Advisory

Indonesia’s non-bank financing industry is undergoing a structural transformation driven by digitalization and financial ecosystem integration. Financing companies are no longer operating independently but are connected with banks, capital markets, insurance, fintech, and digital platforms. This ecosystem approach expands funding diversification, financing distribution, and integrated risk management capabilities. Modern financing ecosystems also rely on partnerships, … Read more

Business plans for financing companies must evolve beyond traditional assumptions of market stability and linear growth. In today’s volatile and rapidly changing environment, effective business planning requires disciplined thinking, realistic assumptions, and strong execution capabilities. Financing companies face pressures from fluctuating interest rates, changing customer behavior, and increasing competition from fintech and digital platforms. Companies … Read more

Validation of the Expected Credit Loss (ECL) model is essential to ensure compliance with regulations such as POJK, PSAK, IFRS 9, and Basel II and III. This process not only supports regulatory compliance but also enhances credibility, governance, and investor confidence. The validation approach combines qualitative and quantitative assessments covering data inputs, model design, and … Read more

ILAAP complements regulatory ratios such as LCR and NSFR with a more comprehensive risk-based internal approach. Its implementation is phased according to bank categories, aiming to ensure liquidity resilience under both normal and stress conditions. ILAAP emphasizes alignment between risk profile, business strategy, and strong governance. It also introduces new liquidity risk metrics, enhanced stress … Read more

IPO provides broader access to funding, enhances credibility, and promotes the implementation of good corporate governance. However, the process requires comprehensive preparation, including financial, legal, operational, and investor communication aspects. The IPO journey consists of strategic planning, internal preparation, transaction execution, and post-IPO obligations. Each phase requires careful planning and professional support. The implementation of … Read more

The implementation of PSAK 413 aims to ensure more accurate and transparent asset valuation in the financial statements of Islamic entities. PSAK 413 complements previous standards such as PSAK 109, PSAK 402, as well as ISAK 401 and ISAK 402. The development of this standard is part of efforts to strengthen the accounting framework for … Read more

Generative Artificial Intelligence (GenAI) plays a significant role as a solution for business optimization in the era of digital transformation. In business, GenAI enhances operational efficiency and supports data-driven decision-making. This technology works synergistically with analytics to transform data into easily understandable insights. Its implementation covers various financial processes such as Record to Report (R2R), … Read more