Amartha

Amartha (PT Amartha Mikro Fintek, operating as Amartha Financial Group) is an Indonesian technology company founded in 2010 that builds digital financial infrastructure for the grassroots economy, connecting micro-entrepreneurs — predominantly women running micro and small businesses in rural villages — with affordable working capital from retail and institutional funders. Its consumer and agent brands include Amartha Prosper (investment), Celengan (savings), Modal (group loans), AmarthaLink (agent network) and the AmarthaFin mobile app for payments and bill purchase, alongside two business lines — Institutional Investments and Embedded Lending — that let banks, non-bank financial institutions, insurers and technology partners channel loans to Amartha borrowers. The company is headquartered at Amartha Village in South Jakarta, and runs its social impact programs through Amartha.org.

Amartha is profiled on the APIs.io network. Tagged areas include Company, Financial Services, Fintech, Lending, and Microfinance.

Amartha’s developer surface includes engineering blog and 8 more developer resources.

🌐 Visit website 📡 Source on GitHub

12.9/100 minimal ▬ flat Agent 0/100 human only Full breakdown ↓
scored 2026-08-17 · rubric v0.11.0

0 APIs

CompanyFinancial ServicesFintechLendingMicrofinancePeer to Peer LendingFinancial InclusionPaymentsIndonesia

Kin Score

Kin Score How this is scored →
scored 2026-08-17 · rubric v0.11.0

Composite quality — 12.9/100 · minimal

Contract Quality 0.0 / 21

Developer Ergonomics 1.1 / 17

Commercial Clarity 3.6 / 17

Operational Transparency 0.0 / 11

Governance 0.0 / 10

Discoverability 4.9 / 9

Regulatory Posture 3.3 / 15

Agent readiness — 0/100 · human only

Machine-Readable Contract 0 / 18

Agentic Access Contract 0 / 10

MCP Server 0 / 12

Machine-Readable Auth 0 / 10

Idempotency 0 / 9

Stable Error Semantics 0 / 8

Request/Response Examples 0 / 7

Rate-Limit Signaling 0 / 7

Typed Event Surface 0 / 6

Agent Skills 0 / 5

Well-Known Catalog 0 / 4

Consent & Bot Identity 0 / 3

A2A Agent Card 0 / 8

Dry-Run / Simulate Mode 0 / 4

Regulatory Posture applies to this provider. Its tags matched the Payments regime, so Regulatory Posture carries 15 points of the composite. If this regime is wrong for your business, say so on your provider repo — the applicability map is public and we will correct it.

The six quality facets above are damped to 85 points between them, because the conditional facet above carries the other 15. That is why each facet's contribution is shown against a damped maximum: raising a quality facet moves the composite by 85% of its nominal weight, not 100%. The full arithmetic is at apis.io/rating/.

Improve this rating by publishing the missing artifacts — every area above can be raised, and the full rubric is at apis.io/rating/. This rating is computed from github.com/api-evangelist/amartha: open an issue to ask a question, or submit a pull request to add artifacts. Want it done for you? Prioritized profiling — $2,500 →

Agent Surfaces 1

MCP servers, agent skills, and machine-readable catalogs

LLMsTxt

LLMsTxt

Access & Security 1

Authentication, authorization, and security posture

DomainSecurity

DomainSecurity

Operate 1

Status, limits, changes, and where to get help

HelpCenter

HelpCenter

Commercial 2

Pricing, plans, and the legal terms of use

TermsOfService

TermsOfService

PrivacyPolicy

PrivacyPolicy

Company 4

The organization behind the API

Website

About

Blog

Careers

Source (apis.yml)

aid: amartha
name: Amartha
description: Amartha (PT Amartha Mikro Fintek, operating as Amartha Financial Group) is an Indonesian technology company founded
  in 2010 that builds digital financial infrastructure for the grassroots economy, connecting micro-entrepreneurs — predominantly
  women running micro and small businesses in rural villages — with affordable working capital from retail and institutional
  funders. Its consumer and agent brands include Amartha Prosper (investment), Celengan (savings), Modal (group loans), AmarthaLink
  (agent network) and the AmarthaFin mobile app for payments and bill purchase, alongside two business lines — Institutional
  Investments and Embedded Lending — that let banks, non-bank financial institutions, insurers and technology partners channel
  loans to Amartha borrowers. The company is headquartered at Amartha Village in South Jakarta, and runs its social impact
  programs through Amartha.org.
image: https://amartha.com/logo.svg
url: https://raw.githubusercontent.com/api-evangelist/amartha/refs/heads/main/apis.yml
x-type: company
x-source: harvest:secondary-market
specificationVersion: '0.20'
created: '2026-08-06'
modified: '2026-08-06'
tags:
- Company
- Financial Services
- Fintech
- Lending
- Microfinance
- Peer to Peer Lending
- Financial Inclusion
- Payments
- Indonesia
apis: []
maintainers:
- FN: Kin Lane
  email: kin@apievangelist.com
- FN: APIs.json
  email: info@apis.io
common:
- type: DomainSecurity
  url: security/amartha-domain-security.yml
- type: Website
  url: https://amartha.com/en
- type: About
  url: https://amartha.com/en/about-us/
- type: Blog
  url: https://amartha.com/en/blog
- type: HelpCenter
  url: https://faq.amartha.com/hc/en-us
- type: TermsOfService
  url: https://amartha.com/en/syarat-dan-ketentuan
- type: PrivacyPolicy
  url: https://amartha.com/en/kebijakan-privasi
- type: Careers
  url: https://amartha.com/en/karir
- type: LLMsTxt
  url: llms/amartha-llms.txt
x-enrichment:
  date: '2026-08-06'
  status: minimal
  artifacts_added: 2
  pass: local-v1
x-coverage:
  state: gated
  reason: sales-gate
  detail: Amartha markets Embedded Lending and Institutional Investments to partner banks, insurers and technology companies,
    but neither product page publishes an integration reference — both route to an amartha.typeform.com contact form, and
    api./developer./docs.amartha.com do not resolve at all.
  evidence:
  - url: https://amartha.com/en/bisnis/embedded-lending
    status: 200
  - url: https://amartha.typeform.com/loan-channeling
    status: 200
  - url: https://amartha.com/openapi.json
    status: 404
  - url: https://amartha.com/.well-known/api-catalog
    status: 404
  checked: '2026-08-06'