About Datung.io

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Our Mission

Datung was founded to address the urgent issue of financial exclusion that leaves millions of small businesses in emerging markets without the capital they need to survive and grow. These businesses are the lifeblood of their communities, yet traditional financial systems have failed them, perpetuating cycles of poverty and stifling economic potential. We recognize that this financial gap is not just a barrier. it's a deep-rooted injustice that limits opportunities and undermines the dreams of entrepreneurs.

Our mission has evolved into something greater: we are here to challenge the status quo and build a new financial landscape where every small business, no matter how overlooked or underestimated, has the opportunity to rise, grow, and ignite change in their communities. This is more than a mission. it’s a movement to unleash the untapped power of millions, and we won’t rest until every entrepreneur has the chance to build the future they deserve.

Manifesto

For the businesses that have been overlooked, underestimated, and left behind. For the entrepreneurs who’ve been told they can’t, or that the system isn’t for them. For the dreamers who have dared to imagine something greater.

We’re the financial force that’s rewriting the rules, shifting the power back to where it belongs into the hands of those who need it most. We’re not just asking for change; we’re demanding it. We’re creating a new financial landscape where opportunity isn’t a privilege, but a right.

We’re the movement that opens doors for every small business, turning barriers into bridges and dreams into realities. We’re here to ensure that every entrepreneur has the chance to thrive, to be seen, and to be heard.

Facts we're fighting

$491 Billion SME finance gap in Southeast Asia

Over 35 million SMEs in Southeast Asia are excluded from the formal financial system.

Women-owned businesses account for 32% of the SME finance gap

55% of SMEs face severe financing constraints in Southeast Asia.

The unbanked businesses

Unbanked businesses are the backbone of local economies. These include micro-enterprises like sari-sari stores, food vendors, and countless other small businesses that keep communities vibrant and thriving. However, they face significant barriers to accessing formal financial services

Lack of Credit History

Traditional banks require credit histories that many small businesses simply do not have.

Exorbitant Interest Rates

Forced to rely on informal lenders, these businesses often face crippling interest rates.

Limited Financial Literacy

Many small business owners lack the financial knowledge needed to navigate the formal financial system effectively.

Our Approach

Community-Centric Lending

We've pioneered the Joint Accountability Group (JAG) model, fostering a supportive community of entrepreneurs who uplift each other.

Data-Driven Innovation

Our proprietary algorithm analyzes over 100 data points to assess creditworthiness, going beyond traditional metrics to unlock opportunities.

Build Credit Scores

We believe in empowering entrepreneurs with knowledge. Our platform offers financial literacy courses to all users.

Transparency and Trust

We're committed to clear, simple terms and transparent pricing. There are no hidden fees or surprises.