Regulatory AlertsOJK Regulation No. 11 of 2025 on the Conduct of Guarantee Institution Business
The Financial Services Authority (OJK) issued Regulation No. 11 of 2025 to replace previous regulations and strengthen the guarantee industry by introducing stricter capital, risk management, and consumer protection requirements. The regulation mandates minimum equity levels ranging from IDR 50 billion to IDR 500 billion based on operational scope and establishes specific risk-sharing ratios for credit and trade transactions. It also sets a phased compliance timeline for existing institutions to meet new equity standards by 2026 and 2028 while repealing the prior 2017 and 2018 regulations.
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