Financial Crime World

Risk-Based Approach to Compliance in Indonesia

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Indonesia has introduced a risk-based approach to business licensing, aimed at simplifying and streamlining the process for entrepreneurs. The regulation, known as GR 5/2021, assesses business activities based on their potential hazards, with four risk levels: low-risk, medium-low risk, medium-high risk, and high-risk.

How it Works

The government will conduct a risk analysis for each application, taking into account factors such as:

  • Scale of hazards
  • Potential occurrence
  • Business scale rating

Based on this assessment, businesses will be classified into one of the four risk categories. The risk level determines the licensing requirements, which can range from a simple online registration to a more comprehensive verification process.

Licensing Requirements by Risk Level


Low-Risk Businesses

  • Require only an Online Single Submission (OSS) registration number, known as Nomor Induk Berusaha (NIB)
  • NIB serves as:
    • Company’s import identification number
    • Social insurance registration

Medium-Low Risk Businesses

  • Need to obtain both an NIB and a Certificate of Standards before commencing operations
  • May also require completion of the Environmental Management and Monitoring Efforts form through the OSS system

Medium-High Risk Businesses

  • Need to obtain an NIB and Certificate of Standards, with verification by the central or regional government required before commencing commercial operations

High-Risk Business Activities

  • Require a license to operate, issued once specific conditions and verifications are fulfilled
  • NIB allows these businesses to conduct activities in preparation for commercial operations

Implementation and Impact


GR 5/2021 replaces GR 24/2018 and will be fully implemented through the OSS system by June 2021. The regulation impacts 16 sectors, including defense, energy, agriculture, and more.

The risk-based approach is expected to simplify business licensing requirements for low-risk businesses while ensuring that high-risk activities are thoroughly regulated. With its implementation, Indonesia aims to promote economic growth and attract foreign investment.

About Us


ASEAN Briefing is produced by Dezan Shira & Associates, a firm that assists foreign investors throughout Asia and maintains offices in multiple countries, including Singapore, Vietnam, Germany, the United States, Italy, and more. Contact us at asia@dezshira.com or visit our website at www.dezshira.com.