税务、银行与金融科技
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Otoritas Jasa Keuangan (OJK) Regulatory Circular
Financial Services Authority (OJK) Releases Expanded Framework for Fintech Lending and Digital Equity Financing
Executive Legal Takeaway
OJK sets updated capital adequacy requirements, maximum interest caps, and mandatory credit scoring integration for peer-to-peer (P2P) lenders and securities crowdfunding platforms.
OJK has rolled out its roadmap for institutional strengthening of Indonesian digital finance. The new framework enforces rigorous risk management:
Key Points:
1. **Interest Rate & Fee Caps:** Lending platforms must cap combined daily economic benefits (interest, fees, and penalties) to prevent predatory practices and foster sustainable market borrowing.
2. **Equity Crowdfunding (SCF):** Small and medium enterprises (UMKM) can raise up to IDR 10 Billion in equity or debt securities without a full public IPO on the Indonesia Stock Exchange (IDX).
3. **Escrow and Virtual Account Separation:** All user funds must remain segregated in tier-1 commercial banking escrows, mitigating commingling risks and protecting liquidity.
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