# Amartha

**Canonical:** https://apis.io/providers/amartha/  
**Website:** https://amartha.com/en  
**APIs profiled:** 0

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.

## Kin Score — 12.9 / 100 (minimal)

Scored 2026-08-17 under rubric 0.11.0. Trend: flat (+0.0 from 12.9).

| Facet | Score |
|---|---|
| Discoverability | 57.4 |
| Contract Quality | 0.0 |
| Governance | 0.0 |
| Operational Transparency | 0.0 |
| Developer Ergonomics | 6.5 |
| Commercial Clarity | 21.1 |

Regulatory layer — **Payments**: 21.9 (matched via tags).

## Agent readiness — 0.0 (human-only)

| Dimension | Value |
|---|---|
| Spec Presence | no |
| Agentic Access | no |
| MCP Server | no |
| Auth Clarity | no |
| Idempotency | no |
| Error Semantics | no |
| OpenAPI Examples | no |
| Rate Limit Signal | no |
| Event Surface Described | no |
| Agent Skills | no |
| Well Known Catalog | no |
| Consent Identity | no |
| Agent Card | no |
| Dry Run Mode | no |

## Security (1)

- **Amartha Domain Security** — TLSv1.3 · HSTS · DMARC

## Tags

Company, Financial Services, Fintech, Lending, Microfinance, Peer to Peer Lending, Financial Inclusion, Payments, Indonesia

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Profiled by [API Evangelist](https://apievangelist.com) and published on [APIs.io](https://apis.io/providers/amartha/). Scores are computed from the provider's own public artifacts under a published rubric.