![funding gap emerging markets](https://assets.lendahand.com/offer/image/60000200/w400h400_Invest_in_Validus_17_Indonesia_via_crowdfundingplatform_Lendahand.jpg)
Validus 17
![](https://assets.lendahand.com/user/avatar/8018/w200h200_Pasfoto_Jan.jpg)
![](https://assets.lendahand.com/user/avatar/5132/w200h200_jong1a_klein.jpg)
![](https://assets.lendahand.com/user/avatar/24186/w200h200_Avatar.jpg)
![](https://assets.lendahand.com/user/avatar/9458/w200h200_IMG-20230520-WA0011.jpg)
![](https://assets.lendahand.com/user/avatar/2664/w200h200_Ron.jpg)
Your investment in Validus supports 425 small entrepreneurs in Indonesia, giving them access to working capital and economic stability. This enables them to grow their businesses, create jobs, and make essential products more accessible in their communities.
€80,000
6.00%
12 months
6 months
USD
CurrencyAmount | €80,000 |
Interest | 6.00% |
Maturity | 12 months |
Repayments | 6 months |
Currency | USD |
The project
Please note: 1st and only notional payment after 12 months. Interest payment after 6 and 12 months.
Julius started as a grocer and over the years built a small distribution company in East Java. In the rural areas of Indonesia, it is often difficult to find a job. Many people lack access to stable employment and essential goods. Julius' company plays an important role in improving this situation.
His distribution company received a bank guarantee from Validus, which was crucial as it allowed him to borrow money without collateral. With this financing, Julius was able to expand his business, hire more staff, and improve the distribution of goods. The company primarily supplies wholesalers and employs 100 people in the distribution center. Additionally, the company provides jobs for delivery personnel who use scooters and trucks. In total, around 350 people work for Julius' distribution company. This means that hundreds of families now have a stable income and access to basic necessities like rice and sugar.
With your investment in Validus, 425 entrepreneurs in Indonesia, like Julius, can expand their small businesses and improve the quality of life in their communities.
What social impact does your investment have?
With these funds, Validus provides microloans to more than 425 small and medium-sized enterprises in 26 different provinces in Indonesia. Many of these companies operate in the distribution sector and specialize in consumer goods, pharmaceuticals, and other industrial products. This makes medicines and consumer products more accessible to people in both urban and rural areas.
Validus plays an important role in this development by establishing distribution networks that support more than 500 suppliers. This stimulates the local economy and promotes employment. Entrepreneurs who borrow through Validus have increased their workforce by an average of 12% and their revenues by an average of 17%, a rate higher than the average growth of 5% for SMEs.
What financial return could your investment generate?
- Annual interest rate 6%.
- The maturity of the loan is 12 months.
- Bullet loan: the first and only repayment of your investment will be made after 12 months. Interest payments happen after 6 months and 12 months.
- With an investment of 1,000 euros, your expected total repayment would be 1,060 euros.
- Please consider that although you invest in EUR, the loan is in USD, so there is a risk of exchange rate fluctuations between dollars and euros. For more information on potential exchange rate risks, please visit our currency page.
The story of Validus
Validus is a digital lending platform that has been registered with OJK* since 2018 and holds a full license. The platform quickly and efficiently provides online credit to SMEs without the need for physical bank visits. Validus focuses on the distribution sector and has facilitated over $950 million in loans for micro and small businesses in the ASEAN region to date.
The platform uses large amounts of data to provide financing to companies that cannot obtain traditional bank loans. Validus manages a loan portfolio of more than $170 million and has over 2,700 active SME borrowers.
*OJK is an independent institution that regulates and oversees the financial services sector in Indonesia.
Company name | Validus |
CEO | Nikhilesh Goel |
Founded | 2015-01-01 |
Location | Singapore |
Sector | Distribution and Processing |
Turnover | $2,500,000 |
Employees | 297 |
Credit score | B+ |
Impact
Validus aspires to improve the lives of everyone involved with the SMEs they serve, including their customers, employees, employees’ families, not to mention the business owners themselves. Since 2015, the digital lending platform has financed over $1 billion to SMEs across Singapore, Indonesia and Vietnam. Entrepreneurs in Southeast Asia face a huge funding gap. In Indonesia alone, SMEs are looking for $160 billion to be able to grow their businesses. By offering them financial services, Validus provides much needed funding in the region and contributes to financial inclusion in Southeast Asia.
So far, SMEs who receive financing through Validus have been able to grow the number of jobs by 12% on average. Clients supported by Validus’ funding grew their revenues by an average of 17% compared to the average SME growth rate of 5%.
SDGs impacted
With this project you are contributing to the following Sustainable Development Goals:
SDG 1 - No poverty
SDG 8 - Decent work and economic growth
Read more about the impact you can make through our platform and the SDGs on our impact page.
Related blog posts
Learn more about Validus in their introduction blog post here.
- With this investment 9 jobs are created
- With this investment 425 lives are improved
Sorry! You must be logged in to view this page.
Sorry! You must be logged in to view this page.
Sorry! You must be logged in to view this page.
Sorry! You must be logged in to view this page.
Sorry! You must be logged in to view this page.
We have already contributed to Validus 17
![](https://assets.lendahand.com/user/avatar/8018/w200h200_Pasfoto_Jan.jpg)
![](https://assets.lendahand.com/user/avatar/5132/w200h200_jong1a_klein.jpg)
![](https://assets.lendahand.com/user/avatar/24186/w200h200_Avatar.jpg)
![](https://assets.lendahand.com/user/avatar/9458/w200h200_IMG-20230520-WA0011.jpg)
![](https://assets.lendahand.com/user/avatar/2664/w200h200_Ron.jpg)