Maria H. Sagrado

Practice Areas

Banking & Finance

Capital Markets

Media, IT & Telecommunications

Mergers & Acquisitions

Foreign Investment

Corporate & Commercials

Hotels, Resorts & Tourism

Mining & Energy

Career

Maria Sagrado is a leading practitioner and a highly skilled negotiator with extensive high-level experience in structuring foreign investment and financial transactions. She represents the interests of numerous foreign clients investing in Indonesia, including companies and investors from China, USA, UK, Singapore, and European Union across various sectors, including power plants, pharmaceuticals, distribution, port-related activities, mining, and fintech.

Combining her European and Indonesian exposure, Maria’s well-rounded experience in relevant corporate and commercial practices enable her to comprehensively advise and guide foreign clients entering into local investments or transactions in Indonesia, with due consideration of the various aspects involved.

Her ability to forge rapport between disparate parties and drive solutions is also showcased by her successful track record executing prominent finance transactions involving leading foreign banks, in particular banks from China, Germany, Malaysia and other European countries, as well as offshore export credit agencies in the financing of Indonesian borrowers including State Owned Enterprises (SOE), power plant, major mining related industries and manufacturing companies.

Maria is a pioneer and among the few Indonesian lawyers who are active in fintech transactions and the Fintech Association in Indonesia. She was involved in the drafting of the first Financial Services Authority (Otoritas Jasa Keuangan) regulation on Fintech, i.e. Peer-to Peer lending in Indonesia that was issued in late 2016. She also published an article that discusses the country’s central bank’s regulatory sandbox initiative for fintech players as published in IFLR1000’s Fintech Special Focus 2018.

Professional Memberships

• Member of the Indonesian Advocates Association (PERADI) since 2010.

• Member of the Indonesian Capital Markets Legal Consultants Association (HKHPM) since 2013.

• Member of FinTech Association since 2016.

Publications

• Author, Chambers Asia-Pacific 2023 - Practice Area Overview Guidelines. Indonesia: Banking & Finance 2023

• Author, The Legal 500: Lending & Secured Finance Country Comparative Guide, 2022.

• Author of Chambers Asia-Pacific 2023 - Practice Area Overview Guidelines. Indonesia: Banking & Finance 2023

• Author of The Legal 500: Lending & Secured Finance Country Comparative Guide, 2022.

• Author of IFLR Focus Report: Regulatory Sandbox, 2018

• Author of IFLR: Investment in Indonesia

• Author of Indonesia’s National Payment Gateway: Impact on Operations of Licensed Principals, Financier Worldwide, 2018

• Author of UK Practical Law Thomson Reuters: Shareholders Agreement and Bye-Laws Questions: Indonesia, 2016

• Author of Financier Worldwide Magazine: Reporting by Indonesian companies of their Offshore Loan Facilities, 2014