Technology-based financial services firm PT Venteny Fortuna International (VTNY) is expected to secure additional loans worth Rp300–400 billion (US$24.3 million) from Japanese investors by the end of 2025.

Venteny’s Chief Operating Officer, Milokevin Wendiady, said the company operates not only as a peer-to-peer (P2P) lending platform but also as a super lender, supported by funding from several domestic and international banks.

P2P lending directly connects borrowers and lenders through digital platforms, enabling faster and more transparent financing compared to traditional financial institutions. In contrast, the super lender scheme involves large institutional investors, such as banks, channeling substantial and sustainable funding through P2P platforms.

“We are already working with Bank Danamon and Bank Mayapada, which currently serve as our partner banks,” Milokevin said during Venteny’s 2025 public expose, held virtually on Tuesday, September 9, 2025.

As of the first half of 2025, 77 percent of Venteny’s funding came from Japan, while the remaining 33 percent was denominated in rupiah, U.S. dollars, and Singapore dollars.

Chief Financial Officer Kaleb Solaiman added that the company is exploring new markets in Central Java, Bali, and South Sulawesi, with a continued focus on micro, small, and medium enterprises (MSMEs), women entrepreneurs, and ESG-oriented businesses.

Looking ahead, Venteny has outlined three strategic priorities:

1. Partnerships – actively pursuing collaborations through its SuperApp B2B2I, which allows companies to extend services to all employees.

2. Business-to-business financing – strengthening asset-based financing to help entrepreneurs convert assets into working capital more quickly than conventional bank mechanisms.

3. Innovative products – including Earned Wage Access (EWA), enabling employees to withdraw part of their salary before payday, reducing reliance on emergency loans.

Venteny also sees opportunities in financial wellness solutions, reflecting rising demand in this sector. The company has no immediate plans for a rights issue, share buyback, or other corporate actions through the first half of 2025.

In the first half of 2025, VTNY booked a net profit of Rp7.39 billion, up 99.72 percent year-on-year from Rp3.70 billion. Revenue grew 19.54 percent YoY to Rp104.01 billion, driven by digital goods sales (Rp47.67 billion), interest income (Rp55.72 billion), penalties (Rp305 million), administrative fees (Rp298 million), and other income (Rp3.17 million).

Despite the stronger earnings, VTNY shares fell 1.96 percent to Rp100 as of 1:30 p.m. Jakarta time on Tuesday. The stock has slid 6.54 percent over the past week and is down 41.18 percent year-to-date.