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 2/2026 concerning Mutual Funds in the Form of Collective Investment Contracts Which Participation Units Are Traded on the Stock Exchange with Gold as the Underlying Assets This OJK Regulation (POJK) was issued to support Indonesia’s economic development and accelerate capital market deepening by introducing a new exchange-traded investment product with gold as its underlying asset. It establishes a regulatory framework for gold exchange-traded fund (Gold ETF), including requirements for collective investment contracts, Sharia-compliant Gold ETFs, the issuance and initial listing of participation units, fund management, prospectuses, and general meetings of participation unit holders. It also sets out the obligations and restrictions applicable to investment managers and custodian banks, as well as provisions concerning participating dealers, sponsors, mutual fund securities selling agents, and Electronic Gold Receipt. The Regulation became effective upon its promulgation on 23 February 2026.
OJK Regulation Number 1/2026 concerning Use of Foreign Workers and Knowledge Transfer Programs by Commercial Banks This OJK Regulation (POJK) was issued to strengthen the resilience and competitiveness of Indonesia’s banking industry, support national economic development in strategic sectors, and enhance knowledge transfer and human capital development in the banking sector through an adaptive and balanced framework for the employment of foreign workers. The Regulation establishes requirements for positions and areas of responsibility that may be assigned to foreign workers, a maximum employment period of foreign workers, and the obligations of commercial banks or representative offices of bank domiciled abroad (Kantor Perwakilan dari Bank yang Berkedudukan di Luar Negeri/KPBLN) in employing foreign workers. Effective upon its promulgation on 23 February 2026, the Regulation replaces OJK Regulation Number 37/POJK.03/2017 on the Use of Foreign Workers and Knowledge Transfer Programs in the Banking Sector.
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 32/2025 concerning Provision of Buy Now Pay Later (BNPL) This OJK Regulation (POJK) was issued to provide legal certainty, strengthen governance, and protect consumer interests and financial sector stability in the provision of Buy Now Pay Later (BNPL) services as part of the digital financing ecosystem. The regulation establishes requirements for the provision of BNPL by Commercial Banks and Financing Companies, operating under either conventional or Sharia Principles. It regulates BNPL characteristics, consumer protection, cooperation arrangements, information disclosure, collection, reporting, and the termination of BNPL services. It also requires banks and financing companies that had been providing BNPL services prior to the issuance of the Regulation to align their services with the prescribed BNPL characteristics within six months of the Regulation’s promulgation, while existing BNPL financing and cooperation agreements remain valid until their respective expiration.
OJK Regulation Number 31/2025 concerning Application of Governance for Stock Exchanges, Clearing and Guarantee Institutions, as well as Depository and Settlement Institutions This OJK Regulation (POJK) was issued to strengthen the governance of Self-Regulatory Organizations (SROs) in line with their expanding roles in supporting the development of the capital market, financial derivatives, carbon exchange, and broader financial markets. The regulation establishes governance requirements for the Stock Exchange, Clearing and Guarantee Institution, as well as Depository and Settlement Institutions, covering the duties and responsibilities of the Board of Directors and Board of Commissioners, committees, conflicts of interest, internal and external audit, risk management and internal controls, information technology, subsidiary oversight, remuneration, investment policies, strategic planning, anti-fraud and anti-bribery measures, sustainable finance, stakeholder governance, document retention, and complaint handling.
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 25/2025 concerning Amendment to POJK 49/2024 concerning The Supervision, Determination of Supervision Status and Follow-Up Supervision of Financing Institutions, Venture Capital Firms, Microfinance Institutions and Other FSIs This OJK Regulation (POJK) amends POJK No. 49 of 2024, as the economic moderation may affect borrowers’ repayment capacity and the equity to paid-up capital ratio, as well as to adjust the additional implementation of a transition period regarding the parameter of the ratio of equity to paid-up capital for Microfinance Institutions. It also introduces changes to the scope of supervision of Microfinance Institutions. This POJK is based on Act No. 21 of 2011, as amended by Act No. 4 of 2023; Act No. 1 of 2013, as amended by Act No. 4 of 2023; Act No. 4 of 2023; and POJK No. 49 of 2024.
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