What M.B.A. Consulting Indonesia does

M.B.A. Consulting Indonesia (legal entity PT Jasa Konsultasi MBA) is a privately held Indonesian financial services company founded in 2015 in Jakarta, operating as the Indonesian subsidiary of MBA Consult Group (founded 1996, originally M.B.A. Empire). The company's core function is the acquisition, management, and recovery of non-performing loan (NPL) portfolios, serving three target segments: (1) banks and financial institutions (state-owned, commercial, and fintech) from which it purchases distressed debt and provides agency-based collection services; (2) individual debtors seeking repayment plans and credit rehabilitation; and (3) investors offered participation in NPL portfolios. As of 2019 it claimed to have surpassed $1 billion in globally purchased portfolios, with cumulative group assets under management exceeding $4 billion and over $1 billion returned to clients. Indonesia-sourced portfolio wins include IDR 1,500 billion+ in cumulative purchases, a USD 250 million / 580,000-case deal in 2021, and individual transactions of IDR 345 billion, IDR 236 billion, and IDR 550 billion across 2020-2021.

The company runs a hybrid human-and-AI collection operation. The proprietary AI Virtual Voice Operator, piloted in Indonesia in December 2019, processes and generates spoken-language collection calls with sub-1-second response time, 90%+ human-perceived conversation quality, and 0% debtor complaints, supported by predictive calling, Big Data analytics, and a behavioral scoring system applied uniformly across all operating geographies. All employees operate via a secure remote-work infrastructure with data stored on internal servers and strictly isolated access controls. The group operates in 11 countries across Europe, CIS, and Asia, with stated expansion intent into Latin America (Brazil, Mexico) and Africa.

Revenue is not publicly disclosed. The business model combines three streams: one-time NPL portfolio acquisition (purchased at discount, recovery upside), agency-based collection fees on behalf of financial institutions, and investor offerings in NPL portfolios. Distribution is direct enterprise sales targeting the largest banks and financial institutions in Indonesia, supplemented by industry events (NPL-Management Forum, 2019), corporate social media, and trade-association memberships in AFPI and AFTECH. Notable client validation includes a 2nd-place ranking among 23 agencies at Bank Rakyat Indonesia (BRI) in 2022.

Name

M.B.A. Consulting Indonesia

Legal name

PT Jasa Konsultasi MBA

Website

https://id.mbacgroup.com

Company type

Private

Founded year

2015

Operating status

Operating

Headcount range

101–250 employees

Short description

M.B.A. Consulting Indonesia is a Jakarta-based non-performing loan management firm serving Indonesian banks, financial institutions, debtors, and investors, operating as part of MBA Consult Group with proprietary AI-driven debt collection technology and an 11-country footprint.

Ownership category

akta.pro rank

Product category

Non-Performing Loan Management Services

NAICS

Other Financial Investment Activities (5239)

SIC

Short-Term Business Credit Institutions (6153)

akta.pro primary industry

Non-Performing Loan (NPL) / Loan Portfolio Acquisition Funds (FSANAKAG)

akta.pro secondary industry

Debt & Capital Advisory (Debt Raising, Refinancing, Private Credit) (BPAHAOAD)

Keywords

• Non-performing loan management
• Debt collection services
• Distressed asset acquisition
• Credit rehabilitation
• Debt recovery solutions

Headquarters

HQ city

Jakarta

HQ country

Indonesia

HQ region

Asia

Offices1 record

Markets served

GTM type

B2B

Offering type

Services

Cost components

Personnel

Revenue model

1. NPL Portfolio Acquisition: Purchasing non-performing loan portfolios from banks and financial institutions at discounted values, then managing recovery through ethical collection practices.
2. Agency-based Collection Services: Providing debt collection services as an agent for financial institutions, earning fees or commissions on successful recovery.
3. Investment Opportunities: Offering investment opportunities in NPL portfolios to investors, with returns generated from successful debt recovery.

Go-to-market motion2 records

Distribution channels1 record

Marketing channels7 records

Core offering

M.B.A. Consulting Indonesia purchases non-performing loan (NPL) portfolios from banks and financial institutions, then manages recovery through in-house agent-based collection and AI-driven virtual voice operators. It also offers individual debt restructuring plans to debtors and structured investment opportunities in NPL portfolios to investors, operating as part of the global MBA Consult Group.

Product overview

M.B.A. Consulting Indonesia is a financial services company operating in the Non-Performing Loan (NPL) management market. The company offers a integrated suite of debt management services including NPL portfolio acquisition, agent-based debt collection, AI-powered virtual voice operator technology for automated collection calls, and debt restructuring solutions. The core offering centers on purchasing distressed debt portfolios from banks and financial institutions, then managing recovery operations through a combination of human agents and AI automation. The company operates as part of the MBA Consult Group, a global player in NPL management with presence across Europe, CIS, and Asia.

Differentiator

Problem solved

Functional benefit

Products and services

• NPL Portfolio Management Purchase and ongoing management of Non-Performing Loan (NPL) portfolios from banks and financial institutions. MBA purchases distressed debt at scale and operates recovery on its own balance sheet. Target buyers are large banks and financial institutions in Indonesia seeking to clean up balance sheets and free up reserves.
• Agent-Based Debt Collection Outsourced debt collection service where MBA acts as agent for financial institutions to recover outstanding debts while maintaining debtor relationships and regulatory compliance. Targeted at banks and financial institutions that prefer an agency mandate over full portfolio sale.
• AI Virtual Voice Operator AI-powered virtual operator system used by MBA for automated debt collection phone calls. Processes debtor inquiries, responds in under one second, and maintains data confidentiality with 0% debtor complaints. Used by MBA in its own Indonesian collection operations to scale case handling.
• Debt Restructuring Solutions Individual debt repayment plan creation and management services for debtors, enabling financial stability through flexible repayment options and supporting credit rehabilitation. Offered to individual debtors who have outstanding obligations within MBA-managed portfolios.

Quantifiable outcome

• 20 million+ unique debtor cases at work globally
• +5 more outcomes

Named customers1 record

Segments3 records

Ideal customer profiles2 records

Technology focussed Yes

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

AI capability5 records

Feature3 records

Partnerships

Two partnerships are on record, tiered core.

• Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI)coreStrategic or Co-development Partner · 11 February 2021MBA Consulting Indonesia became an official member of AFPI (Funding Fintech Association), an organization housing Fintech P2P Lending and Fintech Online Funding businesses in Indonesia. AFPI is an important link in fintech industry development, uniting legal fintechs, promoting business development, and providing support in government interactions. Membership required confirming service quality and legal compliance.
• Indonesia FinTech Association (AFTECH)coreStrategic or Co-development Partner · 11 February 2019MBA Consulting Indonesia became a member of the Indonesia FinTech Association, an independent organization uniting companies in the financial market. Activities aim at financial sector development using new technologies and knowledge exchange.

Scale indicators14 records

Recent moves8 records

Expansion highlights5 records

Direct peers

• B2Holding: Norway-based NPL acquirer with pan-European operations. Directly comparable in purchasing non-performing loan portfolios from banks and managing collection through local entities in multiple jurisdictions.
• EOS Group: Germany-headquartered international debt collection and NPL management company. Operates across multiple countries in Europe and beyond, providing agency-based collection and portfolio purchase services similar to MBA.
• KRUK: Largest debt management company in Central Europe, focused on purchasing and servicing NPL portfolios from banks. Comparable in operating across multiple emerging European markets with localized collection operations.
• Encore Capital Group: Global debt buyer and collector operating Cabot Credit Management in Europe. Direct peer in purchasing and managing charged-off and NPL portfolios from financial institutions across multiple geographies.
• PRA Group: Major US-headquartered acquirer of non-performing loan portfolios from banks and debt sellers. Closely comparable in business model of buying NPL portfolios at discount and collecting through scaled operations.
• Cerved Credit Management: Italy-headquartered NPL servicer and portfolio manager, one of the larger European players. Comparable in acquiring and servicing distressed debt portfolios, with a comparable mix of bank clients and institutional investors.
• Intrum: Global leader in NPL portfolio acquisition and debt collection across Europe and beyond. Directly comparable business model of purchasing distressed debt from banks and managing recovery, operating in similar regulatory and capital-intensive dynamics as MBA.
• Hoist Finance: Nordic-headquartered specialist in NPL portfolio acquisition from European banks. Direct peer in acquiring distressed debt at scale and managing recovery through proprietary analytics and operations.

Emerging players

• TrueAccord: US-based digital-first debt collection company using machine learning and behavioral analytics. Comparable in applying AI/ML to consumer debt recovery, though focused on US market and digital channels rather than NPL portfolio acquisition.

Regional players

• PT Adira Dinamika Multi Finance: Major Indonesian consumer finance company (part of Danamon/MUFG group) with internal debt collection operations. Regional peer that both originates and recovers consumer credit in Indonesia, representing both a potential client and a competing collection capability.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• YouTubeyoutube.com/channel/UCeZIvSs9prLngw1kdXjHmNg
• Facebookfacebook.com/mba.consulting.indonesia
• LinkedInlinkedin.com/company/m-b-a-consult

Compliance2 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about M.B.A. Consulting Indonesia