Rural Microfinance Cooperatives

Invest in helping micro-entrepreneurs grow or start businesses.






Profit Sharing (Mudaraba)
Central Java, Indonesia

6% Projected Net Annualized Return 3
6 Month Maturity1

About the Region

Central Java ("Jawa Tengah") is located on Indonesia's most populated island of Java and home to the city of Yogyakarta, often termed the "cultural capital" of Indonesian. Prior to indepdence and for a period of time following Indonesia's declaration of Independence, Yogyakarta served as Indonesia's capital city.

Traditionally, Central Java has been rich with a vibrant agricultural sector due to the extremely fertile volcanic-ash infused soil - furnished by Central Java's 11 volcanos - along with plentiful rains and mountain streams for irrigation. This land has been farmed for centuries, and ever inch of arable land is carefully cultivated in complex terraces that snake accross the mountainsides.

Along with the staple rice, corn, and soybean crops, Central Java also boasts plentiful fruit crops the top guava producing region in Indonesia and some unique, delicious tropical fruits that can only be found in these Volcanic mountains.

Fish Seller at Morning Market

Featured Entrepreneur

wonosobo dry good seller square
I like working with BMT because they treat me with respect and I've never had a problem with them. Anwar Tajuddin

Issuer Profile

PT PBMT Ventura
6+ Years
Private Limited, Venture Capital
Jakarta, Indonesia
1000+ Staff

Investment Overview

Maturity / Lockup 6 Months
Profit Sharing (Nisbah) 60% Investor / 40% Issuer
Min Investment $1000
Min Subscription to Close $20000
Max Subscription $5000000

Use of Funds

Funds Used For Microfinance Cooperative Member Financing
Avg. Amount Funded $500 USD
Business Types retail convenience stores micro industry automative repair traditional market women entrepreneurs micro-entrepreneurs
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Project Details

Microfinance cooperatives provide critical financial services to the local community which are out of reach via conventional banks, such as savings and financing products. Financing activity within the local community helps grow and create businesses that generate livable incomes - and is strictly for productive economic activity, not consumptive loan purposes.

Typically, cooperative agents visit local businesses every day to facilitate savings deposits and payments without the need for the business owner to visit the branch office.

The largest cooperatives have assets of more than 100 Billion Indonesian Rupiah ($7 Million USD), though most have assets of between 30 to 90 Billion ($2.1 to $6.4 Million USD). Most cooperative institutions have multiple branch offices.

Your investment will be deployed via a portfollio of microfinance cooperatives to support their commercial financing activities, which creates and grows local micro-businesses to generate livable incomes.

About the Industry

A traditional market - called pasar - is filled with family businesses that are an important fixture of the local neighborhood and economy.

A pasar seller typically generates stable, livable income for their family. For food and produce vendors, sales are normally relatively steady, with big upsurges before or during religious holidays and the back-to-school season.

Financing for Indonesian Traditional Markets

Every Indonesian city and town, big or small, has at least one pasar—the traditional market. Pasars come in many forms and sizes. Some pasars are hosted in multi-story, modern, concrete buildings while others may just be movable awnings that vendors set up for the morning and close up by noon when the sun is too hot.

The Pasar is the lifeblood of the Indonesian city. For the poor, refrigerators are a prohibitively expensive luxury, and Indonesians prefer fresh ingredients. So for most households, a morning trip to the Pasar is a necessary daily ritual.

Vendors sell a wide variety of essentials including everything from potatos to perfume and from fish to fans. Vendors typically specialize on selling one particular item, such as vegetables, meat, or housewares.

Meet Your Local Vendor

Households develop a relationship with their local seller, for example they'll always buy their vegetables from the same seller. Over time, a relationship develops and the vendor may offer a discounted price and the occasional small gift to show her/his appreciation for their patronage.

Unlike at a grocery story, where you'll hear Indonesians address the employees simply as sir (pak) or miss/maam (mbak/ibu), at the traditional market you'll hear many Indonesian's affectionately refer to their local market vendors in more familiar terms such as uncle or aunt.

Local & Fresh

Prices aren't fixed, and locals haggle to get a good deal. Since food is generally farm-to-table fresh, prices may fluctuate daily based on the latest harvest from the field or catch from the sea.

Investment Impact

Your investment enables traditional market vendors to capitalize on the surge in demand during the holiday peak season.

A typical challenge faced by a pasar vendor is meeting periods of high demand. During Ramadan, the biggest Muslim holiday, many pasar vendors experience a large spike in business demand—much like retailers in the US experience during Christmas. Your investment will go towards purchasing the raw materials or inventory needed by the market seller to have a successful and productive holiday season.

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Get in Touch

Phone: (800) 487-4122

United States

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San Mateo, CA 94401


Level 38, Tower A, Kota Kasablanka
Jl. Casablanca Raya Kav. 88 Jakarta 12870

Important Legal Info

Blossom is a trademark of Blossom Labs, Inc. a U.S. Delaware Corporation.
For inquiries, contact or call (800) 487-4122.

1. Blossom Investments are not guaranteed or insured, and investors may lose some or all of the principal invested. Blossom is not a financial advisor and statements appearing on Blossom's website and communications from Blossom do not constituate financial advice.

2. Historical Returns are not intended as a promise of future results. Blossom Investments are not insured or guaranteed and investors may have negative returns. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, the exposure to any single Note, Beneficiary or group of Notes or Beneficiaries, as well as macroeconomic conditions.

3. Actual results may differ materially from projected and/or historical returns. Blossom Investments are not guaranteed or insured, and investors may lose some or all of the principal invested. Individual portfolio results may be impacted by, among other things, the size and diversity of the portfolio, exposure to any single Note, Beneficiary, or group of Notes or Beneficiary, as well as macroeconomic conditions.

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