TaniHub的农资供应与借贷赌局以吊销执照和逮捕告终

做的是什么生意

Farm-to-table marketplace connecting Indonesian farmers with restaurants and retailers, plus TaniFund peer-to-peer lending.

启动资金：US$65.5M Series B in May 2021 led by MDI Ventures

起因

TaniHub Group launched in 2016 to help smallholder farmers reach more customers. The idea: Indonesian agriculture was fragmented, with many small players and limited coverage, so a digital platform could shorten the chain between farmers and buyers and lift farmer income.

经过

In May 2021 the group raised a US$65.5M Series B led by MDI Ventures (with BRI Ventures, Flourish Ventures, Openspace and others), claiming 45,000 farmers and 350,000 buyers. It then pivoted from B2C to B2B and aggressively expanded TaniFund, its P2P lending arm. By 2024 TaniFund's loans were souring; regulators said it missed minimum-equity rules and ignored OJK recommendations. On 3 May 2024 OJK revoked TaniFund's license (KEP-19/D.06/2024): Rp520.9B had been disbursed to 295 borrowers, Rp122.4B of it unpaid, owed to 7,096 lenders.

结果

TaniFund was forced into liquidation and the group collapsed. In August 2025 prosecutors arrested ex-CEO Ivan Arie Sustiawan, former finance VP Edison Tobing, and MDI Ventures CEO Donald Wihardja over an alleged US$25M corruption and money-laundering scheme tied to state investors' 2019–2023 investments in TaniHub.

可借鉴之处

当市场平台用贷款为自己的增长买单时，信用风险就变成了产品的风险：一旦违约超过资本，市场和其贷款机构就会一起被清算。