It is best to conduct a first meeting with the highest ranking person of a company. An introduction from a local associate or bank representative is helpful. Indonesians don't get right down to business. An initial meeting may last 45-60 minutes without accomplishing much. After this amount of time, the visitor should initiate leaving.
Patience is a necessity when doing business in Indonesia.
Business dealings are usually slow, long and frustrating. Business relationships must be allowed to develop over time. Several visits are generally necessary to complete a contract. Indonesians love to bargain. Giving concessions too quickly will be viewed as naivete.