Regulatory AlertsAssessment of the Health Level of Information Technology-Based Joint Financing Service Providers
The Financial Services Authority (OJK) issued ADK Member Regulation 38/PADK.06/2025 to establish a mandatory health level assessment framework for Information Technology-Based Joint Financing Service Providers (LPBBTI). The regulation requires all LPBBTI operators to maintain a minimum Composite Rating of 3 and outlines a risk-oriented evaluation methodology covering capitalization, funding quality, profitability, liquidity, and management factors. It details the quantitative and qualitative assessment procedures, defines a five-tier composite rating scale, and authorizes the OJK to verify submitted data and apply judgment-based adjustments to final ratings.
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