Bali Zero
  • Home
  • Visa
  • Tax
  • Property
Get Started
KBLI Navigator/Section K/64220
KBLI 64220

Conduit Financing

Aktivitas Pembiayaan Conduit

🏦 Section K — Financial & Insurance Activities

In Bali: a PT PMA cannot register this code

National procedure — does not apply to a PT PMA in Bali

In Bali this activity is blocked for a PT PMA under the 13 May 2026 moratorium. The national procedure below applies only to non-PMA operators.

✅Open· 100% nat'l · blocked in BaliAggregated🏝️🚫Closed in Bali (2026 moratorium)· needs review· low conf.❓Not classifiable — divergence documented

Conduit Financing: Open Nationally, Closed to PMA in Bali

A group funding vehicle may be nationally open to full foreign ownership, yet the Bali PMA route is closed by the province’s permanent moratorium.

By the numbers
Foreign-ownership ceiling
100%
Open scales
Mikro, Kecil, Menengah, Besar
PMA source
Perpres 10/2021, 49/2021
Bali status
Closed (Bali moratorium)
A national 100% ownership ceiling is not, in itself, permission to register the activity as PMA in Bali.
What Changed

KBLI 2020→2025 mapping: matched with aggregation.

What You Need

This code covers conduit financing activities — units formed by financial or non-financial groups to raise or borrow funds and channel them to a parent or other group entity. The licensing rows shown here earlier cited a regulatory source our review could not confirm or ground, so they have been removed from this page pending re-verification; the correct licensing is not yet reliably confirmed in our verified sources. Before registering or investing, confirm the current requirements with the Bali Zero team. **Risk tier under review.** The licensing rows this code's risk tier was read from have since been set aside as unverifiable for KBLI 2025, so we cannot currently re-derive it. Where this page states a risk tier or a scale-based requirement, treat it as provisional pending re-derivation, and verify the current classification at oss.go.id before acting on it.

Who This Is For

A foreign entrepreneur looking to set up an intra-group financing arm for a multinational, but currently this structure is only feasible outside of Bali.

2020 → 2025
Previous codes (KBLI 2020): 64200

Regulatory Divergence

The licensing previously shown for 64220 was removed because its source could not be verified as applying to this activity. Here is what the sources actually say — with citations.

Correction note — verbatim, with source locators

KBLI 2025 code 64220 'Aktivitas Pembiayaan Conduit' (conduit financing activities — units formed by financial or non-financial groups to raise/borrow funds, mostly on open markets, and channel them to a parent or other group entity) carries canonical status_mapping='MATCH_CON_AGGREGAZIONE', kbli_2020_source='64200', pp28_sources=['64200'], mapping_note "Cleaned: removed invalid ['64220']". Both the D1 and D5 seats returned NO CATEGORY for this code (Lot 3 gate report §3.4): the D2 self-confirmation path could not ground the cited pointer (64200), so neither seat could commit to a specific defect class. The runner applied its #2731 retro-demote rule to quarantine the code as unresolvable_source_pointer rather than leave it uncategorized — the same rule Lot 2's chain-of-custody handling of 49233 treated as semantically equivalent to source_absent_in_vault, but here filed under its own distinct, closed-registry category label (m3: 5 categories seen, all in the closed-7 v2 registry). No independently-verified replacement parent was established — per rule #9, this cure does NOT correct status_mapping or kbli_2020_source for 64220; it remains a detach-only cure with an honest data_note. per_skala detached; the licensing regime for conduit financing is not retrievable from the pinned sources as hunted. Lot 3 conductor gate (second signing), run wf_c00a9ec4-c61, 2026-07-19.

The detached licensing rows (source unverified for this activity)1 row

These rows were previously shown on this page and have been detached — the correction note above documents, with source locators, why their source could not be kept for the activity this page describes. They are preserved here as the audit trail of the divergence.

Mikro, Kecil, Menengah, BesarLow RiskNIBAuthority: Menteri/ Kepala Badan
BPS Peraturan 7/2025 (KBLI 2025 classification)PP 28/2025 (risk-based licensing annexes)OSS RBA ruang-lingkup — no KBLI-2025 scope retrievable via the OSS API (404)

Sources & Verification

Each data layer below traces to a government source with its KBLI vintage — or is declared as a gap. Nothing in these layers is silently filled in.

Activity definition
BPS Peraturan 7/2025 + PP 28/2025VerifiedKBLI 2025

Title and scope as defined by the KBLI-2025 classification.

locator: OSS_RBA_2025_id_version_fff4053d

Risk & licensing
Detached — source could not be verifiedDeclared gap—

The previously-served rows were removed because their source could not be verified as applying to this activity. See Regulatory Divergence above for the documented correction note.

Foreign ownership (PMA)
Perpres 10/2021, 49/2021Audit pendingKBLI 2020

The investment-list annexes predate KBLI 2025; the per-code crosswalk audit of this layer is in progress. The value shown is the annex text, disclosed with its vintage.

Bali status
Bali province blocks ALL Low + Medium-Low risk KBLI for PMA (island-wide, permanent) (effective 2026-05-13)Audit pending2026 overlay

Conservative posture derived from the risk tier · confidence LOW.

Dataset last updated 2026-07-26 · KBLI 2020 and KBLI 2025 reuse code numbers for different activities — cross-vintage rows are labeled, never merged silently.

Common Questions
Can foreigners operate a conduit financing business in Indonesia?
Nationally yes — but NOT in Bali. KBLI 64220 (Aktivitas Pembiayaan Conduit) is TERBUKA (100% foreign ownership) at the national level, but in Bali it is blocked for a PT PMA under the 13 May 2026 moratorium. [derivation under review] Nationally TERBUKA but the Besar scale is 'Rendah' -> blocked by the Bali PMA moratorium (Gov. letter B.27.000/642, 13 May 2026: all Rendah/Menengah Rendah blocked for a Bali address). [NB-3 28 June 2026] — NOTE: the licensing rows this verdict's risk tier was read from have since been set aside as unverifiable for KBLI 2025, so the verdict cannot currently be re-derived; verdict pending re-derivation from the true risk tier (GARUDA-FILIERA). Outside Bali it is open to a PT PMA with no local partner required. (Source: Perpres 10/2021 as amended by Perpres 49/2021 — the investment-list annexes predate KBLI 2025; per-code crosswalk audit in progress.)
What license is required for KBLI 64220?
We cannot yet show a verified licensing basis for KBLI 64220: the licensing previously associated with this code was removed because its source could not be verified as applying to this activity. See the Regulatory Divergence section on this page for the documented sources, and verify the current OSS treatment before relying on any licensing assumption.
What is KBLI 64220?
KBLI 64220 is the Indonesian business classification code for "Aktivitas Pembiayaan Conduit" (Conduit Financing). It falls under Section K of KBLI 2025, the Indonesian Standard Industrial Classification updated by BPS (Regulation 7/2025). The June 2026 KBLI 2025 transition window has closed; operators should verify the code's current OSS/NIB treatment before relying on it for licensing, reporting, or amendments.
How did KBLI 64220 change from KBLI 2020 to 2025?
KBLI 64220 was mapped from previous code 64200 (KBLI 2020). Multiple 2020 codes were merged into this single 2025 code. The June 2026 KBLI 2025 transition window has closed. If an NIB still relies on legacy KBLI 2020 mappings, treat the migration as overdue and verify/remediate the OSS record before new license applications, amendments, LKPM, import approvals, or investor/worker sponsorship.

Related Codes

64210Section K★

Holding Company

Aktivitas Perusahaan Induk

→
🏝️🚫Blocked in Bali (risk-class moratorium)✅Open· 100% nat'l · blocked in BaliLow Risk
64310Section K

Money Market Fund

Aktivitas Dana Pasar Uang

→
🏝️❓Bali status not classifiable — verify✅Open· 100% Foreign
64320Section K

Non-Money Market Investment Fund

Aktivitas Dana Investasi Bukan Pasar Uang

→
🏝️🚫Closed in Bali (2026 moratorium)✅Open· 100% nat'l · blocked in Bali
64199Section K

Other Monetary Intermediation

Perantara Moneter Lainnya Ytdl

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64330Section K

Trust, Estate & Agency Services

Aktivitas Trust, Warisan, dan Keagenan

→
🏝️🚫Closed in Bali (2026 moratorium)✅Open· 100% nat'l · blocked in Bali
64194Section K★

Sharia Non-Bank Microfinance

Pembiayaan Mikro Syariah Nonperbankan

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
🏢

Ready to register this business?

Bali Zero handles PT PMA setup, KBLI registration, NIB, and all licensing for KBLI 64220.

PT PMA Setup

IDR 20.000.000

Company registration, KBLI, NIB, domicile

Virtual Office

IDR 5.000.000

Legal address for your PT PMA in Bali

5,000+ companies registered since 2020

Get started on WhatsApp
5k+
Clients
★ 4.9
Reviews
~15 min
Response
Talk on WhatsApp
Zantara AIOSS Intelligence System
Context64220
Ask me anything about KBLI 64220 — Conduit Financing. Licensing, PMA rules, what changed in 2025, or how it works in Bali.