PNM Empowers 12.4 Million Ultra-Micro Entrepreneurs in H1 2026

PT Permodalan Nasional Madani (PNM) continues to drive business growth in the first half of 2026 by focusing on an integrated financing and empowerment model. As of June 2026, PNM has disbursed Rp32.3 trillion to 12.4 million active customers under its Membina Ekonomi Keluarga Sejahtera (Mekaar) program. This performance is supported by 4,035 service units, 62,028 predominantly female facilitators, and 881,118 customer groups across Indonesia.

The significant reach highlights the substantial need for productive financing access among the underprivileged, particularly women ultra-micro entrepreneurs. Aligning with the government's efforts to strengthen the grassroots economy through the Ultra Mikro Holding under Danantara, PNM is expanding its services to business groups previously underserved by formal financial sectors.

PNM's business model is built on two main pillars: financing and empowerment. Beyond providing collateral-free capital through the Mekaar program, the company equips customers with training, business mentoring, entrepreneurial character building, and financial and digital literacy. This holistic approach aims to foster sustainable businesses and enhance family economic resilience.

Throughout the first half of 2026, PNM conducted 26,776 empowerment programs, engaging 723,883 participants. These activities included regular Mekaar training, cluster-specific training, large-scale Business Capacity Development (PKU Akbar), community meetings, and product exhibitions. These diverse programs are designed to improve entrepreneurs' skills, enabling them not only to access capital but also to grow their businesses sustainably.

Since its inception in 1999, PNM has developed an empowerment model that integrates financial, intellectual, and social capital. This approach uses financing as an entry point to enhance business capacity, expand networks, strengthen competitiveness, and encourage entrepreneurship. PNM's CEO, Kindaris, emphasized that the company's success is measured not just by the volume of financing but by the customers' ability to achieve independent growth. "Financing provides greater value when accompanied by support. The ultimate goal is not just for businesses to survive, but for every customer to have the ability to continuously grow," Kindaris stated.