November 19, 2025 | 04:22 pm
TEMPO.CO, Jakarta - The Indonesian government has officially allocated Rp10 trillion in Microcredit (KUR) funding to be channeled based on Intellectual Property (IP) assets. The new credit mechanism, proposed by the Ministry of Law, was approved by the Coordinating Ministry for Economic Affairs and the Ministry of Finance.
Minister of Law Supratman Andi Agtas stated that the IP-backed microcredit aims to provide intellectual property owners with access to broader financing options. He noted that institutions developing IP-based products often face capital limitations despite strong market potential.
"The market guarantee is there, and the legal regulations are ready. What has been lacking is research funding. With the IP-based KUR, we can accelerate innovation development," Supratman said in a press release on Wednesday, November 19, 2025.
He explained that the funding will commence in 2026. The scheme allows creative economy players to use intellectual property projects as their main collateral. Banks will offer a competitive interest rate of 2.4 percent per year.
For implementation, banking and non-banking institutions will require a project valuation estimate from certified IP valuation agencies. The final loan amount will be determined by this valuation. Should more capital be required, IP certificate holders may also apply for additional collateral.
Supratman confirmed that the government will spend the remainder of the year preparing instruments and training valuers to ensure the policy's smooth implementation in 2026. He noted that initial cooperation had already begun in mid-2025 between the Ministry of Law, the Ministry of Cooperatives and SMEs, and state lender BRI.
"The government targets the expansion of patent certificates, industrial designs, and copyright registrations after the regulatory scheme and valuation standards are strengthened," he added.
Global Trend and National Gap
Acting Director General of Intellectual Property (DJKI) at the Ministry of Law, Hermansyah Siregar, stated that IP-based financing is a proven concept globally. He cited a global trend showing that investment in intangible assets, such as software, research and development, trademarks, and designs, has surpassed tangible investments since 2009 and continued to grow through 2024.
"This shift demonstrates that the world economy's value now depends on creativity and innovation, not just physical assets," Hermansyah said.
Hermansyah emphasized that this scheme has the potential to fill the national financing gap, considering Indonesia has 26 million creative economy workers and 63 million SMEs producing local works and brands. "The future tasks of the DJKI are to ensure valuation standards, integrate IP data, and provide quality legal protection that can truly support this scheme," he concluded, urging the public and SMEs to register their intellectual property through official DJKI services immediately.
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