Ms Maria H. Sagrado > Makarim & Taira S. > Jakarta, Indonesia > Lawyer Profile

Makarim & Taira S.

Work Department

Banking and Finance, Capital Markets, Foreign Investment & General Corporate Practice, Hotel, Resort and Tourism, Media, IT and Telecommunications, Mergers and Acquisitions, Mining and Energy


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.


Administration, PT. Serg’s Product Indonesia, 1997-1999; Intern, Gani Djemat & Partners, Surabaya, 2000; Associate, Makarim & Taira S., 2000; Internship with Linklaters Allen & Gledhill, Singapore office, 2005; Senior Associate, Makarim & Taira S., Jakarta, 2008-2012; Partner, Makarim & Taira S., Jakarta, present.


Indonesian and English.


  • Member, The Indonesian Advocates Association (PERADI) since 2010
  • Member, The Indonesian Capital Markets Legal Consultants Association (HKHPM) since 2013
  • Code Ethic Member, FinTech Association (Aftech) since 2016


S.H. (cum laude predicate), Airlangga University, Surabaya, Indonesia, 2000; M.Kn, Pelita Harapan University, Jakarta, Indonesia, 2015;
LL.M, International Commercial and European Law, University of Sheffield, Sheffield, United Kingdom, 2005.

Comparative Guides

Indonesia: Lending & Secured Finance April 2022 This country-specific Q&A provides an overview to Lending & Secured Finance laws and regulations that may occur in Indonesia.