Loan Documentation
Drafting and reviewing loan agreements, credit facilities, and bilateral/multilateral financing.
Surabaya · East Java · Indonesia
Finance Lawyer Surabaya — Banking, Lending & Financial Regulation
Integra Law Office provides finance legal services in Surabaya — advising on banking, lending, project finance, and financial regulatory compliance. We represent lenders and borrowers across East Java, with deep experience in Indonesian financial law.
Financial law expertise in East Java.
Surabaya is East Java's financial centre, with major banks, multifinance companies, and regional development banks operating alongside a growing fintech sector. Financial transactions here require careful structuring under Indonesian banking law (UU 10/1998), OJK regulations, and BI circulars.
Finance legal work in Surabaya ranges from simple loan agreements to complex project finance structures. Lenders need robust security documentation. Borrowers need to understand their obligations and negotiate fair terms. Both parties need counsel who understand how Indonesian courts enforce financial agreements.
We advise banks, multifinance companies, and corporate borrowers on financial transactions across East Java — from syndicated loans to trade finance, from project finance to debt restructuring.
When you need a finance lawyer.
Structuring a loan or credit facility and needing compliant documentation.
Borrowing from a bank or financial institution and needing to review and negotiate the terms.
Establishing a multifinance, fintech, or peer-to-peer lending company and requiring licensing support.
Requiring security documentation — mortgage, fiducia, pledge, or hypothec.
Facing a non-performing loan situation and needing enforcement or restructuring advice.
Structuring project finance for infrastructure, energy, or real estate development.
Indonesian financial law framework.
Banking activities are governed by the Banking Law (UU 10/1998) and OJK regulations. OJK supervises banks, securities companies, insurance companies, and pension funds. The Financial Services Authority (OJK) has broad regulatory and enforcement powers over the financial sector.
Key areas include lending regulations (OJK provisions on credit administration), security interests (UU 4/1996 on Mortgage, UU 42/1999 on Fiducia), and anti-money laundering requirements (PP 19/2018). Financial technology is regulated under OJK regulations on peer-to-peer lending and digital financial innovation.
Legal References
How Integra handles finance matters.
We represent both lenders and borrowers — giving us perspective from both sides of the table. For lenders, we focus on enforceability and risk mitigation. For borrowers, we focus on fair terms and hidden obligations.
Our finance practice integrates with our restructuring and insolvency expertise — allowing us to anticipate enforcement scenarios during the drafting stage and structure transactions accordingly.
Finance Law Services
Security Documentation
Mortgage (HT), fiducia, pledge, and hypothec — registration and enforcement.
Project Finance
Structured financing for infrastructure, energy, and real estate — EPC contracts, concession agreements.
Financial Regulatory
OJK compliance, licensing for multifinance and fintech, AML/CFT requirements.
Trade Finance
Letters of credit, bank guarantees, and trade finance documentation for import/export transactions.
Frequently Asked Questions
What types of security are available in Indonesia?
The main types are: Mortgage (Hak Tanggungan) for land and buildings, Fiducia for movable assets, Pledge for physical possession of movable assets, and Hypothec for ships and aircraft. Each has different registration and enforcement requirements.
Can foreign banks lend to Indonesian companies?
Yes, through offshore lending or via a licensed branch. Offshore lending is permitted but subject to BI reporting requirements and certain restrictions. The borrower must comply with foreign exchange regulations.
What happens if a borrower defaults?
Options include: negotiating a restructuring, executing fiducia security through Parate Eksekusi, filing a mortgage execution through the district court, or filing a civil lawsuit. The best approach depends on the security documentation and the debtor's financial condition.
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Request a private consultation.
Describe your finance legal needs. A senior partner will respond within one business day.
Last reviewed: · by Budiarmanto Setyo Hutomo, S.H., M.H.