Jakarta · Institutional financing against IDX-listed equity
enquiries@indonesiastockloans.com
Indonesia Stock LoansJakarta · IDX / BEI
EN · ID
Get a Quote

Collateral strength calculator for IDX-listed shares.

A quick, illustrative way to see how a concentrated Indonesian-listed position reads as collateral — and which of its features help or hurt — before you speak to anyone. It runs entirely in your browser, keeps nothing, and returns a plain-English reading, never a ratio.

Illustrative / indicative only

This is not an offer, a quotation, or a commitment to lend. The reading below is produced by a simple, transparent rule of thumb and does not reflect anyone's assessment of your actual holding. We publish no loan-to-value band, because loan-to-value is a property of the collateral rather than of the product: the real ratio is driven by the liquidity, volatility, free float, and shareholder concentration of the specific IDX-listed counter, together with position size and the chosen structure. Actual terms are set case by case and confirmed only after a review of the actual holdings — usually within 2 to 3 business days.

01 · Read the position
Six inputs

Describe the position.

Choose the closest option for each. The tool weighs the same drivers set out in how much you can borrow and tells you, in plain English, how the position reads. Nothing is sent anywhere.

The calculator needs JavaScript to run. With it off, the drivers still hold: liquidity and free float, volatility, concentration, tenor, and recourse each shape what can be advanced, and terms are confirmed only after a review of the actual holdings. See how much you can borrow, or request a confidential quote.

02 · Methodology
How the heuristic works

A transparent rule of thumb — nothing hidden.

So the reading is never a black box, here is exactly what the tool does. It is deliberately simple, and deliberately qualitative.

  • 01
    Start from the collateral, not a rate card. The tool has no starting ratio and no published band, because loan-to-value is a property of the collateral rather than of the product. It begins from a neutral reading of the position and lets the drivers move it.
  • 02
    Weigh liquidity & free float. Deeper average daily trading value and a larger free float support a higher advance; a thin, closely-held counter pulls it down. This is the single largest input.
  • 03
    Weigh volatility. A share that swings sharply needs a larger buffer, and that buffer comes out of the advance. Stable names hold their advance better.
  • 04
    Weigh concentration. Your position is measured against the stock's float and daily volume — a stake worth weeks of trading volume is treated more cautiously than one that is small next to the market.
  • 05
    Weigh recourse. A non-recourse structure, where the lender can look only to the shares, is typically more conservative on the advance than a full-recourse one; sector and size adjust the framing.
  • 06
    Return a verdict, then a tenor. The factors are combined into a single reading — a lower, mid-range, or higher advance — alongside what pushed it each way, with a typical tenor of 12–36 months. It is never a ratio, because loan-to-value is confirmed only after a review of the actual holdings.

The weightings are illustrative constants chosen for education, not a pricing model, and they only rank drivers against one another — they are never converted into a ratio or an amount. The calculator does not know your actual ticker, price history, or free float, so it cannot and does not produce a firm figure. Everything runs client-side; no inputs are collected or transmitted.

How a stock loan is structured →
03 · FAQ
Common questions

About this calculator.

01Is this a quotation?
No. This calculator is illustrative and educational only. It is not an offer, a quotation, a commitment to lend, or financial advice, and it does not guarantee any terms. It reads the shape of a position from a simple, disclosed heuristic and places it in one of three broad bands — a lower, mid-range, or higher advance. It is not a decision from anyone who has seen your actual holding. Terms are confirmed only after a review of the actual holdings, usually within 2 to 3 business days.
02How is the verdict worked out?
The tool weighs the drivers this site already publishes against one another: liquidity and free float, volatility, position concentration, and the recourse profile you prefer. Thinner liquidity, higher volatility, a larger concentration relative to float, and a more conservative (non-recourse) preference push toward a lower advance; deep liquidity, low volatility, a modest position, and a full-recourse preference push toward a higher advance. Sector and position size adjust the framing. What comes back is a qualitative reading and a list of what helped and what hurt — never a ratio, because loan-to-value is a property of the collateral rather than of the product. See how much you can borrow against Indonesian shares.
03Why does my sector matter?
Sector is a starting point, not a verdict. It signals typical liquidity patterns, volatility, and the regulatory texture around a counter — for example, banking and media names carry foreign-ownership limits under the Positive Investment List that can shape what is possible. A deep LQ45 bank trades very differently from a thinly-held growth name, and the reading reflects that. But the financing is always sized to the specific holding, so sector only nudges the framing here.
04Does the calculator send or store my inputs?
No. Everything runs entirely in your browser. Nothing you enter is transmitted, saved, logged, or shared, and there is no network call behind the calculation. You can use it without contacting anyone. If you later want terms on your actual holding, you choose what to share when you make a confidential enquiry.
05Why is no loan-to-value band published?
Because loan-to-value is a property of the collateral, not of the product. Two positions of identical value can support very different advances if one is a deeply liquid blue chip and the other a closely-held growth company. The lender's real question is how easily and at what price the collateral could be realised if it ever had to be — and the answer to that, not the headline market value, governs what can be advanced. No honest ratio exists before the actual holdings have been reviewed, so we publish none and quote none.

This page and its calculator are general information about share-backed financing in Indonesia and are not legal, tax, or financial advice. The reading is illustrative and depends on the specific holding and structure. Obtain advice from qualified Indonesian counsel and a tax adviser before acting. For definitions of the terms used here, see the glossary.

Want terms on the actual holding?

Tell us the ticker and the size, in confidence. A senior principal will read the collateral itself and come back with indicative terms — usually within 2–3 business days.

Request a Confidential Quote