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Shared ownership: rethinking collateral for Indonesia’s digital economy
Indonesia’s transition toward a greener and more digital economy is changing not only what people buy but also how they use and finance assets. Electric vehicles (EVs), subscription-based fleets and digital leasing models are introducing new ways to deploy capital without requiring full ownership. However, Indonesia’s current financing framework — built on the notion that every loan must be backed by a tangible, fully owned asset — lags behind t…
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Shared ownership: rethinking collateral for Indonesia’s digital economy
Indonesia’s transition toward a greener and more digital economy is changing not only what people buy but also how they use and finance assets. Electric vehicles (EVs), subscription-based fleets and digital leasing models are introducing new ways to deploy capital without requiring full ownership. However, Indonesia’s current financing framework — built on the notion that every loan must be backed by a tangible, fully owned asset — lags behind t…
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