PNM Membina Ekonomi Keluarga Sejahtera (PNM Mekaar) is a group-based capital service intended for underprivileged women of ultra micro businesses, both those who want to start a business or develop a business.

PNM ULaMM (Unit Layanan Modal Mikro) is a financing and business assistance service to micro and small enterprises (MSEs).

PNM has a Pengembangan Kapasitas Usaha dan Pengembangan Kelompok (PKU-PK) program that aims to provide assistance and guidance to ultra micro, micro and small business persons in Indonesia.

Management Services is a service that aims to strengthen financial institutions and the real sector. In addition, PNM Jasa Manajemen has a Partnership program in the form of channeling partnership funds aimed at MMSEs participants.