Indonesia Statutory default interest (bunga moratoir)
Indonesia Statutory default interest (bunga moratoir) is 6 percent, in force since 1 May 1848. Last checked against the official source on 10 Aug 2026.
Indonesia's statutory default interest on money debts: 6% per annum, fixed by Staatsblad 1848 No. 22 and applied through Article 1250 of the Civil Code (KUHPerdata), unchanged since the Code entered into force in 1848 and still awarded by the courts.
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| Current value | 6 percent |
|---|---|
| In force from | 1848-05-01 |
| Official source | KUHPerdata (Burgerlijk Wetboek voor Indonesië) Pasal 1250 ayat (1): 'Dalam perikatan yang hanya berhubungan dengan pembayaran sejumlah uang, penggantian biaya, kerugian dan bunga yang timbul karena keterlambatan pelaksanaannya, hanya terdiri atas bunga yang ditentukan oleh undang-undang' (in an obligation solely for the payment of a sum of money, the compensation for costs, loss and interest arising from late performance consists only of the interest fixed by law); ayat (2): it is payable 'tanpa perlu dibuktikan adanya suatu kerugian oleh kreditur' (without the creditor having to prove any loss); the interest fixed by law is 6% per annum under Staatsblad 1848 No. 22 |
| Last verified | 2026-08-10 |
| Verification | primary — No verification limitation recorded — read from the official source cited. |
| Provenance | source fingerprint |
What this value means
6% per annum (bunga moratoir), the figure Staatsblad 1848 No. 22 fixed as the 'bunga yang ditentukan oleh undang-undang' and the rate Indonesian courts, including the Mahkamah Agung, still award on overdue money obligations. One rate for civil and commercial debts alike — Indonesia has no separate commercial late-payment regime and no reference-rate link, so the figure does not move with Bank Indonesia's policy rate and has not changed in over 175 years. THE TIMING RULE IS THE BIGGEST TRAP: Pasal 1250 ayat (3) makes the interest payable only 'sejak diminta di muka Pengadilan' — from the moment it is demanded before a court — unless a specific statute makes it run by operation of law. A creditor therefore does not accrue 6% from the invoice due date the way an EU-style late-payment regime would; the claim generally has to be brought. SECOND TRAP: ayat (1) is exclusive for pure money obligations — the creditor is confined to the statutory interest and cannot add proven consequential loss, which is why commercial parties in Indonesia almost always stipulate a contractual denda keterlambatan (late-payment penalty) instead; a valid contractual rate displaces the 6%. Pasal 1767 distinguishes bunga menurut undang-undang from bunga yang diperjanjikan and requires an agreed rate to be in writing. THIRD TRAP: in practice first-instance courts vary — some award the 6%, some award a contractually agreed figure, some reject an interest claim that was not specifically pleaded — so the 6% is the statutory entitlement, not a guaranteed award. Separate regimes exist and must not be confused with this rate: tax arrears carry a monthly interest penalty set by decree of the Minister of Finance under UU 7/2021 (HPP), and labour, banking and consumer statutes carry their own charges. Retrieval note: hukumonline.com returns 403 to automated fetchers; the Wikisource scan of the official KUHPerdata text is the reliable open copy.
Get it programmatically
curl https://asiaref.dev/v1/id/statutory-interest
# $0.005 per call — x402 on Base (USDC). No key, no signup.
# History: curl https://asiaref.dev/v1/id/statutory-interest/history?from=2020-01-01
# Provenance: curl https://asiaref.dev/provenance/id/statutory-interestOther Indonesia series: Policy Rate (BI-Rate) · Value Added Tax (Pajak Pertambahan Nilai, PPN) · VAT registration threshold · Minimum Wage (Upah Minimum) · Public Holidays (Hari Libur Nasional) · Consumer Price Index Inflation (Inflasi IHK) · Corporate Income Tax (Pajak Penghasilan Badan) · Withholding tax rates · Personal Income Tax (Pajak Penghasilan Orang Pribadi, PPh OP) · Statutory social-insurance contributions
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