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New Publication!

Innovative credit scoring offers the potential to extend access to credit to unbanked and underbanked individuals and businesses in Indonesia by using unconventional data sources to assess the risk of potential borrowers without formal credit histories.

However, CIPS has found risks in data privacy and of market monopolies. In this policy paper, we are providing three recommendations to improve policy.

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For a Free & Prosperous Indonesia

The Center for Indonesian Policy Studies (CIPS) is dedicated to providing policy analysis and practical policy recommendations to decision-makers within Indonesia’s legislative and executive branches of government.


As a strictly non-partisan and non-profit think tank, CIPS promotes social and economic reforms that are based on the belief that only civil, political, and economic freedom allow Indonesia to prosper.

CIPS is officially registered under the name of Yayasan Cipta Sentosa.

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