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KBLI Navigator/Section K/64930
KBLI 64930

Factoring Services

Aktivitas Anjak Piutang

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskRenumbered🏝️✅Registrable in Bali· medium conf.✓OSS-verified · KBLI 2025

Factoring: Buying the Claim, Not Lending Against It

Factoring is the purchase of trade receivables at a discount, nationally open to full foreign ownership and not blocked by Bali’s permanent PMA moratorium.

By the numbers
National foreign-ownership ceiling
100%
Business scales open to
Mikro, Kecil, Menengah, Besar
National PMA source
Perpres 10/2021, 49/2021
Bali status
Registrable in Bali
In plain terms, the national position permits a foreign stake up to full ownership.
What Changed

Unchanged 2020→2025. POJK 46/2024 covers all financing (pembiayaan) activities, including factoring. With the June 2026 transition window closed, verify and update the OSS record now.

What You Need

**Micro / Small / Medium / Large scale**: High risk. **PMA:** Fully open to PMA — 100% foreign ownership allowed.

Bali Intelligence

You'll Also Need
  • OJK multifinance license — mandatory
  • 64910Financial leasing (same license category)
Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
ProcessingSesuai ketentuan OJK/BI
2020 → 2025
Previous codes (KBLI 2020): 80100— Auto-matched to 80100 (Aktivitas Keamanan Swasta...) score=67%
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 64911

Source: the BPS 2020↔2025 conversion table, mechanically extracted and acceptance-gate verified. It shows which 2020 codes map to this 2025 code — provenance only, not a licensing claim: the regulatory regime of these predecessor codes has not been adjudicated as transferring.

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
OSS RBA risk scope (ruang lingkup)VerifiedKBLI 2025

Risk category and licensing rows are KBLI-2025-native from the OSS Risk-Based Approach catalog.

locator: OSS_RBA_resiko_2025

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 MEDIUM.

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 factoring services business in Indonesia?
Yes. KBLI 64930 (Aktivitas Anjak Piutang) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian 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 64930?
KBLI 64930 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.
What is KBLI 64930?
KBLI 64930 is the Indonesian business classification code for "Aktivitas Anjak Piutang" (Factoring Services). 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 64930 change from KBLI 2020 to 2025?
KBLI 64930 was mapped from previous code 80100 (KBLI 2020). Auto-matched to 80100 (Aktivitas Keamanan Swasta...) score=67% The code was renumbered but the business activity scope is essentially unchanged. 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

64940Section K

Securitization Services

Aktivitas Sekuritisasi

→
🏝️🚫Closed in Bali (2026 moratorium)✅Open· 100% nat'l · blocked in Bali
64920Section K

International Trade Financing

Aktivitas Pembiayaan Perdagangan Internasional

→
🏝️🚫Closed in Bali (2026 moratorium)✅Open· 100% nat'l · blocked in Bali
64951Section K

Conventional Infrastructure Financing

Pembiayaan Infrastruktur Konvensional

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64910Section K

Financial Leasing

Aktivitas Sewa Guna Usaha Finansial

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64952Section K

Sharia Infrastructure Financing

Pembiayaan Infrastruktur Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64953Section K

Conventional Pawnbroking

Aktivitas Gadai Konvensional

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

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