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Company Profile
PT Bina Artha Ventura is a Venture Capital Company established in 2011 which is actively involved in the microfinance sector in Indonesia by providing business financing in the form of uncollateralized group loans to groups of women and individual loans with flexible collateral to men and women owning small or micro businesses.
Our Vision
To be the preferred business client of Indonesian households lacking access to formal credit enriching their lives by providing convenient and reliable solutions, matching their evolving needs.
Our Mission
We provide Indonesian families with convenient and innovative access to reliable financial and non-financial services, thereby being the most trusted business client in each location we operate.
Our Core Values
Openness towards our clients, stakeholders, and community.
Uphold the highest ethical standards and demonstrate the values of honesty and fairness in every applied action.
We promote and support diversity while prioritizing unity. We work together to achieve common goals.
Milestones
The Journey of Bina Artha Ventura's Meaningful Impact
As our journey to grow and provide an Meaningful Impact on your business sustainability, PT Bina Artha Ventura commitment is to prioritize your convenience in accessing micro and small enterprise loans.
- Establishment of PT Bina Artha Ventura by CreditAccess Asia.
- Receipt of Venture Capital license from the Ministry of Finance.
- Launch of Bina Group Lending.
- Serving 100,000 clients through a network of 83 branch offices in 31 regencies in Java.
- Launch of Individual Lending.
- The first Venture Capital Company in Indonesia to access the Bank of Indonesia Credit Bureau.
- Launch of a pilot innovation project in the form of loan for the construction of clean water and sanitation facilities, namely KOMPAK, in collaboration with Water.org.
- Partnering with Alfamart as one of the payment channels for Individual Lending product installments.
- Expansion of operations into Sulawesi.
- Official launch of the KOMPAK loan, which focuses on the construction of clean water and sanitation facilities.
- Obtaining the SMART Campaign Partner Protection Certification.
- Receiving the 'OJK - Token of Appreciation' for consistency as a contributor to SLIK data reporting.
- Partnering with Tokopedia and Lazada to offer working capital financing to sellers on those e-commerce platforms.
- One year after its launch, the KOMPAK product has reached 20,000 clients.
- Achievement of IDR 1 Trillion outstanding loan portfolio.
- Signing of a Cooperation Agreement with the Directorate General of Population and Civil Registration, Ministry of Home Affairs, to Utilize the Population Identification Number, Population Data, and Electronic ID Card in order to analyze the risk profile of Partners.
- Launch of the 'Digital Transformation' pilot project on the Individual Lending product, with support from the Mastercard and Accion partnership.
- Extension of the Client Protection Certification period from SMART Campaign.
- Launch of the 'Quick Loan' product.
- Bina Artha remained resilient in the face of the Pandemic situation by continuing to disburse loans, supporting clients with moratoriums, and remaining profitable through efficiency gains.
- Expansion of operations into North Sumatra.
- In 2022, Bina Artha partnered with AXA Financial Indonesia to provide life insurance to clients.
- Obtaining the Client Protection Certification from MFR (Microfinanza Rating).
- Initiation of the 'Digital Transformation' pilot project on the Group Lending.
- Pilot and roll out of a new Digital Individual Lending Process
