Investor Relations Unit

As part of the Investor Relations Unit of the Republic of Indonesia (IRU-RoI), OJK IRU maintains close coordination with Bank Indonesia, the Ministry of Finance, the Coordinating Ministry of Economic Affairs, other related ministries, and institutions. OJK IRU responds to inquiries submitted via email and to requests made through formal letters. iru@ojk.go.id

Regulations

OJK Regulation Number 41/2025 concerning Representative Offices of Financing Institutions, Venture Capital Companies, and Other Financial Services Institutions with Headquarters Located Abroad This OJK Regulation (POJK) issued to provide legal certainty and support the supervision of representative offices in Indonesia for financing institutions, venture capital companies, and other financial services institutions headquartered abroad. The regulation establishes requirements for licensing, operations, fit and proper assessments, supervision, and reporting obligations for such representative offices (KPPVL), while ensuring the implementation of prudential principles and facilitating lawful cross-border cooperation and information exchange. It also requires existing foreign institutions operating in Indonesia to obtain approval for their representative offices within six months of the Regulation’s effective date, while allowing previously approved capital injections or financing activities to continue until their completion.
OJK Regulation Number 30/2025 concerning Implementation of Governance and Risk Management for Providers of Financial Sector Technology Innovation This OJK Regulation (POJK) was issued pursuant to Articles 269 and 270(3) of Law No. 4 of 2023 on Financial Sector Development and Strengthening, which mandate the issuance of regulations on governance and risk management for Financial Sector Technology Innovation (ITSK) providers. The regulation aims to promote sound governance practices to strengthen trust and competitiveness within the ITSK ecosystem, while ensuring that ITSK activities are supported by adequate, effective, and measurable risk management. It sets out requirements for the implementation of governance and risk management by ITSK providers and replaces certain governance, self-assessment, and risk management provisions previously stipulated under POJK No. 29 of 2024, POJK No. 4 of 2025, and POJK No. 3 of 2024. The Regulation was issued on 2 December 2025 and will take effect on 1 July 2026.
OJK Regulation Number 26/2025 concerning Management of Assets and Liabilities of Insurance Companies and Reinsurance Companies This OJK Regulation (POJK) issued to strengthen investment governance in insurance and reinsurance companies, is necessary to enhance risk management related to investment placements and to maintain financial soundness. In addition, more comprehensive regulations on investment diversification and investment placements with related and non-related parties are needed to support financial market deepening and optimize benefits for policyholders. Considering the development of the insurance industry, the provisions under POJK No. 71/POJK.05/2016 and its amendments are no longer adequate and therefore need to be replaced with a more relevant regulation.
OJK Regulation Number 23/2025 concerning Amendment to POJK 27/2024 concerning Provision of Trading of Digital Financial Assets Including Crypto Assets This regulation was issued in response to the growing market for products and/or activities that resemble conventional financial instruments, including digital financial asset derivatives, requiring strengthened oversight and an expanded regulatory scope for Digital Financial Asset Trading Operators.
POJK Number 16/2025 concerning Fit and Proper Test and Reassessments for Key Parties in Financial Sector Technological Innovation, Digital Financial Assets and Crypto Assets This POJK establishes integrated provisions to ensure a sound IAKD ecosystem—covering FSTI (ITSK), Digital Financial Assets, and Crypto Assets—by requiring Fit and Proper Tests for prospective Key Parties and Reassessments where necessary.
OJK Regulation Number 24/2025 concerning Accounts Management in Commercial Banks This regulation was issued to prepare as a step to strengthen governance in customer account management and enhance consumer protection within the banking sector. In current practice, customer account management policies are determined based on each bank’s internal policies, which may lead to differences in treatment across banks and potentially disadvantage customers. This regulation is designed to provide certainty and protection for customers through the standardization of account management in the banking industry and to prevent the misuse of customer accounts.
OJK Regulation Number 11/ 2025 concerning Business Operation of Guarantee Institutions This regulation is issued to enhance the capacity of the guarantee sector in supporting MSMEs and cooperatives and to establish a sound and sustainable guarantee industry, in line with the 2024–2028 Roadmap for the Development and Strengthening of the Indonesian Guarantee Industry. It replaces the previous provisions under POJK Number 2/POJK.05/2017 as amended by POJK Number 30/POJK.05/2018, which are no longer aligned with current developments.
OJK Regulation Number 40/2024 concerning Peer-to-Peer Lending Services POJK 40/2024 was issued under the mandate of the Financial Sector Development and Strengthening Law (UU PPSK No. 4/2023), to enhance supervision, accountability, and risk mitigation in Information Technology-Based Joint Funding Services (commonly known as P2P lending platforms)
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