Jakarta, hitclubapk3 Indonesia
—
Government
ensure that intellectual property (KI)-based financing officially becomes part of the government’s credit policy.
This decision was taken after the proposal for KI-based People’s Business Credit (KUR) funding of IDR 10 trillion was approved by Minister of Finance Purbaya Yudhi Sadewa and Coordinating Minister for the Economy Airlangga Hartarto at the National Committee Coordination Meeting, Monday 17 November 2025.
With this approval, Indonesia is positioned as the 15th country in the world that provides IP-based financing schemes for Micro, Small and Medium Enterprises (MSMEs) and creative economy players.
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Minister of Law Supratman Andi Agtas emphasized that his party had coordinated across ministries and institutions to realize this scheme.He hopes that intellectual property owners will soon be able to access wider financing through KUR and non-KUR facilities in accordance with Government Regulation Number 24 of 2022.
This is because the need for funding for research and innovation development, especially from universities and research institutions that produce IP-based products, still experiences limited capital.
“We have taken initial steps together with BRI, and we are also asking the Financial Services Authority (OJK) so that both bank and non-bank financing can implement the government’s credit policy after the existence of an intellectual property assessment agency,” explained Supratman on Monday (17/11) in Jakarta.
He said that the scheme that will be used in 2026 in submitting basic collateral for creative economy players begins with submitting intellectual property-based projects to investors.The bank itself will be charged interest of 2.4% per year.
Previously, initial realization had begun in collaboration between the Ministry of Law, the Ministry of Cooperatives and SMEs, and BRI in mid-2025. The government is targeting expansion to patent certificates, industrial designs, and copyright registration after the regulatory and valuation schemes are strengthened.
Implemented in various countries
Plt.Director General of Intellectual Property Hermansyah Siregar explained that KI-based financing schemes are not something new because they have been implemented in various countries and shown significant results.
Global trends show that investment in intangible assets such as software, research and development, branding, and design has exceeded tangible investment since 2009 and will continue to grow until 2024.
This shift shows that the world’s economic value now rests on creativity and innovation, not just physical assets.
With Indonesia’s creative economy workforce reaching 26 million people and a total of 63 million MSMEs continuing to produce local works and brands, IP-based financing schemes are considered to have great potential to fill the national financing gap.
“DJKI’s task in the future is to ensure valuation standards, integration of KI data, and the quality of legal protection that are truly capable of supporting this scheme,” said Hermansyah.
(hope)
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