Modern MultiArtha (MMA) is a holding investment company, specializing in financial services investment. MMA owns 9 Bank Perkreditan Rakyat: 1. Bank BPR Modern Express in Maluku Province 2. Bank BPR Irian Sentosa in Papua Province 3. Bank BPR Palu Lokadana Utama in Sulawesi Tengah Province 4. Bank BPR Modern Semarang in Jawa Tengah Province 5. Bank BPR Modern Ternate in Maluku Utara Province 6. Bank BPR Modern Papua in Papua Barat Province 7. Bank BPR Modern Kupang in Nusa Tenggara Timur Province 8. Bank BPR Modern Makassar in Sulawesi Selatan Province 9. Bank BPR Modern Kendari in Sulawesi Tenggara Province MMA also invests in IT solution company, Modern Polaris Teknologi, providing Core Banking Solutions for Bank Perkreditan Rakyat and Co-Op across Indonesia.