Modalku is a digital financing platform based in Jakarta, Indonesia. It connects Micro, Small, and Medium-Sized Enterprises (MSMEs) as borrowers with individual and institutional lenders. Registered and supervised by Financial Services Authority. Our technology-based approach enables borrowers to receive loans for the first time or at lower than market rates, while lenders will earn returns well above that of bank deposits, traditional fixed income products, and life insurance investment-linked products. This marketplace lending model is proven in countries such as USA, UK, China & Singapore. SMEs are a key source of employment and economic growth in Indonesia, but are structurally disabled by financial institutions to get the financing they need, despite being generally profitable companies. Meanwhile, lenders looking to fend off a high inflation rate need a more reliable way to generate higher returns. Modalku is committed to solve these problems through proactive innovation and collaboration with borrowers, lenders, and the broader ecosystem in Indonesia. Because together, we can create a much better Indonesia. Modalku operates in four countries: Indonesia, Singapore, Malaysia, and Thailand. We operate under the name Funding Societies in both Singapore, Malaysia and Thailand. Modalku have won many accolades and awards, including the Micro Enterprise Fintech Innovation Challenge from United Nations (UNCDF - UN Pulse Lab) and became the only digital financing startup in South East Asia to received international award The Fintech100 from KPMG.