Set up your PT PMA
under 64953.
Sharia Business Unit for Information Technology-Based Peer-to-Peer Lending Services (Fintech P2P Lending)
Configure incorporation, virtual office, LKPM and tax/payroll in one screen. We send the quote, a consultant reaches out within 1 business day, and Emerhub files everything on your behalf — you don't need to be in Indonesia to do this.
Talk to a consultant first
No commitment
What's included.
Everything below is what we'd handle on your behalf — incorporation is one-time, the rest are annual. Tax & payroll auto-sizes from your team and transaction volume.
Registration with Ministry of Law (AHU), KBLI mapping, NIB issuance, deed of establishment. We file on your behalf — no need to be in Indonesia.
A commercially-zoned address that satisfies BKPM's domicile requirement, in either Jakarta, Bali or Surabaya. Includes mail handling.
Quarterly Investment Activity Report to BKPM — every PT PMA must file regardless of revenue. Late filings trigger written warnings, then NIB suspension.
Monthly bookkeeping, payroll runs, BPJS contributions, withholding tax (PPh), VAT (PPN), annual SPT — handled by Indonesian-licensed accountants.
Four weeks from quote to operating company.
- 01
Quote + intake
Within 1 business day. We confirm pricing, send a document checklist, and align on the KBLI.
- 02
AHU filing
5-10 business days. Deed of establishment, articles of association, Ministry of Law approval.
- 03
NIB + tax ID
2-3 business days. Business identification number issued via OSS, tax ID (NPWP) registered.
- 04
Operating
From week 4. Bank account opens (separate timeline), LKPM cycle begins, first quarterly report Q+1.
Prefer to talk it through first?
Common questions.
How long does PT PMA registration take?+
Once your documents are in (passport copies, shareholder details, KBLI selection), AHU registration typically completes in 5-10 business days. NIB issuance via OSS follows immediately. Add 2-4 weeks for bank-account opening, which depends on the bank.
Do I need to be in Indonesia to register?+
No. Every step is remote — we handle the AHU filing, deed of establishment, NIB issuance and tax-ID setup on your behalf. Physical presence is only sometimes required for bank-account opening, depending on which bank you choose.
What is the actual paid-up capital we have to put in?+
Under BKPM Reg. 5/2025, a foreign-owned PT PMA must have IDR 2.5 billion paid-up at incorporation (~USD 160K). Total investment commitment per KBLI must reach IDR 10 billion+, but that figure is realised over time and reported quarterly via LKPM — not put in upfront. Sector regulators (OJK for finance, Kemenkes for healthcare, etc.) can set higher minimums for specific activities.