The Financial Services Authority (OJK) issued Regulation No. 35 of 2025 to amend OJK Regulation No. 46 of 2024, aiming to enhance the competitiveness, efficiency, and flexibility of financing, infrastructure financing, and venture capital companies. The regulation introduces significant changes including a minimum core capital ratio of 50%, exemptions from collateral requirements for working capital facilities up to IDR 100 million, and the allowance of zero percent down payments for motor vehicle financing. It also establishes new risk mitigation measures, adjusts ownership change reporting requirements, and defines specific exclusions for investment financing to micro, small, and medium enterprises.