What is OJK POJK 10/2022?

POJK 10/2022 is a regulation by Indonesia's Otoritas Jasa Keuangan (financial services authority) governing Information Technology-Based Joint Funding Services — the licensed regulatory category covering peer-to-peer lending and fintech lending platforms in Indonesia. It replaced the earlier POJK 77/2016 with stricter licensing, conduct, prudential, and consumer-protection rules.

Who must comply with POJK 10/2022?

All OJK-licensed fintech lending operators in Indonesia, including their AI vendors and third-party service providers handling customer-impacting decisions (credit scoring, collections, identity verification, fraud detection).

What conduct rules does POJK 10/2022 impose on collections?

POJK 10/2022 prohibits abusive collection practices: no threats or intimidation; no contact with third parties (family, employer, references) about debt; no contact outside reasonable hours; mandatory identification at start of every interaction; full interaction logs retained for OJK audit; channel-preference honoring; and accessible complaints process.

Does POJK 10/2022 apply to AI voice agents?

Yes. The conduct rules apply identically to AI voice and SMS agents. The licensed operator is responsible for AI agent compliance. AI agents must identify as automated, honor opt-outs, respect contact-time rules, and produce audit-ready interaction logs.

How does POJK 10/2022 relate to UU PDP?

UU PDP (Indonesia's Personal Data Protection Law, 2022) governs personal data handling generally. POJK 10/2022 governs fintech lending conduct specifically — including data-handling rules for the lending sector. They overlap on data privacy but POJK 10/2022 covers the broader scope of lending operations.

What languages must AI agents support for Indonesian compliance?

Indonesian (Bahasa Indonesia) is the primary required language for customer-facing interactions in Indonesia. Multi-regional dialects (Javanese, Sundanese, Bahasa Bali) are appreciated by users but Bahasa Indonesia is the regulatory baseline.

How is Nova Solutions aligned with POJK 10/2022?

Nova for Finance ships with the conduct controls POJK 10/2022 requires: contact-time enforcement based on Indonesia timezone (typically 8am-8pm Jakarta local); mandatory identification scripts at conversation start; opt-out detection and immediate cessation; channel-preference honoring; full transcript + outcome logs retained for OJK audit; native Bahasa Indonesia voice + SMS templates; no third-party contact. Indonesia-licensed fintech lenders deploying Nova do not have to retrofit POJK 10/2022 compliance.

OJK POJK 10/2022 — Indonesian Fintech Lending Regulation

Also known as: POJK 10/2022 · OJK Regulation 10/2022 · LPMUBTI Regulation

By Landon Little, Founder of Zentarai Labs · Updated May 13, 2026

TL;DR

POJK 10/2022 is the Otoritas Jasa Keuangan regulation governing Indonesian fintech lending platforms (Information Technology-Based Joint Funding Services). Replaced POJK 77/2016 with tighter licensing, conduct, prudential, and consumer-protection rules. Applies to AI voice/SMS agents identically — same conduct envelope as human agents.

OJK POJK 10/2022 is the Indonesian regulation governing licensed peer-to-peer lending and fintech lending platforms. Issued by Otoritas Jasa Keuangan (OJK), Indonesia's financial services authority, it replaced the earlier POJK 77/2016 with substantially tighter rules on licensing thresholds, prudential capital, conduct of business, and consumer protection.

What POJK 10/2022 requires

Licensing — minimum paid-up capital increased; OJK approval required for ownership changes; foreign ownership capped per current OJK rules
Conduct of business — borrower onboarding through verified channels; disclosure of effective interest rate; prohibition on hidden fees
Collection conduct — no threats or intimidation; no third-party contact about debt; restricted contact hours; mandatory identification at start of every interaction; full audit logs retained
Risk management — credit scoring methodology disclosure to OJK; concentration limits; mandatory NPL reporting
Data protection — alignment with UU PDP (Personal Data Protection Law); customer data localization preferences
Complaints handling — accessible complaints channel; OJK-monitored resolution timelines

Conduct rules for collections (and AI agents)

POJK 10/2022 codifies the collection-conduct envelope that applies regardless of whether the contact is human or AI-driven:

No threats or abusive language
No third-party contact about the debt (family, employer, references)
Contact within reasonable hours — typically 8am-8pm Jakarta time, respecting borrower preferences
Identification at start — caller identifies the lending operator and themselves; AI agents identify as automated when asked
Honest disclosure — outstanding balance, applicable fees, calculation basis
Channel honoring — if borrower requests SMS only, voice contact is disabled
Full audit logs — every interaction (time, channel, content, outcome) retained per OJK audit window
Accessible complaints — borrowers can file complaints directly with OJK

POJK 10/2022 + UU PDP — overlapping surfaces

UU PDP (Personal Data Protection Law, 2022) governs personal data collection, processing, and disclosure in Indonesia generally. POJK 10/2022 governs fintech lending conduct specifically. They overlap on data privacy rules but POJK 10/2022 is sector-specific and broader — covering lending operations beyond data handling.

Language requirement

Bahasa Indonesia is the regulatory baseline for customer-facing interactions. Regional dialects (Javanese, Sundanese, Balinese, Minangkabau) are appreciated by users but Bahasa Indonesia is the floor. AI agents must default to Bahasa Indonesia and switch to regional dialects only on confirmed customer preference.

How Nova Solutions is POJK 10/2022-aligned

Nova for Finance is built around the POJK 10/2022 conduct envelope from the call-flow design level:

Time-window enforcement — calls only fire between 8am-8pm Jakarta time, with respect for borrower-specified preferences
Identification script at start — the agent identifies the lending operator + itself as automated
Opt-out detection — if the borrower says "berhenti menelepon" or English equivalent, the agent ends the call and the system marks opt-out
Channel honoring — if borrower says "SMS saja", voice contact is disabled
Transcript + outcome logs — every interaction recorded with full transcript, timestamp, and resolution, retained per OJK audit window
No third-party contact — agent does not call references or employer
Native Bahasa Indonesia — voice + SMS templates, no Google-Translate localization

Related rules

POJK 10/2022-aligned AI lending agents

Nova for Finance ships with the conduct enforcement, audit logs, and Bahasa Indonesia voice that Indonesian fintech lenders need to clear OJK supervision.

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