PNM's Mekaar Program: Empowering Ultra-Micro Entrepreneurs in Indonesia

Comprehensive Support for Pre-Prosperous Communities

PT Permodalan Nasional Madani (PNM) has been at the forefront of empowering ultra-micro entrepreneurs in Indonesia through its Mekaar (Membina Ekonomi Keluarga Sejahtera) program. By October 2025, the initiative has successfully reached 22.7 million women entrepreneurs, providing them with comprehensive support that goes beyond mere financial assistance. The program's holistic approach includes business mentoring, financial literacy, and digital skills training, ensuring that participants are well-equipped to grow their businesses sustainably.

Significant Economic Impact

The impact of PNM's Mekaar program on the lives of ultra-micro entrepreneurs has been profound. According to data from the Ministry of Finance (2025), participants in the program have seen their assets increase by an average of 38.94%, while their business turnover has risen by 18.50% within a year. These statistics underscore the effectiveness of the program in not only improving the financial standing of its beneficiaries but also in contributing to the overall economic resilience of pre-prosperous communities.

Addressing the Funding Gap

The program addresses a critical issue in Indonesia's financial landscape: the lack of access to formal financial services for ultra-micro enterprises. Eko Listiyanto, an economic researcher at the Institute for Development of Economics and Finance (INDEF), highlighted that 65% of Indonesia's 57 million micro-enterprises lack access to funding from formal financial institutions. PNM's Mekaar program fills this gap by providing much-needed capital and support, thereby fostering a more inclusive financial ecosystem.

Digital Empowerment

One of the key components of PNM's strategy is digital empowerment. Through initiatives like DIVA (Digital, Innovative, and Adaptive), the program teaches entrepreneurs how to leverage social media platforms such as TikTok, Instagram, and WhatsApp Business for marketing and transactions. This digital literacy training has enabled participants to expand their customer base beyond traditional markets, reaching consumers across different cities and provinces.

Creating a Ripple Effect

The success of PNM's Mekaar program creates a ripple effect in the community. As more women entrepreneurs gain the skills and confidence to grow their businesses, they become beacons of inspiration for others. The program not only strengthens family economies but also contributes to job creation and poverty alleviation at the grassroots level. As Eko Listiyanto noted, creating an ultra-micro ecosystem that is contributory to the national economy requires continued public discourse and support.