Julo Teknologi Financial

Julo is an innovative financial technology (fintech) services provider that is accredited by the Financial Services Authority (OJK) of the Republic of Indonesia. Julo provides uncollateralized personal loans by utilizing big data and innovative machine learning through the ease of mobile application, providing easy and affordable access to financial inclusivity, and meeting financial needs while also stimulating economic growth.


Founded in 2013, SIRCLO is a leading e-commerce solution company in Indonesia that helps businesses sell online. SIRCLO offers solutions that are divided into 2 main categories; the entrepreneur and enterprise solutions. Today SIRCLO has served more than 100.000 brands to grow their business online. SIRCLO’s solution has been trusted by local brands entailing ATS The Label, Evete Naturals, Namaste Organic, This Is April and Heytimmy Kidswear, as well as trusted by established brands such as Unilever, Reckitt, KAO, L’Oréal, and Levi’s.


Fuse is an insurtech platform that connects various insurance products from many insurance companies with multiple distribution means, channels, or partners.  We deploy the latest cutting-edge technology to make insurance easily accessible, instantly available, and affordable to everyone.

Provident Growth

Saratoga invests in fast-growing ventures in the digital space through Provident Growth, a uniquely positioned growth fund that focuses on technology investments in Southeast Asia, particularly in Indonesia. It is attracted by the region’s growing affluence that is driven by a rapidly expanding technology savvy middle-class, including today’s influential millennial generation that makes up the largest population group of the region. The Fund has growing shareholding stakes in Southeast Asia’s leading tech companies such as Gojek, Gopay, Traveloka, Pomelo, Julo, Topica, Horangi and more.

Skystar Capital

Skystar Capital is an early-stage venture fund backed by leading corporate groups in Indonesia with access to media, telecommunications, financial services, agriculture, healthcare, consumer products and services, hospitality, and education sectors. Skystar Capital takes a hands-on approach to investing to provide strategic value-add through both our expertise and our extensive network. We are focused on backing SEA companies led by technical and innovative entrepreneurs ready to scale their businesses to the next level. Skystar’s portfolio companies include Carro, Sirclo, Dekoruma, Ritase, Fuse and Julo.

Tower Bersama

PT Tower Bersama Infrastructure Tbk. (Indonesia Stock Exchange: TBIG)
Tower Bersama plays a critical role in enabling modern society to live, work and play in a world that revolves around connectivity and mobility. Its vast network of tens of thousands of repeater tower stations is the backbone of the mobile network service, without which we would not have the affordable and widely accessible mobile network service that many of us have come to depend on in our daily lives.

Merdeka Copper Gold

Merdeka Copper Gold produces gold, silver, and copper from mines in East Java and Maluku, with proven porphyry deposits that have been estimated to yield an expected LOM (life-of-mine) over the next several decades. In an increasingly digital world, the industrial applications of precious metals will grow exponentially, and so will their market value.

Sihayo Gold Limited

Sihayo Gold holds a 75% stake in the Sihayo-Pungkut concession area of North Sumatra, a seventh generation Contract-of-Work that has been estimated to contain a JORC-compliant resource of 1.4 million ounces of high grade gold, in addition to substantial copper resources. The Sihayo gold and copper project is at an advanced stage and the company is continuing with its active regional exploration programs.

Adaro Energy

Adaro Energy is an integrated, pit-to-power coal mining and energy operations that is the largest of its kind in Indonesia. Adaro produces Envirocoal that is extremely low in ash and sulfur contents, enabling power plants to comply with international emission limit standards.

Provident Agro

PT Provident Agro Tbk. (Indonesia Stock Exchange: PALM)
Provident Agro is a palm oil plantation company, which is a fully certified and signatory member of the RSPO (Roundtable for Sustainable Palm Oil) and ISPO (Indonesian Sustainable Palm Oil), the international and Indonesia’s own industry roundtables for sustainable palm oil plantation development and practices. In addition to edible oil, the company also produces palm oil as feedstock for Indonesia’s bio-fuel development program.