{"id":27567903,"date":"2026-11-10T13:08:06","date_gmt":"2026-11-10T13:08:06","guid":{"rendered":"https:\/\/ezpzindonesia.com\/?p=27567903"},"modified":"2026-11-08T13:31:14","modified_gmt":"2026-11-08T13:31:14","slug":"pt-pma-capital-planning-vietnamese-smes","status":"publish","type":"post","link":"https:\/\/ezpzindonesia.com\/ru\/pt-pma-capital-planning-vietnamese-smes\/","title":{"rendered":"PT PMA Capital Planning for Vietnamese SMEs: Budgeting Beyond the Minimum"},"content":{"rendered":"\n<div id=\"direct-answer\" class=\"direct-answer\" style=\"border-left:5px solid #3858e9;background:#f3f6ff;padding:16px 20px;margin:0 0 24px;border-radius:6px;font-size:17px;line-height:1.6;\">\n  <p style=\"margin:0 0 6px;font-weight:700;color:#3858e9;text-transform:uppercase;font-size:13px;letter-spacing:.5px;\">Direct Answer<\/p>\n  <p class=\"direct-answer-text\" style=\"margin:0;\">A PT PMA needs two capital numbers, not one. Since 2 October 2025, the minimum paid-up capital is IDR 2.5 billion per company (about USD 150,000). The total investment plan must still be above IDR 10 billion per business activity (KBLI code) and location, excluding land and buildings. You deposit the first amount in cash. You spend the second over time and report it each quarter.<\/p>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"WebPage\",\n  \"name\": \"PT PMA Capital Planning for Vietnamese SMEs: Budgeting Beyond the Minimum\",\n  \"description\": \"A PT PMA needs two capital numbers, not one. Since 2 October 2025, the minimum paid-up capital is IDR 2.5 billion per company (about USD 150,000). The total investment plan must still be above IDR 10 billion per business activity (KBLI code) and location, excluding land and buildings. You deposit the first amount in cash. You spend the second over time and report it each quarter.\",\n  \"publisher\": {\n    \"@type\": \"Organization\",\n    \"name\": \"EZPZ Indonesia\",\n    \"url\": \"https:\/\/ezpzindonesia.com\/\"\n  },\n  \"mainEntity\": {\n    \"@type\": \"Article\",\n    \"headline\": \"PT PMA Capital Planning for Vietnamese SMEs: Budgeting Beyond the Minimum\",\n    \"abstract\": \"A PT PMA needs two capital numbers, not one. Since 2 October 2025, the minimum paid-up capital is IDR 2.5 billion per company (about USD 150,000). The total investment plan must still be above IDR 10 billion per business activity (KBLI code) and location, excluding land and buildings. You deposit the first amount in cash. You spend the second over time and report it each quarter.\",\n    \"author\": {\n      \"@type\": \"Organization\",\n      \"name\": \"EZPZ Indonesia\"\n    }\n  },\n  \"speakable\": {\n    \"@type\": \"SpeakableSpecification\",\n    \"cssSelector\": [\"#direct-answer .direct-answer-text\"]\n  }\n}\n<\/script>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div id=\"key-takeaways\" class=\"key-takeaways\" style=\"border:1px solid #d5dcf5;border-top:5px solid #3858e9;background:#ffffff;padding:18px 22px;margin:0 0 24px;border-radius:6px;font-size:16px;line-height:1.6;\">\n  <p style=\"margin:0 0 10px;font-weight:700;color:#3858e9;text-transform:uppercase;font-size:13px;letter-spacing:.5px;\">Key Takeaways<\/p>\n  <ol style=\"margin:0;padding-left:22px;\">\n    <li style=\"margin-bottom:8px;\"><strong>Two numbers, two jobs.<\/strong> Paid-up capital is cash in the bank. The investment plan is a spending commitment.<\/li>\n    <li style=\"margin-bottom:8px;\"><strong>Upfront cash fell by 75%.<\/strong> It dropped from IDR 10 billion to IDR 2.5 billion under BKPM Regulation No. 5 of 2025.<\/li>\n    <li style=\"margin-bottom:8px;\"><strong>KBLI codes multiply the plan.<\/strong> Two unrelated business activities mean a plan above IDR 20 billion.<\/li>\n    <li style=\"margin-bottom:8px;\"><strong>Capital has a lock-in.<\/strong> Paid-up capital generally stays in the company account for 12 months, except for real business spending.<\/li>\n    <li style=\"margin-bottom:0;\"><strong>Plan beyond the minimum.<\/strong> Rent, salaries, stock and compliance costs decide whether the minimum is enough.<\/li>\n  <\/ol>\n<\/div>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"ItemList\",\n  \"@id\": \"#key-takeaways-list\",\n  \"name\": \"Key Takeaways: PT PMA Minimum Capital in Indonesia\",\n  \"description\": \"Key points on PT PMA paid-up capital, the investment plan, the 2025 capital reduction, KBLI-based multipliers, the 12-month lock-in, and planning beyond the minimum.\",\n  \"itemListOrder\": \"https:\/\/schema.org\/ItemListOrderAscending\",\n  \"numberOfItems\": 5,\n  \"itemListElement\": [\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 1,\n      \"name\": \"Two numbers, two jobs\",\n      \"description\": \"Paid-up capital is cash in the bank. The investment plan is a spending commitment.\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 2,\n      \"name\": \"Upfront cash fell by 75%\",\n      \"description\": \"It dropped from IDR 10 billion to IDR 2.5 billion under BKPM Regulation No. 5 of 2025.\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 3,\n      \"name\": \"KBLI codes multiply the plan\",\n      \"description\": \"Two unrelated business activities mean a plan above IDR 20 billion.\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 4,\n      \"name\": \"Capital has a lock-in\",\n      \"description\": \"Paid-up capital generally stays in the company account for 12 months, except for real business spending.\"\n    },\n    {\n      \"@type\": \"ListItem\",\n      \"position\": 5,\n      \"name\": \"Plan beyond the minimum\",\n      \"description\": \"Rent, salaries, stock and compliance costs decide whether the minimum is enough.\"\n    }\n  ]\n}\n<\/script>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why the Capital Number Feels So Scary<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">For many Vietnamese SME owners, one number stops the Indonesia plan: IDR 10 billion. It sounds like USD 600,000 sitting idle in a bank. That fear is common, and it is mostly based on a misunderstanding.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">The real rule is simpler and friendlier. A PT PMA (foreign-owned company) has two separate capital rules. Once you understand them, the &#8220;scary number&#8221; becomes a budget you can plan. This guide shows how to do that.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The Two Numbers Explained<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Indonesia&#8217;s investment rule is set by BKPM Regulation No. 5 of 2025. It took effect on 2 October 2025. It separates two ideas that older guides often mixed up.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"ezpz-compare\" role=\"region\" aria-labelledby=\"ezpz-cap-title\">\n<style>\n.ezpz-compare{\n  --ezpz-primary:#0B3B66;\n  --ezpz-accent:#F26B21;\n  --ezpz-light:#F3F7FB;\n  --ezpz-text:#1F2937;\n  --ezpz-border:#D9E2EC;\n  position:relative;\n  font-family:Inter,\"Segoe UI\",Arial,sans-serif;\n  color:var(--ezpz-text);\n  margin:24px 0;\n}\n.ezpz-compare *{box-sizing:border-box}\n.ezpz-compare h3{margin:0 0 12px;font-size:1.15rem;line-height:1.35;color:var(--ezpz-primary)}\n.ezpz-compare .ezpz-caption{position:absolute;left:-9999px}\n.ezpz-compare .ezpz-note{margin:10px 2px 0;font-size:.85rem;line-height:1.5;color:#5B6776}\n\n.ezpz-compare table.ezpz-table{\n  width:100%;margin:0;border-collapse:separate;border-spacing:0;\n  border:1px solid var(--ezpz-border);border-radius:12px;overflow:hidden;\n  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.ezpz-compare table.ezpz-table tbody,\n  .ezpz-compare table.ezpz-table tbody tr,\n  .ezpz-compare table.ezpz-table tbody th,\n  .ezpz-compare table.ezpz-table tbody td{\n    display:block;width:100%;max-width:100%;\n  }\n  .ezpz-compare table.ezpz-table{\n    border:0;border-radius:0;box-shadow:none;background:transparent;overflow:visible;\n  }\n  .ezpz-compare table.ezpz-table thead{\n    position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);\n  }\n  .ezpz-compare table.ezpz-table tbody tr,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even),\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd){\n    margin:0 0 14px;border:1px solid var(--ezpz-border);border-radius:12px;\n    overflow:hidden;background:#fff;box-shadow:0 2px 8px rgba(11,59,102,.08);\n  }\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd) > th,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even) > th{\n    background:var(--ezpz-primary);color:#fff;\n    padding:12px 16px;font-size:1rem;border:0;\n    border-bottom:3px solid var(--ezpz-accent);\n  }\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd) > td,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even) > td{\n    background:#fff;color:var(--ezpz-text);padding:12px 16px;border:0;\n    overflow-wrap:break-word;word-break:normal;\n  }\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd) > td + td,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even) > td + td{\n    border-top:1px dashed var(--ezpz-border);background:var(--ezpz-light);\n  }\n  .ezpz-compare table.ezpz-table tbody td::before{\n    content:attr(data-label);display:block;margin-bottom:4px;\n    font-size:.72rem;font-weight:700;line-height:1.3;\n    text-transform:uppercase;letter-spacing:.05em;color:var(--ezpz-accent);\n  }\n}\n<\/style>\n\n<h3 id=\"ezpz-cap-title\">Paid-Up Capital vs Investment Plan<\/h3>\n\n<table class=\"ezpz-table\">\n  <caption class=\"ezpz-caption\">Difference between paid-up capital and investment plan for a PT PMA in Indonesia<\/caption>\n  <colgroup><col style=\"width:20%\"><col style=\"width:35%\"><col style=\"width:45%\"><\/colgroup>\n  <thead>\n    <tr>\n      <th scope=\"col\">Item<\/th>\n      <th scope=\"col\">Amount<\/th>\n      <th scope=\"col\">What it means<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <th scope=\"row\">Paid-up capital<\/th>\n      <td data-label=\"Amount\">IDR 2.5 billion per company (about USD 150,000)<\/td>\n      <td data-label=\"What it means\">Real money from shareholders, deposited in the company&#8217;s Indonesian bank account<\/td>\n    <\/tr>\n    <tr>\n      <th scope=\"row\">Investment plan<\/th>\n      <td data-label=\"Amount\">More than IDR 10 billion per KBLI code and location, excluding land and buildings<\/td>\n      <td data-label=\"What it means\">A spending plan you carry out over time and report on<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Paid-Up Capital vs Investment Plan\",\n  \"description\": \"Difference between PT PMA paid-up capital (IDR 2.5 billion per company) and the investment plan (more than IDR 10 billion per KBLI code and location, excluding land and buildings).\",\n  \"about\": [\n    {\"@type\": \"Thing\", \"name\": \"PT PMA paid-up capital\"},\n    {\"@type\": \"Thing\", \"name\": \"PT PMA investment plan\"}\n  ],\n  \"inLanguage\": \"en\",\n  \"isPartOf\": {\"@type\": \"WebSite\", \"name\": \"EZPZ Indonesia\", \"url\": \"https:\/\/ezpzindonesia.com\/\"},\n  \"publisher\": {\"@type\": \"Organization\", \"name\": \"PT Easy Peasy Indonesia\", \"url\": \"https:\/\/ezpzindonesia.com\/\"}\n}\n<\/script>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The investment plan is not a deposit. It covers equipment, fit-out, stock, staff and working capital that you spend as the business grows. In plain terms, you promise to build a business of a certain size, and you fund the first part in cash.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">One warning: some sectors have higher rules. Financial services, for example, follow their own regulator&#8217;s capital rules. Always confirm your sector first.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>What Changed, and What Did Not<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Before October 2025, the paid-up capital for new PT PMA companies was IDR 10 billion under a 2021 rule. The new rule cut it to IDR 2.5 billion. The &#8220;more than IDR 10 billion&#8221; investment test stayed.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">So the entry barrier dropped, but the growth commitment did not. Founders who read only the headline &#8220;capital cut by 75%&#8221; can plan wrongly. They may find out at licensing that a much larger plan is still required.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Why Your KBLI Choice Is a Budget Decision<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">The investment plan applies per business activity, not per company. A KBLI code is the five-digit code that describes your activity. Each code carries its own plan above IDR 10 billion. Our guide to <a href=\"https:\/\/ezpzindonesia.com\/what-is-kbli-in-indonesia\/\">KBLI codes for foreign investors<\/a> explains how to research them.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Here is a simple example:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li>A Vietnamese furniture maker wants to make and sell furniture in Indonesia.<\/li>\n\n\n\n<li>Manufacturing may need one KBLI code. Wholesale selling may need another.<\/li>\n\n\n\n<li>Two codes can mean a plan above IDR 20 billion, instead of IDR 10 billion.<\/li>\n<\/ul>\n\n\n\n<p class=\"wp-block-paragraph\">Some sectors count the rule differently. Wholesale trade and construction use the first four digits of the code. Food and beverage uses the first two digits per location. Choose only the codes you truly need, and describe them correctly.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Budgeting Beyond the Minimum<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Meeting the minimum gets you registered. It does not tell you whether your business will survive its first year. Authorities also expect a realistic plan. EZPZ&#8217;s <a href=\"https:\/\/ezpzindonesia.com\/challenges-when-starting-a-pt-pma-in-indonesia\/\">guide to PT PMA challenges<\/a> notes that weak or vague investment plans can lead to rejection or later compliance problems.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Use a simple three-layer budget:<\/p>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Setup costs.<\/strong> Company registration, licenses, office address and legal documents.<\/li>\n\n\n\n<li><strong>Operating costs.<\/strong> Salaries, rent, utilities, marketing and accounting for at least 12 months.<\/li>\n\n\n\n<li><strong>Growth costs.<\/strong> Equipment, stock, vehicles and a second location or product line.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">Below is an illustration only. It is not a legal template, and your numbers will differ.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<div class=\"ezpz-compare\" role=\"region\" aria-labelledby=\"ezpz-budget-title\">\n<style>\n.ezpz-compare{\n  --ezpz-primary:#0B3B66;\n  --ezpz-accent:#F26B21;\n  --ezpz-light:#F3F7FB;\n  --ezpz-text:#1F2937;\n  --ezpz-border:#D9E2EC;\n  position:relative;\n  font-family:Inter,\"Segoe UI\",Arial,sans-serif;\n  color:var(--ezpz-text);\n  margin:24px 0;\n}\n.ezpz-compare *{box-sizing:border-box}\n.ezpz-compare h3{margin:0 0 12px;font-size:1.15rem;line-height:1.35;color:var(--ezpz-primary)}\n.ezpz-compare .ezpz-caption{position:absolute;left:-9999px}\n.ezpz-compare .ezpz-note{margin:10px 2px 0;font-size:.85rem;line-height:1.5;color:#5B6776}\n\n.ezpz-compare table.ezpz-table{\n  width:100%;margin:0;border-collapse:separate;border-spacing:0;\n  border:1px solid var(--ezpz-border);border-radius:12px;overflow:hidden;\n  font-size:.95rem;line-height:1.5;background:#fff;\n  box-shadow:0 2px 8px rgba(11,59,102,.08);\n}\n.ezpz-compare table.ezpz-table thead th{\n  background:var(--ezpz-primary);color:#fff;text-align:left;\n  padding:14px 16px;font-weight:700;border:0;border-bottom:3px solid var(--ezpz-accent);\n}\n.ezpz-compare table.ezpz-table tbody th,\n.ezpz-compare table.ezpz-table tbody td{\n  padding:14px 16px;text-align:left;vertical-align:top;\n  background:#fff;border:0;border-top:1px solid var(--ezpz-border);\n}\n.ezpz-compare table.ezpz-table tbody tr:first-child > *{border-top:0}\n.ezpz-compare table.ezpz-table tbody th{font-weight:700;color:var(--ezpz-primary)}\n.ezpz-compare table.ezpz-table tbody td{border-left:1px solid var(--ezpz-border);color:var(--ezpz-text)}\n.ezpz-compare table.ezpz-table tbody tr:nth-child(even) > th,\n.ezpz-compare table.ezpz-table tbody tr:nth-child(even) > td{background:var(--ezpz-light)}\n\n@media (max-width:640px){\n  .ezpz-compare table.ezpz-table,\n  .ezpz-compare table.ezpz-table tbody,\n  .ezpz-compare table.ezpz-table tbody tr,\n  .ezpz-compare table.ezpz-table tbody th,\n  .ezpz-compare table.ezpz-table tbody td{\n    display:block;width:100%;max-width:100%;\n  }\n  .ezpz-compare table.ezpz-table{\n    border:0;border-radius:0;box-shadow:none;background:transparent;overflow:visible;\n  }\n  .ezpz-compare table.ezpz-table thead{\n    position:absolute;width:1px;height:1px;overflow:hidden;clip:rect(0 0 0 0);\n  }\n  .ezpz-compare table.ezpz-table tbody tr,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even),\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd){\n    margin:0 0 14px;border:1px solid var(--ezpz-border);border-radius:12px;\n    overflow:hidden;background:#fff;box-shadow:0 2px 8px rgba(11,59,102,.08);\n  }\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd) > th,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even) > th{\n    background:var(--ezpz-primary);color:#fff;\n    padding:12px 16px;font-size:1rem;border:0;\n    border-bottom:3px solid var(--ezpz-accent);\n  }\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd) > td,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even) > td{\n    background:#fff;color:var(--ezpz-text);padding:12px 16px;border:0;\n    overflow-wrap:break-word;word-break:normal;\n  }\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(odd) > td + td,\n  .ezpz-compare table.ezpz-table tbody tr:nth-child(even) > td + td{\n    border-top:1px dashed var(--ezpz-border);background:var(--ezpz-light);\n  }\n  .ezpz-compare table.ezpz-table tbody td::before{\n    content:attr(data-label);display:block;margin-bottom:4px;\n    font-size:.72rem;font-weight:700;line-height:1.3;\n    text-transform:uppercase;letter-spacing:.05em;color:var(--ezpz-accent);\n  }\n}\n<\/style>\n\n<h3 id=\"ezpz-budget-title\">Illustrative Budget Split for an Investment Plan<\/h3>\n\n<table class=\"ezpz-table\">\n  <caption class=\"ezpz-caption\">Illustrative budget split for a PT PMA investment plan by budget line<\/caption>\n  <colgroup><col style=\"width:65%\"><col style=\"width:35%\"><\/colgroup>\n  <thead>\n    <tr>\n      <th scope=\"col\">Budget line<\/th>\n      <th scope=\"col\">Share of plan<\/th>\n    <\/tr>\n  <\/thead>\n  <tbody>\n    <tr>\n      <th scope=\"row\">Equipment and fit-out<\/th>\n      <td data-label=\"Share of plan\">35%<\/td>\n    <\/tr>\n    <tr>\n      <th scope=\"row\">Stock and supplies<\/th>\n      <td data-label=\"Share of plan\">25%<\/td>\n    <\/tr>\n    <tr>\n      <th scope=\"row\">Salaries and rent (first year)<\/th>\n      <td data-label=\"Share of plan\">20%<\/td>\n    <\/tr>\n    <tr>\n      <th scope=\"row\">Marketing and sales setup<\/th>\n      <td data-label=\"Share of plan\">10%<\/td>\n    <\/tr>\n    <tr>\n      <th scope=\"row\">Compliance, accounting, reserves<\/th>\n      <td data-label=\"Share of plan\">10%<\/td>\n    <\/tr>\n  <\/tbody>\n<\/table>\n<p class=\"ezpz-note\">This is an illustration only. It is not a legal template, and your numbers will differ.<\/p>\n\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"Table\",\n  \"name\": \"Illustrative Budget Split for a PT PMA Investment Plan\",\n  \"description\": \"Illustrative split of a PT PMA investment plan: equipment and fit-out 35%, stock and supplies 25%, salaries and rent 20%, marketing and sales setup 10%, compliance, accounting and reserves 10%.\",\n  \"about\": {\"@type\": \"Thing\", \"name\": \"PT PMA investment plan budget\"},\n  \"inLanguage\": \"en\",\n  \"isPartOf\": {\"@type\": \"WebSite\", \"name\": \"EZPZ Indonesia\", \"url\": \"https:\/\/ezpzindonesia.com\/\"},\n  \"publisher\": {\"@type\": \"Organization\", \"name\": \"PT Easy Peasy Indonesia\", \"url\": \"https:\/\/ezpzindonesia.com\/\"}\n}\n<\/script>\n<\/div>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Your plan should match your business. A trading firm with no stock or warehouse spending looks inconsistent, and BKPM may ask for proof of how you will use the capital.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>The 12-Month Rule and Cash Flow<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Once deposited, paid-up capital generally cannot leave the company account for 12 months. The exceptions are real business uses, such as buying assets, construction or operations backed by invoices or contracts.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">This affects your cash plan. The IDR 2.5 billion is working money for the business. It is not a flexible reserve you can move back to Vietnam. Plan your parent company&#8217;s own cash needs separately.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Funding from Vietnam<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Most Vietnamese SMEs fund the PT PMA through a bank transfer from the parent company or from the owners. Think about these points early:<\/p>\n\n\n\n<ul class=\"wp-block-list\">\n<li><strong>Currency.<\/strong> You will move VND-based funds into a company that spends in IDR. Plan for exchange-rate changes and bank fees.<\/li>\n\n\n\n<li><strong>Timing.<\/strong> Capital goes into the company&#8217;s Indonesian bank account after incorporation. Read our guide to <a href=\"https:\/\/ezpzindonesia.com\/how-to-open-a-corporate-bank-account-in-indonesia-a-complete-guide-for-businesses-pt-pma\/\">opening a corporate bank account for a PT PMA<\/a> so the account is ready on time.<\/li>\n\n\n\n<li><strong>Paper trail.<\/strong> Keep transfer records, contracts and invoices. They support your capital reports.<\/li>\n\n\n\n<li><strong>Vietnamese rules.<\/strong> Outbound investment from Vietnam may have its own registration and foreign exchange steps. Confirm these with your Vietnamese legal and banking advisers before you transfer funds.<\/li>\n<\/ul>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Tax and Reporting After Setup<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Capital planning does not end at registration. A PT PMA must report investment progress each quarter through the OSS system. The report is called LKPM. You also need a tax ID. Our <a href=\"https:\/\/ezpzindonesia.com\/npwp-guide-for-foreign-business-owners\/\">NPWP guide for foreign business owners<\/a> covers the steps and deadlines.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Yearly financial reporting matters too. Read our overview of <a href=\"https:\/\/ezpzindonesia.com\/understanding-financial-statements-in-indonesia\/\">financial statements in Indonesia<\/a> to see what to expect after your first year.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Check Your Structure First<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Not every company needs a PT PMA straight away. A representative office has no minimum capital requirement, but it cannot earn revenue. It can work as a testing step. Compare your options in our guide to <a href=\"https:\/\/ezpzindonesia.com\/understanding-foreign-investment-structures-in-indonesia-a-complete-guide-for-business-owners\/\">foreign investment structures in Indonesia<\/a> and our overview of <a href=\"https:\/\/ezpzindonesia.com\/business-structures-foreign-investment-indonesia\/\">common business structures<\/a>.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Licensing also affects your budget. Higher-risk activities may need extra permits and fees. See our guide to <a href=\"https:\/\/ezpzindonesia.com\/business-licenses-permits-indonesia\/\">business licenses and permits in Indonesia<\/a>.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>A Simple Five-Step Capital Plan<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<ol class=\"wp-block-list\">\n<li><strong>Pick your activities.<\/strong> List what you will really do in Indonesia in the first two years.<\/li>\n\n\n\n<li><strong>Match KBLI codes.<\/strong> Use as few as you need, and check sector rules.<\/li>\n\n\n\n<li><strong>Build the three-layer budget.<\/strong> Include setup, operating and growth costs.<\/li>\n\n\n\n<li><strong>Plan your funding route.<\/strong> Decide who sends money, when, and in which currency.<\/li>\n\n\n\n<li><strong>Test the cash flow.<\/strong> Check that the 12-month lock-in still leaves room for your parent company.<\/li>\n<\/ol>\n\n\n\n<p class=\"wp-block-paragraph\">The capital rule is a planning exercise. A clear plan reduces the risk of rejection, delays and cash shortages.<\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<script type=\"application\/ld+json\">\r\n{\r\n  \"@context\": \"https:\/\/schema.org\",\r\n  \"@type\": \"HowTo\",\r\n  \"@id\": \"https:\/\/ezpzindonesia.com\/business-licenses-permits-indonesia\/#howto-oss\",\r\n  \"name\": \"How to Get Business Licenses in Indonesia via OSS\",\r\n  \"description\": \"A simple, step-by-step way to apply for your business license in Indonesia using the OSS (Online Single Submission) system and obtain your NIB.\",\r\n  \"inLanguage\": \"en\",\r\n  \"mainEntityOfPage\": \"https:\/\/ezpzindonesia.com\/business-licenses-permits-indonesia\/\",\r\n  \"tool\": [\r\n    {\r\n      \"@type\": \"HowToTool\",\r\n      \"name\": \"OSS (Online Single Submission) account\",\r\n      \"url\": \"https:\/\/oss.go.id\/en\"\r\n    }\r\n  ],\r\n  \"supply\": [\r\n    { \"@type\": \"HowToSupply\", \"name\": \"National ID number (Indonesian applicants) or passport number (foreign applicants)\" },\r\n    { \"@type\": \"HowToSupply\", \"name\": \"Tax identification number (NPWP)\" },\r\n    { \"@type\": \"HowToSupply\", \"name\": \"KBLI code for your business activity\" }\r\n  ],\r\n  \"step\": [\r\n    {\r\n      \"@type\": \"HowToStep\",\r\n      \"position\": 1,\r\n      \"name\": \"Access the OSS System\",\r\n      \"url\": \"https:\/\/ezpzindonesia.com\/business-licenses-permits-indonesia\/#step-1\",\r\n      \"text\": \"Go to the official OSS website and create an account. Indonesian applicants use their national ID number, while foreign applicants typically use their passport number to register.\"\r\n    },\r\n    {\r\n      \"@type\": \"HowToStep\",\r\n      \"position\": 2,\r\n      \"name\": \"Apply and Obtain an NIB\",\r\n      \"url\": \"https:\/\/ezpzindonesia.com\/business-licenses-permits-indonesia\/#step-2\",\r\n      \"text\": \"Once your account is set up, choose your business's legal structure, enter your business activity and KBLI code, and submit the required details. The system uses this information to assign your risk level and issue your NIB.\"\r\n    },\r\n    {\r\n      \"@type\": \"HowToStep\",\r\n      \"position\": 3,\r\n      \"name\": \"Prepare your details as an individual\",\r\n      \"url\": \"https:\/\/ezpzindonesia.com\/business-licenses-permits-indonesia\/#step-3\",\r\n      \"text\": \"If you are applying as an individual, provide your name, ID or passport number, business activity, address, planned investment amount, and tax identification number.\"\r\n    },\r\n    {\r\n      \"@type\": \"HowToStep\",\r\n      \"position\": 4,\r\n      \"name\": \"Prepare your details as a company (non-individual)\",\r\n      \"url\": \"https:\/\/ezpzindonesia.com\/business-licenses-permits-indonesia\/#step-4\",\r\n      \"text\": \"If you are applying as a company, such as a PT or a foreign-owned PT PMA, provide your deed of establishment, Ministry of Law approval, business activity, the company's tax identification number, and details about planned investment and workforce. If you have not yet decided on your company structure, compare the foreign company registration options in Indonesia first.\"\r\n    }\r\n  ]\r\n}\r\n<\/script>\n\n\n\n<section style=\"max-width:720px;margin:28px auto;padding:28px 28px 28px 32px;border-radius:16px;background:linear-gradient(135deg,#0b1f5c 0%,#1d4ed8 100%);border-left:6px solid #f5b400;box-shadow:0 8px 24px rgba(11,31,92,.25);font-family:Arial,sans-serif;line-height:1.6;color:#ffffff;\">\r\n  <span style=\"display:inline-block;margin-bottom:10px;padding:4px 12px;border-radius:999px;background:#f5b400;color:#0b1f5c !important;font-size:12px;font-weight:700;letter-spacing:.5px;\">COMPANY PROFILE<\/span>\r\n  <h2 style=\"margin:0 0 10px;font-size:26px;color:#ffffff !important;\">About EZPZ Indonesia<\/h2>\r\n  <p style=\"margin:0 0 20px;font-size:16px;color:#ffffff !important;\">EZPZ Indonesia is your one-stop solution for expats and foreign investors in Indonesia, specializing in PT PMA company setup, KITAS visa processing, and business research. Since 2021, we have helped clients navigate Indonesia&#8217;s regulations and requirements, making it easier to build and grow their businesses with confidence. Let us handle the complexities so you can focus on your success in Indonesia.<\/p>\r\n  <a href=\"https:\/\/ezpzindonesia.com\/get-a-quote\/\" style=\"display:inline-block;padding:12px 26px;background:#f5b400;color:#0b1f5c !important;font-weight:700;font-size:16px;text-decoration:none !important;border-radius:8px;box-shadow:0 4px 12px rgba(0,0,0,.25);\">Get a Free Quote \u2192<\/a>\r\n<\/section>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<h2 class=\"wp-block-heading\"><strong>Next Step<\/strong><\/h2>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">Capital planning looks different for each company. A trading firm, a factory and a cafe chain need very different budgets. Our team can review your activities, KBLI codes and funding route before you commit money.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><a href=\"https:\/\/ezpzindonesia.com\/get-a-quote\/\"><strong>Request a capital-planning consultation<\/strong><\/a><\/p>\n\n\n\n<div style=\"height:20px\" aria-hidden=\"true\" class=\"wp-block-spacer\"><\/div>\n\n\n\n<!-- EZPZ Indonesia FAQ: PT PMA Capital -->\n<script type=\"application\/ld+json\">\n{\n  \"@context\": \"https:\/\/schema.org\",\n  \"@type\": \"FAQPage\",\n  \"mainEntity\": [\n    {\"@type\":\"Question\",\"name\":\"What is the minimum paid-up capital for a PT PMA in 2026?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"It is IDR 2.5 billion per company, about USD 150,000. This has applied since 2 October 2025 under BKPM Regulation No. 5 of 2025. Some regulated sectors need more.\"}},\n    {\"@type\":\"Question\",\"name\":\"Do I need to deposit IDR 10 billion?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"No. IDR 10 billion is the investment plan, not a deposit. You carry out the plan over time and report progress each quarter.\"}},\n    {\"@type\":\"Question\",\"name\":\"Does every business activity need its own IDR 10 billion plan?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Generally, yes. The plan applies per five-digit KBLI code and per project location, excluding land and buildings. Wholesale, food and beverage, and construction use different counting rules.\"}},\n    {\"@type\":\"Question\",\"name\":\"Can I take the paid-up capital back to Vietnam?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Not freely in the first 12 months. It can be used for assets, construction or documented operating costs. Dividends and other transfers follow separate rules, so confirm them with an adviser.\"}},\n    {\"@type\":\"Question\",\"name\":\"Can I start with a representative office instead?\",\"acceptedAnswer\":{\"@type\":\"Answer\",\"text\":\"Yes, if you only need market research and coordination. A representative office has no minimum capital rule, but it cannot sell or earn income in Indonesia.\"}}\n  ]\n}\n<\/script>\n\n<style>\n.ezpz-faq{--ezpz-primary:#0B2A4A;--ezpz-accent:#F58220;--ezpz-bg:#F5F8FC;\n  max-width:820px;margin:32px auto;font-family:inherit;color:#1f2937}\n.ezpz-faq h2{color:#2f2f2f;font-size:1.5rem;font-weight:600;line-height:1.3;\n  margin:0 0 20px;padding:0 0 6px;display:inline-block;border-bottom:3px solid var(--ezpz-accent)}\n.ezpz-faq details{background:var(--ezpz-bg);border:1px solid #dbe4ef;\n  border-left:4px solid var(--ezpz-accent);border-radius:8px;margin:0 0 12px;overflow:hidden}\n.ezpz-faq summary{cursor:pointer;list-style:none;padding:16px 48px 16px 18px;\n  font-weight:600;color:var(--ezpz-primary);position:relative;line-height:1.4}\n.ezpz-faq summary::-webkit-details-marker{display:none}\n.ezpz-faq summary::after{content:\"+\";position:absolute;right:18px;top:50%;\n  transform:translateY(-50%);font-size:1.5rem;color:var(--ezpz-accent);font-weight:700}\n.ezpz-faq details[open] summary{background:var(--ezpz-primary);color:#fff}\n.ezpz-faq details[open] summary::after{content:\"\\2212\"}\n.ezpz-faq .ezpz-answer{padding:16px 18px;background:#fff;line-height:1.65;margin:0}\n.ezpz-faq .ezpz-answer a{color:var(--ezpz-accent);font-weight:600;text-decoration:underline}\n.ezpz-faq summary:focus-visible{outline:3px solid var(--ezpz-accent);outline-offset:-3px}\n@media(max-width:600px){.ezpz-faq h2{font-size:1.3rem}.ezpz-faq summary{padding:14px 42px 14px 14px}}\n<\/style>\n\n<section class=\"ezpz-faq\" aria-labelledby=\"ezpz-faq-title\">\n  <h2 id=\"ezpz-faq-title\">Frequently Asked Questions<\/h2>\n  <details><summary>What is the minimum paid-up capital for a PT PMA in 2026?<\/summary>\n    <p class=\"ezpz-answer\">It is IDR 2.5 billion per company, about USD 150,000. This has applied since 2 October 2025 under BKPM Regulation No. 5 of 2025. Some regulated sectors need more.<\/p><\/details>\n  <details><summary>Do I need to deposit IDR 10 billion?<\/summary>\n    <p class=\"ezpz-answer\">No. IDR 10 billion is the investment plan, not a deposit. You carry out the plan over time and report progress each quarter.<\/p><\/details>\n  <details><summary>Does every business activity need its own IDR 10 billion plan?<\/summary>\n    <p class=\"ezpz-answer\">Generally, yes. The plan applies per five-digit KBLI code and per project location, excluding land and buildings. Wholesale, food and beverage, and construction use different counting rules.<\/p><\/details>\n  <details><summary>Can I take the paid-up capital back to Vietnam?<\/summary>\n    <p class=\"ezpz-answer\">Not freely in the first 12 months. It can be used for assets, construction or documented operating costs. Dividends and other transfers follow separate rules, so confirm them with an adviser.<\/p><\/details>\n  <details><summary>Can I start with a representative office instead?<\/summary>\n    <p class=\"ezpz-answer\">Yes, if you only need market research and coordination. A representative office has no minimum capital rule, but it cannot sell or earn income in Indonesia.<\/p><\/details>\n<\/section>\n","protected":false},"excerpt":{"rendered":"<p>Learn how PT PMA capital works for Vietnamese SMEs: IDR 2.5B paid-up vs IDR 10B+ investment plan, budget examples, and funding steps.<\/p>","protected":false},"author":4,"featured_media":27567905,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_et_pb_use_builder":"off","_et_pb_old_content":"","_et_gb_content_width":"","footnotes":""},"categories":[26],"tags":[],"class_list":["post-27567903","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-company-registration"],"aioseo_notices":[],"aioseo_head":"\n\t\t<!-- All in One SEO 5.0.5 - aioseo.com -->\n\t<meta name=\"description\" content=\"Learn how PT PMA capital works for Vietnamese SMEs: IDR 2.5B paid-up vs IDR 10B+ investment plan, budget examples, and funding steps.\" \/>\n\t<meta name=\"robots\" content=\"max-image-preview:large\" \/>\n\t<meta name=\"author\" content=\"EZPZ Indonesia\"\/>\n\t<link rel=\"canonical\" href=\"https:\/\/ezpzindonesia.com\/ru\/pt-pma-capital-planning-vietnamese-smes\/\" \/>\n\t\t<meta name=\"generator\" content=\"All in One SEO (AIOSEO) 5.0.5\" \/>\n\t\t<meta property=\"og:locale\" content=\"ru_RU\" \/>\n\t\t<meta property=\"og:site_name\" content=\"EZPZ Indonesia I Company Registration in Indonesia for Foreigners | Company Registration for Foreigners: Register your business in Indonesia with confidence, fast setup, and no hidden costs. 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