Jakarta · Institutional financing against IDX-listed equity
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Indonesia Stock LoansJakarta · IDX / BEI
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Indicative LTV calculator for IDX-listed shares.

A quick, illustrative way to see roughly where an indicative loan-to-value range might sit for a concentrated Indonesian-listed position — before you speak to anyone. It runs entirely in your browser, keeps nothing, and returns a range, never a quote.

Illustrative / indicative only

This is not an offer, a quote, or advice. The figures below are produced by a simple, transparent rule of thumb and do not reflect anyone's assessment of your actual holding. There is no single headline LTV on an Indonesian stock loan: 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 after review. A real indicative LTV is issued only after a principal has seen the specific ticker — usually within 2 to 3 business days.

01 · Estimate
Six inputs

Describe the position.

Choose the closest option for each. The tool starts from a broad illustrative band and moves within it using the same drivers set out in how much you can borrow. 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 the ratio, and a real indicative LTV is issued only after review of your specific holding. See how much you can borrow.

02 · Methodology
How the heuristic works

A transparent rule of thumb — nothing hidden.

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

  • 01
    Start from an illustrative band. The tool begins from a broad, illustrative indicative band typical of concentrated single-stock share-backed financing. This is the calculator's own illustrative assumption, not a rate the firm publishes — because there is no single headline LTV.
  • 02
    Adjust for 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
    Adjust for volatility. A share that swings sharply needs a larger buffer, and that buffer comes out of the LTV. Stable names hold their advance better.
  • 04
    Adjust for concentration. Your position is weighed 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
    Adjust for recourse. A non-recourse structure, where the lender can look only to the shares, is typically more conservative on LTV than a full-recourse one; sector and size adjust the framing.
  • 06
    Return a range, then a tenor. The factors are combined into a low and a high figure and rounded to a range, with a typical tenor of 12–36 months. It is never a single precise number, because a real LTV depends on the specific counter and structure.

The bands and step sizes are illustrative constants chosen for education, not a pricing model, and they stay within a conservative overall range. 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 quote?
No. This calculator is illustrative and educational only. It is not an offer, a quote, a commitment to lend, or financial advice, and it does not guarantee any terms. It produces an indicative range from a simple, disclosed heuristic — not a decision from anyone who has seen your actual holding. An indicative LTV is issued only after a principal reviews the specific ticker and position, usually within 2 to 3 business days.
02How is the range calculated?
The tool starts from a broad, illustrative indicative band for concentrated single-stock share-backed financing and then moves within that band using the drivers this site already publishes: 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 the lower end; deep liquidity, low volatility, a modest position, and a full-recourse preference push toward the higher end. Sector and position size adjust the framing, not a precise number. The result is always shown as a range, never a single figure, because a real LTV depends on the specific counter and structure. 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 indicative range 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 a real indicative LTV, you choose what to share when you make a confidential enquiry.
05Why is there no single headline LTV?
Because a stock loan is priced to the collateral, not to a rate card. 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 the LTV. That is why we show a range and issue a real indicative figure only after reviewing the actual ticker.

This page and its calculator are general information about share-backed financing in Indonesia and are not legal, tax, or financial advice. Indicative ratios are illustrative and depend 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 a real indicative LTV?

Tell us the ticker and the size, in confidence. A senior principal will return an indicative LTV on your actual holding — usually within 2–3 business days.

Request a Confidential Quote