Main Regulations

1. Regulation of Financial Services Authority on Business Licensing and Institutional of Financing Institution No.28/POJK.05/2014;
2. Regulation of Financial Services Authority on Finance Company Business Operation No. 35/POJK.05/2018;
3. Regulation of Financial Services Authority on Good Governance for Financing Institution No.30/POJK.05/2014.

Types of Business Activities and Method of Financing :

A. Business Activity of Finance Company

1. Financing :
   1. Investment Financing;
   2. Working Capital Financing;
   3. Multipurpose Finance; and/or
   4. Other financing activity based on OJK approval.
2. Non-Financing :
   1. Operating Lease;
   2. Fee-based activity which are not contrary to the laws and regulations in the financial services sector.

B. Method of Financing

1. Investment Finance :
   1. Finance Lease;
   2. Sale and Leaseback;
   3. Factoring with Recourse;
   4. Factoring without Recourse;
   5. Purchase with Installment Repayment;
   6. Project Finance;
   7. Infrastructure Finance;
   8. Other financing after obtaining prior approval from OJK.
2. Working Capital Finance :
   1. Sale and Leaseback;
   2. Factoring with Recourse;
   3. Factoring Without Recourse;
   4. Working Capital Facility; and/or
   5. Other finances after obtaining prior approval from OJK.
3. Multipurpose Finance :
   1. Finance Lease;
   2. Purchase with Installment Repayment;
   3. Fund facilities; and/or
   4. Other finances after obtaining prior approval from OJK.