Business · Economy · 15 hrs ago
Indonesia’s OJK Plans Four Tiers for Online Lending Operators
Indonesia’s Financial Services Authority, known as OJK, plans to place online lending operators into four tiers under a proposed rule change.
The tiers would be based on operators’ financial health, the share of funding they direct to small and medium-sized businesses, and the rate at which they reject consumer complaints.
OJK says the plan is intended to improve governance and risk management, reward strong performance and protect consumers.
Under the draft, operators in tiers 2 to 4 could be exempt from an existing maximum-funding rule.
Those tiers would have different funding ceilings and limits on how much of an operator’s total funding can come from a single lender.
For tier 2, the proposed ceiling is 3 billion rupiah; it is 4 billion rupiah for tier 3 and 5 billion rupiah for tier 4.
OJK says it will set further rules on how operators are assigned to tiers.
Indonesia’s Financial Services Authority plans to group online lending operators into four tiers under a draft amendment to its 2024 regulation.
The proposed tiers would be based on operators’ health, lending to micro, small and medium-sized businesses, and rates of consumer complaint rejection.
The authority says the system is intended to improve operators’ governance and risk management, reward good performance and protect consumers.
Draft rules set different maximum funding limits and lender concentration caps for tiers 2 through 4.
- Who
- Indonesia’s Financial Services Authority (OJK) plans the system for online lending operators.
- What
- OJK proposes grouping operators into four tiers, with different funding limits and lender concentration caps for tiers 2 to 4.
- When
- OJK announced the plan on 12 October 2026.
- Where
- Indonesia.
- Why
- OJK says the system aims to improve operators’ health, governance and risk management, reward good performance and protect consumers.
This story does not have two clearly opposing sides.
This story does not have a timeline yet.
- Proposed tiers
- Four
- Draft regulation
- Amendment to OJK Regulation No. 40 of 2024
- Tier 2 maximum funding
- Rp3 billion
- Tier 3 maximum funding
- Rp4 billion
- Tier 4 maximum funding
- Rp5 billion
What people are saying
The grouping of online lending operators into four tiers aims to encourage improvements in operators’ health, governance and risk management, while also providing incentives for operators with good performance and maintaining consumer protection.
Sources
Related news
Pertamina Adjusts Fuel Supplies After Pertalite Queues in Bondowoso
Rupiah weakens to 17,920 per US dollar at Tuesday's open
Indonesia’s Jakarta Composite Index falls 0.85% in early trading
Village cooperative helps Pasuruan mango pickle seller double sales
Astra plans to buy more Astra Otoparts shares as PGEO completes five wells
PGUN Says It Was Not Involved in Share Pledges by Three Major Shareholders
A small group holds 95.58% of Mitratel shares, exchange says
Pertamina Links Long Fuel Queues in Jember to Delivery Schedule Changes
Pertalite runs out at three fuel stations in Bali's Klungkung
Indonesia Seeks Stronger Links Between Big Investors and Local Businesses
Indonesia’s Deputy Minister Says Inflation Is Driven Mainly by Supply Problems
