Pek Kemmuran Rakyat

Pek Kemmuran Rakyat

Pek Kemmuran Rakyat operates klikUMKM, a peer-to-peer lending platform registered and licensed by Indonesia's Otoritas Jasa Keuangan (OJK) under decree KEP-13/D.05/2021. The firm is led by Direktur Utama Anas Latief, an economist from Universitas Hasanuddin with a 35-year career spanning private-sector finance and regional government-owned enterprises. He is joined by Direktur Serli Khong, a computer science graduate from Universitas De La Salle Manado with two decades in banking, insurance, and fintech, and Komisaris Melani Sugiharti, a business development professional educated at the University of London's Singapore Institute of Management. The platform structures direct, short-term personal loans — not productive MSME credit — in a narrow band: maximum principal of Rp80,000,000, tenors of three to six months, and fixed daily interest at 0.3%. This creates an annualized yield profile well above Indonesian consumer lending benchmarks, while the short duration caps exposure for retail and institutional lenders on the supply side. klikUMKM operates exclusively in Indonesia, serving personal borrowers in a market where regulated digital lending has grown rapidly as an alternative to bank underwriting. No equity or venture-stage investments are part of the mandate. The firm maintains dual Jakarta offices, one on the 23rd floor of Gedung Artha Graha in the SCBD district and a second at Menara Global in Kuningan. It has not disclosed total deployment volume, lender count, or team size. No adjacent vehicles, philanthropic entities, or affiliate operating companies are publicly identified — the platform is the business.