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KBLI Navigator/Section K/64953
KBLI 64953

Conventional Pawnbroking

Aktivitas Gadai Konvensional

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

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

Conventional Pawn Activity: Nationally Open, Bali’s Risk Line

Conventional secured lending, custody and valuation services are open nationally to foreign investment and available at every business scale.

By the numbers
Foreign-ownership ceiling
100%
Scales open to
Mikro, Kecil, Menengah, Besar
Bali status
Registrable in Bali
National PMA source
Perpres 10/2021, 49/2021
Nationally, foreign ownership may reach 100%, and Bali’s moratorium does not block this activity.
What Changed

Direct 1:1 match from KBLI 2020 — code and scope unchanged.

What You Need

Nationally, this KBLI is fully open for 100% foreign ownership. In Bali, it's not blocked by the current moratorium, but it falls into a medium-high/high risk category. That means registration is possible, but you'll need to verify your specific business address and zone compliance with authorities, and expect closer scrutiny (and likely extra permits) compared to low-risk activities.

Who This Is For

Foreign entrepreneurs planning to open a conventional pawnshop, offer collateral-based loans, or run a secured storage and valuation service for valuables in Bali.

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
Processing3 working days
2020 → 2025
Previous codes (KBLI 2020): 64953
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 64921

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 conventional pawnbroking business in Indonesia?
Yes. KBLI 64953 (Aktivitas Gadai Konvensional) 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 64953?
KBLI 64953 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: 3 Hari.
What is KBLI 64953?
KBLI 64953 is the Indonesian business classification code for "Aktivitas Gadai Konvensional" (Conventional Pawnbroking). 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 64953 change from KBLI 2020 to 2025?
KBLI 64953 was mapped from previous code 64953 (KBLI 2020). This is a direct match — the code number and scope remained the same. 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

64954Section K

Sharia Pawnbroking

Aktivitas Gadai Syariah

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

Sharia Infrastructure Financing

Pembiayaan Infrastruktur Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64955Section K

Public Housing Savings Fund Management

Pengelolaan Tabungan Perumahan Rakyat

→
🏝️✅Registrable in Bali✅Open· 100% Foreign
64951Section K

Conventional Infrastructure Financing

Pembiayaan Infrastruktur Konvensional

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64959Section K

Other Lending Activities

Aktivitas Pemberian Kredit Lainnya Ytdl

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64940Section K

Securitization Services

Aktivitas Sekuritisasi

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

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