,001–5,000 employees
- Ownership category
- akta.pro rank
Where Sehati is headquartered
LocationHeadquarters
- HQ city
- Depok
- HQ country
- Indonesia
- HQ region
- Asia
Offices2 records
Markets served
Sehati business model
Business model- GTM type
- B2C
- Offering type
- Services
- Cost components
- Personnel, Operations, Infrastructure, Technology or R&D, Marketing or Sales
Distribution channels2 records
Marketing channels3 records
Sehati product offering
Product offeringCore offering
Koperasi Sehati Makmur Abadi operates as an Indonesian savings and loan cooperative (KSP) offering cooperative savings and loans, consumer credit, savings withdrawal services, online lending (jasa simpan pinjam secara online), and financial consulting services to its members. The cooperative serves micro and small business members primarily in West Java (Depok and Bekasi) with the stated vision of becoming the largest and most trusted KSP in Indonesia under the tagline 'Mitra Usaha Anda' (Your Business Partner).
Product overview
Sehati operates as a savings and loan cooperative (KSP) providing financial services to its members and the broader community. The core offering is KSP Sehati Makmur Abadi, which delivers savings deposits, loan products, and credit services. Supporting this core business are SEHAT (Sehati Trust), a member complaint handling service, and an e-Learning platform for member and employee training. The cooperative also offers online financial services for digital access to savings and loan products.
Differentiator
Problem solved
Functional benefit
Products and services
- KSP Sehati Makmur Abadi Savings and Loan Services
Companies that use Sehati
Customer profileSegments1 record
Ideal customer profiles1 record
Sehati technology and API
TechnologyTechnology focussed No
API detail
- Has API
- No
- API docs
- API detail
Core technology
AI maturity
App detail
Feature3 records
Sehati partnerships and signals
Strategic signalRecent moves5 records
Expansion highlights4 records
Sehati competitors and assessment
Company assessmentDirect peers
- Bank Rakyat Indonesia (BRI): Indonesia's largest micro-banking franchise with the BRI Unit Desa network serving millions of micro and small borrowers. Directly comparable to Sehati's micro/SME savings and loan focus, but operates at vastly larger scale across Indonesia.
- Bank Tabungan Pensiunan Nasional (BTPN): Indonesian bank specializing in microfinance and financial inclusion for unbanked and underbanked segments. Comparable to Sehati's mission of serving micro and small borrowers, with a deeper branch and digital footprint.
- Pegadaian: Indonesia's state-owned pawnbroker and microfinance institution serving low-to-middle income customers. Comparable to Sehati's mass-market financial service orientation and focus on micro/working-class borrowers.
- Permodalan Nasional Madani (PNM): State-owned Indonesian microfinance company running the Mekaar program for ultra-micro women borrowers. Directly comparable to Sehati's micro/lending focus, but with a national agency network and government backing.
Broad incumbents
- Bank Mandiri: One of Indonesia's largest state-owned commercial banks with a full suite of retail, SME, and corporate banking. Overlaps with Sehati's SME lending segment as part of a much broader portfolio.
- Bank Central Asia (BCA): Indonesia's largest private commercial bank with strong digital channels. Serves SMEs and retail customers through a broad product suite that overlaps with parts of Sehati's member offering.
Emerging players
- Baitul Maal wat Tamwil (BMT): Network of Islamic cooperative microfinance institutions in Indonesia that pool member savings and provide Sharia-compliant financing to micro enterprises. Comparable to Sehati's cooperative savings and loan model at the grass-roots level.
Market position
Strengths4 records
Weaknesses4 records
Competitive moat3 records
Key risks6 records
Key highlights5 records
Customer concentration
Sehati social profiles
Digital presenceSehati compliance and trust
Trust signalCompliance1 record
Sehati financial estimates
Financial estimateRevenue estimate
Valuation estimate
Sehati leadership team
Management profileNumber of profiles
Profiles1 record
Sehati funding detail
Funding detailFunding overview
Funding rounds
Investors
Funding detail is available on the Subscription and Enterprise plan.Contact sales →
Sehati M&A and investment
M&A and investmentM&A
Investments
M&A and investment is available on the Subscription and Enterprise plan.Contact sales →
Frequently asked questions about Sehati
What does Sehati do?
Koperasi Sehati Makmur Abadi operates as an Indonesian savings and loan cooperative (KSP) offering cooperative savings and loans, consumer credit, savings withdrawal services, online lending (jasa simpan pinjam secara online), and financial consulting services to its members. The cooperative serves micro and small business members primarily in West Java (Depok and Bekasi) with the stated vision of becoming the largest and most trusted KSP in Indonesia under the tagline 'Mitra Usaha Anda' (Your Business Partner).
Is Sehati a public or private company?
Sehati is a private company. It is classified as management employee owned and is currently operating.
When was Sehati founded?
Sehati was founded in 2009. It employs 1,001 to 5,000 people.
Where is Sehati based?
Sehati is headquartered in Depok, Indonesia, in the Asia region.
Who are Sehati's main competitors?
Direct peers on record are Bank Rakyat Indonesia (BRI), Bank Tabungan Pensiunan Nasional (BTPN), Pegadaian and Permodalan Nasional Madani (PNM). Broad incumbents are Bank Mandiri and Bank Central Asia (BCA). Baitul Maal wat Tamwil (BMT) is listed as an emerging player.
Does Sehati have an API?
No public API is recorded for Sehati.