Sustainability and ESG: Our Sustainability Pillars

Stronger Societies

Empowering Southeast Asia’s SMEs through increasing access to financing.

Creating stronger societies by contributing to Southeast Asia’s economic growth and increasing financial inclusion by supporting underserved and underbanked, yet creditworthy SMEs.

Stronger Planet

Supporting the transition to a greener economy in Southeast Asia.

Cultivating a stronger planet by becoming enablers and catalysts of the green economy transition, climate change adaptation and mitigation, and the circular economy in Southeast Asia by empowering green SMEs.

Stronger People

Focus on creating an inclusive, diverse and equal space for our stakeholders to do business responsibly.

Empowering individuals to drive meaningful impact on the environment and society through personal growth. We foster an inclusive environment that encourages continuous development for all. Together, we aspire to promote responsible business practices, support social equity, and contribute to the achievement of sustainable development goals.

Our Approach

At FSMK we believe that we have a role to conduct business responsibly and in line with the triple-bottom-line approach of sustainability. We aim to find a balance between economic, environmental, and social factors within our internal operations and in our financing activities.

How we embed sustainability in our core business

Implement sustainability principles in our business practice
Implement the Environmental and Social Management System (ESMS) and integrate ESG risk assessment in our credit assessment process.
Facilitate internal ESG and climate change-related educational activities.

How we support SMEs on their sustainability journey

Allocate funding for SMEs that have a green economy or circular economy-focused activities.
Increase awareness through ESG-focused educational content
Create an MSME community that facilitates knowledge transfer and collaboration.

The UN SDGs are goals set out by the United Nations to help the world achieve a sustainable future for all without leaving anyone behind. These 17 goals serve as a blueprint for the world to achieve peace and prosperity for people and the planet, both now and in the future. Through our mission to create stronger societies, we are able to contribute to the SDGs through our sustainability initiatives on five of the goals:

Funding Societies | Modalku is a signatory to the UN Global Compact to operate responsibly, in alignment with universal sustainability principles. We adhere to UNGC’s 10 principles covering the areas of labour, human rights, environment and anti-corruption, joining other global companies as frontrunners in sustainability.

ESBN Gold Badge

Want to kickstart your sustainability and ESG data reporting journey? Take this free ESG self-assessment tool for SMEs powered by our partners, STACS - ESGpedia.

Take the assessment now and attain your Green, Silver, or Gold ESBN Asia-Pacific Green Deal Badge for greater recognition and visibility of your business sustainability. This assessment will help you to:

✓ Meet investors' and regulatory demands.

✓ Access new financing opportunities.

✓ Improve your competitiveness.

Get your badge here!

Find out more about ESBN Asia-Pacific Green Deal

Our Participation in Sustainability Space

The B20 Indonesia Summit 2022

We were a member in the Finance and Infrastructure Task Force and the Women in Business Action Council

KADIN ESG Task Force

We are part of a group of companies and investors that align on a collective agenda to support the country’s sustainability targets

Green Economy Indonesia Summit (GEIS) 2022

Annette Aprilana, our Sustainability and ESG Lead spoke at the Green Economy Indonesia Summit (GEIS) 2022.

Sustainability Academy

Seller Acceleration Camp Modalku x Lazada Lazada Sustainability Academy: Seller Accelerator Camp - Signing of MoU where Modalku participates as a financing partner.

ASEAN Business Awards 2023

Funding Societies | Modalku was selected as the winner for the category "Trade and Investment Facilities - Innovative Investment".

Collaboration with STACS

Modalku collaborates with STACS to utilize STACS ESGpedia platform to support ESG reporting and sustainable financing access for MSMEs in Indonesia.

Asia-Pacific Business Forum (APBF) 2022

Kelvin Teo, Co-founder & Group CEO Funding Societies | Modalku spoke at the Asia-Pacific Business Forum 2022.

Reports

FSMK Economic Impact Report

Of the 73 million MSMEs in Southeast Asia, around 39 million (51%) are either unserved or underserved by financing services - which led to a financing gap of US$272 billion, despite their potential MSMEs to provide significant employment opportunities and contribute tremendously to national Gross Domestic Product (GDP). Find out more about our regional impact study.

Accelerating Impact Beyond Access

FSMK participated in a groundbreaking study on financial inclusion in Southeast Asia. The 'Accelerating Impact Beyond Access' report, released by the Centre for Impact Investing and Practices & Temasek Trust, highlights the immense potential of this region. Read the full report.

Explore our funding opportunities here

Click here

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Indonesia

Pemberi Dana
layanan@modalku.co.id
+62 877 7126 5290

Penerima Dana
info@modalku.co.id
+62 877 7873 6144

Unifam Tower, Jl. Panjang Raya
Blok A3 No.1, Kedoya Utara,
Kebon Jeruk, Jakarta Barat,
DKI Jakarta, 11520, Indonesia

Singapore

info@fundingsocieties.com
General Enquiries:
+65 6221 0958

Sales Enquiries:
+65 6011 7534

112 Robinson Road
Level 8
Singapore 068902

Malaysia

info@fundingsocieties.com.my
Primary contact
+603 9212 0208

Secondary contact
+603 2202 1013

Unit 15.01 & Unit 15.02,
Level 15, Mercu 3,
KL Eco City, Jalan Bangsar,
59200 Kuala Lumpur

Thailand

SME Loan
info@fundingsocieties.co.th
+66 93 139 9721

Investment
invest@fundingsocieties.co.th
+66 62 197 8661

No. 188, Spring Tower,
10th Floor, Phayathai Road,
Thung Phaya Thai Sub-district,
Ratchathewi District,
Bangkok, 10400

Vietnam

info@fundingsocieties.vn
(+84) 28 7109 7896

The Sentry P
16 Nguyen Dang Giai Street,
Thao Dien Ward, Thu Duc City,
Ho Chi Minh City, Vietnam

Dreamplex
174 Thai Ha Street,
Trung Liet Ward, Dong Da District,
Hanoi, Vietnam

PERHATIAN:

Layanan Pendanaan Bersama Berbasis Teknologi Informasi merupakan kesepakatan perdata antara Pemberi Dana dengan Penerima Dana, sehingga segala risiko yang timbul dari kesepakatan tersebut ditanggung sepenuhnya oleh masing-masing pihak.
Resiko Kredit atau Gagal Bayar dan seluruh kerugian dari atau terkait dengan kesepakatan pendanaan bersama ditanggung sepenuhnya oleh Pemberi Dana. Tidak ada lembaga atau otoritas negara yang bertanggung jawab atas resiko gagal bayar dan kerugian tersebut.
Penyelenggara dengan persetujuan dari masing-masing Pengguna (Pemberi Dana dan/atau Penerima Dana) mengakses, memperoleh, menyimpan, mengelola dan/atau menggunakan data pribadi Pengguna ('Pemanfaatan Data') pada atau di dalam benda, perangkat elektronik (termasuk smartphone atau telepon seluler), perangkat keras (hardware) maupun lunak (software), dokumen elektronik, aplikasi atau sistem elektronik milik Pengguna atau yang dikuasai Pengguna, dengan memberitahukan tujuan, batasan dan mekanisme Pemanfaatan Data tersebut kepada Pengguna yang bersangkutan sebelum memperoleh persetujuan yang dimaksud.
Pemberi Dana yang belum memiliki pengetahuan dan pengalaman pendanaan bersama, disarankan untuk tidak menggunakan layanan ini.
Penerima Dana harus mempertimbangkan tingkat bunga kredit usaha dan biaya lainnya sesuai dengan kemampuan dalam melunasi kredit usaha.
Setiap kecurangan tercatat secara digital di dunia maya dan dapat diketahui masyarakat luas di media sosial.
Pengguna harus membaca dan memahami informasi ini sebelum membuat keputusan menjadi Pemberi Dana atau Penerima Dana
Pemerintah yaitu dalam hal ini Otoritas Jasa Keuangan,tidak bertanggung jawab atas setiap pelanggaran atau ketidakpatuhan oleh Pengguna,baik Pemberi Dana maupun Penerima Dana (baik karena kesengajaan atau kelalaian Pengguna) terhadap ketentuan peraturan perundang-undangan maupun kesepakatan atau perikatan antara Penyelenggara dengan Pemberi Dana dan/atau Penerima Dana.
Setiap transaksi dan kegiatan pendanaan bersama atau pelaksanaan kesepakatan mengenai pendanaan bersama antara atau yang melibatkan Penyelenggara, Pemberi Dana dan/atau Penerima Dana wajib dilakukan melalui escrow account dan virtual account sebagai mana yang diwajibkan berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 10/POJK.05/2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi dan pelanggaran atau ketidakpatuhan terhadap ketentuan tersebut merupakan bukti telah terjadinya pelanggaran hukum oleh Penyelenggara sehingga Penyelenggara wajib menanggung ganti rugi yang diderita oleh masing-masing Pengguna sebagai akibat langsung dari pelanggaran hukum tersebut diatas tanpa mengurangi hak Pengguna yang menderita kerugian menurut Kitab Undang-Undang Hukum Perdata

PT Mitrausaha Indonesia Grup ("Modalku") telah berizin di Otoritas Jasa Keuangan ("OJK") sebagai Perusahaan Penyelenggara Layanan Pendanaan Bersama Berbasis Teknologi Informasi dengan Surat Tanda Berizin KEP-81/D.05/2019 pada tanggal 30 September 2019 sehingga pelaksanaan kegiatan usahanya diawasi secara ketat oleh OJK berdasarkan Peraturan Otoritas Jasa Keuangan Nomor 10/POJK.05/2022 tentang Layanan Pendanaan Bersama Berbasis Teknologi Informasi.

HATI-HATI, TRANSAKSI INI BERISIKO TINGGI. ANDA DAPAT SAJA MENGALAMI KERUGIAN ATAU KEHILANGAN UANG. JANGAN BERUTANG JIKA TIDAK MEMILIKI KEMAMPUAN MEMBAYAR. PERTIMBANGKAN SECARA BIJAK SEBELUM BERTRANSAKSI.