2022 State Budget: Fiscal Policy and Structural Reform
OJK Policy and Stimulus 2021
Restructuring Policy
Extension until March 2023 (Banking) and
April 2022 (Multifinance)
Debtors can restructure credit/recurring
financing during the relaxation period as long
as they still have business prospects and
without unreasonable/excessive costs.
Residentials Loan
Down Payent 0-30% (LTV ≥70%)
Down Payent 30-50% (LTV 50-70%)
Down Payent ≥ 50% (LTV ≤ 50%)
RWA35%
RWA 25%
RWA 20%
Source: Financial Service Authority (OJK)
LP
Market Stabilization Policy
Short Selling Ban
Trading Halt
Auto Rejection Limit Adjustment
Share Buyback Without GMS
(RUPS)
Vehicle Loan
Digitalisation of MSME
Expanding the MSME digitization
ecosystem from upstream to
downstream with the UMKM-MU
platform, and BWM Mobile
1.
2.
RWA (ATMR) for vehicle loan: 100% ⇒ 50%
Banks with risk profile 1 and 2 may provide loan
for automotive sector:
Health Sector Credit
0% Down Payment
3.
RWA (ATMR) for credit in health sector:
100% → 50%
RWA for battery/electric vehicle manufacturers
(KBLBB): 100% ⇒ 50%
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