Module: `ojk`

Source portal: api.ojk.go.id (REST API) + investor.ojk.go.id (Waspada Investasi) Scrape method: REST wrapper + httpx fallback for portal HTML Phase: 2 License: MIT Status: ACTIVE

Source

Field	Value
Portal URL	`https://api.ojk.go.id/v1/lembaga` (primary) + `https://investor.ojk.go.id/InvestorAlert` (waspada)
Operator	Otoritas Jasa Keuangan (OJK RI)
Data type	Licensed financial institution registry — banks, fintech, insurance, pension funds, investment managers, securities firms
Auth required	None — public API
Last verified	2026-03-13

Rate Limits & Block Behaviour

Parameter	Value
Safe request rate	~30 req/min (~0.5 req/s)
Block trigger	Unknown — API is stable
Block type	TBD — needs testing
Mitigation	Built-in token-bucket rate limiter
IP rotation needed	Not required for normal use; supply `proxy_url` for bulk scraping

Normalized Schema (`result` object)

{
    "institution_name": str,           # e.g. "PT AKULAKU FINANCE INDONESIA"
    "license_no": str,                 # e.g. "KEP-249/NB.11/2018"
    "institution_type": str,           # e.g. "fintech-pendanaan", "bank-umum"
    "license_status": str,             # ACTIVE | EXPIRED | REVOKED | SUSPENDED
    "regulated_products": list[str],   # Products/services the institution is licensed for
    "domicile": str | None,            # City/region
    "website": str | None,             # Institution website
    "on_waspada_list": bool,           # True if on investment alert list
}

Institution types:

bank-umum — Commercial banks
bpr — Rural banks (Bank Perkreditan Rakyat)
fintech-pendanaan — Peer-to-peer lending platforms
fintech-pembayaran — Payment gateway providers
asuransi — Insurance companies
dana-pensiun — Pension funds
manajer-investasi — Investment managers
perusahaan-efek — Securities firms

MCP Tools

Tool	Signature	Description
`check_ojk_license`	`(name_or_id: str) -> dict`	Single institution lookup by name or license number
`search_ojk_institutions`	`(keyword: str, institution_type: str?) -> list[dict]`	Multi-result search with optional type filter
`get_ojk_status`	`(name_or_id: str) -> dict`	Status-only lookup (lighter weight)
`check_ojk_waspada`	`(entity_name: str) -> dict`	Check if entity is on investment alert list

claude mcp add

claude mcp add civic-stack -- civic-stack-mcp  # all 40 tools

FastAPI Endpoints

Method	Path	Description
`GET`	`/ojk/check/{name_or_id}`	Single institution lookup
`GET`	`/ojk/search?q=keyword&institution_type=...&status=...`	Multi-result search with filters
`GET`	`/ojk/status/{name_or_id}`	Status-only lookup
`GET`	`/ojk/waspada?q=entity_name`	Check investment alert list

Example Response

{
  "result": {
    "institution_name": "PT AKULAKU FINANCE INDONESIA",
    "license_no": "KEP-249/NB.11/2018",
    "institution_type": "fintech-pendanaan",
    "license_status": "ACTIVE",
    "regulated_products": [
      "Pendanaan Bersama Berbasis Teknologi Informasi",
      "P2P Lending"
    ],
    "domicile": "Jakarta Selatan",
    "website": "https://akulaku.com",
    "on_waspada_list": false
  },
  "found": true,
  "status": "ACTIVE",
  "confidence": 1.0,
  "source_url": "https://api.ojk.go.id/v1/lembaga/pencarian",
  "fetched_at": "2026-03-13T10:00:00Z",
  "last_updated": null,
  "module": "ojk",
  "raw": null
}

Known Issues & Quirks

The API sometimes returns duplicate records for the same institution with different license numbers — this is expected when institutions have multiple licenses for different product types
Waspada Investasi entities are flagged with status: SUSPENDED and on_waspada_list: true
The portal HTML fallback is used only when the API returns no results (rare)
License status mapping: “aktif”, “izin usaha”, “beroperasi” → ACTIVE; “dicabut”, “likuidasi” → REVOKED; “pembekuan”, “dibekukan” → SUSPENDED; “tidak aktif” → EXPIRED

VCR Fixtures

Cassette	Scenario
`tests/ojk/cassettes/institution_found.yaml`	Active institution — Akulaku fintech
`tests/ojk/cassettes/institution_not_found.yaml`	No results for keyword
`tests/ojk/cassettes/waspada_found.yaml`	Entity on investment alert list

Legal Basis

This module fetches data from OJK’s public REST API and the Waspada Investasi portal, both of which publish licensed institution data for consumer protection purposes. No authentication is required. Data is fetched on demand and not persisted by this library. Scraping is conducted at low request rates consistent with normal API usage. No personal data beyond what is voluntarily published on the public portal is accessed.

Module: ojk