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 omnichannel commerce enabler company in Indonesia that helps everyone to sell across a wide array of channels—both online and offline. SIRCLO focuses on three key pillars of solutions, which include solutions for Enterprises; solutions for Small & Medium-Sized Brands; and New Retail & Micro Business services that cover micro-retails or warung. To date, SIRCLO has listed more than 150,000 brands and over 500,000 micro-retails who have been served cumulatively; more than 25 million end-consumers reached; and over 80 distribution points spread across Indonesia.


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.