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KBLI Navigator/Section K/64959
KBLI 64959

Other Lending Activities

Aktivitas Pemberian Kredit Lainnya Ytdl

🏦 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

Credit Beyond the Usual Categories: KBLI 64959

A broad credit-activity classification spanning conventional and sharia financing, open nationally to full foreign ownership and not blocked by Bali’s PMA moratorium.

By the numbers
Foreign-ownership ceiling
100%
Open business scales
Mikro, Kecil, Menengah, Besar
National PMA source
Perpres 10/2021, 49/2021
Bali status
Registrable in Bali
For a foreign investor, the national position is straightforward: ownership may reach 100%.
What Changed

KBLI 2020→2025 mapping: code renumbered.

What You Need

Nationally, this KBLI is 100% open to foreign ownership (PMA). In Bali, the island-wide moratorium (in force since 13 May 2026) only halts PMA registrations for Low and Medium-Low risk lines — this KBLI's large-scale (Besar) risk class is higher, so it is not caught: PMA registration in Bali remains possible.

Who This Is For

Foreign entrepreneurs aiming to run alternative lending platforms, fintech credit operations, or private debt financing ventures — though currently unable to set up in Bali.

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
ProcessingSesuai ketentuan OJK/BI
2020 → 2025
Previous codes (KBLI 2020): 88991— Auto-matched to 88991 (Aktivitas Sosial Pemerintah Ta...) score=74%
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 64500, 64911, 64912, 64913

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 other lending activities business in Indonesia?
Yes. KBLI 64959 (Aktivitas Pemberian Kredit Lainnya Ytdl) 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 64959?
KBLI 64959 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.
What is KBLI 64959?
KBLI 64959 is the Indonesian business classification code for "Aktivitas Pemberian Kredit Lainnya Ytdl" (Other Lending Activities). 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 64959 change from KBLI 2020 to 2025?
KBLI 64959 was mapped from previous code 88991 (KBLI 2020). Auto-matched to 88991 (Aktivitas Sosial Pemerintah Ta...) score=74% 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

64991Section K

Conventional Venture Capital

Aktivitas Modal Ventura Konvensional

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

Public Housing Savings Fund Management

Pengelolaan Tabungan Perumahan Rakyat

→
🏝️✅Registrable in Bali✅Open· 100% Foreign
64992Section K★

Sharia Venture Capital

Aktivitas Modal Ventura Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64954Section K

Sharia Pawnbroking

Aktivitas Gadai Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64993Section K

Clearing & Settlement Counterparty Services

Aktivitas Counterparty untuk Kliring dan Setelmen Transaksi

→
🏝️✅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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