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Innovative Credit Scoring Regulation in Indonesia: too Little, too Late?

In: Proceedings of the 2nd International Conference on Business, Accounting, Banking, and Economics (ICBABE 2025)

Author

Listed:
  • Taofik Hidajat

    (Universitas BPD)

  • Andy Ismail

    (Darwan Ali University Sampit)

Abstract

Design/methodology/approach – This paper uses a qualitative approach by analyzing credit scoring regulations in Indonesia. Data sources are primary legal material in the form of statutory regulations and secondary legal material in the form of literature from scientific journal articles, books, and other sources related to credit scoring. Purpose – Innovative credit scoring is a solution for scoring potential borrowers who have no credit history. This paper examines the regulatory issue of innovative credit scoring because there are no regulations that specifically regulate this approach in Indonesia. Findings – There are no regulations that specifically regulate innovative credit scoring in Indonesia. Practical implications - This paper emphasizes the importance of special regulations for innovative credit scoring involving the banking industry, society, business actors, and innovative credit scoring actors. Originality/value – Discussions about innovative credit scoring are relevant today because approaches that use non-traditional data are interesting in credit scoring. This investigation helps illustrate attention to the importance of alternative credit scoring.

Suggested Citation

  • Taofik Hidajat & Andy Ismail, 2025. "Innovative Credit Scoring Regulation in Indonesia: too Little, too Late?," Advances in Economics, Business and Management Research, in: Ali Mursid & Fitri Lukiastuti (ed.), Proceedings of the 2nd International Conference on Business, Accounting, Banking, and Economics (ICBABE 2025), pages 26-37, Springer.
    • Handle: RePEc:spr:advbcp:978-94-6463-862-2_4
    DOI: 10.2991/978-94-6463-862-2_4
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