# Indonesia PNM ultra-micro finance expansion

> Live situation record from CLSTR: https://clstr.news/situations/indonesia-pnm-ultra-micro-finance-expansion
> Updated: 2026-09-19T02:23:19.000Z. Sources: 6. Developments: 2.

The Holding Ultra Mikro (UMi) has reached its five-year milestone, having facilitated the transition of 2.35 million PT Permodalan Nasional Madani (PNM) customers into formal financial services as of June 2026. This integration utilizes the combined strengths of PNM, BRI, and Pegadaian to provide tools such as SME financing, gold-based investment, and specialized savings accounts.

Expansion efforts include the establishment of the first PNM unit in Banda Neira, Central Maluku. To implement the PNM Mekaar program in this archipelago region, account officers are navigating significant geographical challenges and conducting door-to-door socialization to build community trust and introduce the program to local residents.

## Timeline

### 2026-09-19: PNM establishes first ultra-micro finance unit in Banda Neira

Account Officer Violend Trintje Ory is establishing the first PNM Mekaar unit in Banda Neira, overcoming geographical hurdles to provide ultra-micro financial services to local communities.

2 sources. https://clstr.news/cluster/pnm-establishes-first-ultra-micro-finance-unit-in-banda-neira

### 2026-09-13: Holding Ultra Mikro enables 2.35 million PNM customers to access formal finance

Indonesia's Holding Ultra Mikro has helped 2.35 million PNM customers transition to formal financial services through synergies between PNM, BRI, and Pegadaian.

4 sources. https://clstr.news/cluster/holding-ultra-mikro-enables-235-million-pnm-customers-to-access-formal-finance

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Cite as: Indonesia PNM ultra-micro finance expansion. CLSTR, https://clstr.news/situations/indonesia-pnm-ultra-micro-finance-expansion