Bali Zero
  • Home
  • Visa
  • Tax
  • Property
Get Started
KBLI Navigator/Section K/65132
KBLI 65132

Sharia Guarantee Services

Penjaminan Syariah

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

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

Sharia Guarantees: Open Nationally, Not Blocked in Bali

This activity covers sharia-based guarantees of financial obligations, open to foreign investment nationally and not blocked by Bali’s permanent PMA moratorium at the recorded large-business risk level.

By the numbers
Foreign ownership ceiling
100%
Open scales
Mikro, Kecil, Menengah, Besar
Investment-policy source
Perpres 10/2021, 49/2021
Bali status
Registrable in Bali
For a foreign-owned registration in Bali, this code is not barred by the provincial PMA moratorium on the facts supplied.
What Changed

KBLI 2020→2025 mapping: bps only.

What You Need

Nationally, this KBLI is open 100% to foreign PMA. In Bali, it is not blocked by the local moratorium but is classified as medium-high/high risk, so registration is possible only after address-level verification to ensure compliance with the risk profile.

Who This Is For

Foreign entrepreneurs in Islamic finance or fintech who want to offer Sharia-based guarantee services for lending and partnership programs.

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
ProcessingSesuai ketentuan OJK/BI
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 65132, 65133

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 sharia guarantee services business in Indonesia?
Yes. KBLI 65132 (Penjaminan Syariah) 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 65132?
KBLI 65132 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.
What is KBLI 65132?
KBLI 65132 is the Indonesian business classification code for "Penjaminan Syariah" (Sharia Guarantee 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.

Related Codes

65131Section K

Conventional Guarantee Services

Penjaminan Konvensional

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65123Section K

Deposit & Policy Guarantee Scheme

Aktivitas Penjaminan Simpanan dan Asuransi

→
🏝️✅Registrable in Bali✅Open· 100% Foreign
65122Section K

Sharia General Insurance

Asuransi Umum Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65121Section K★

Conventional General Insurance

Asuransi Umum Konvensional

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65112Section K

Sharia Life Insurance

Asuransi Jiwa Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65111Section K

Conventional Life Insurance

Asuransi Jiwa Konvensional

→
🏝️✅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 65132.

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
Context65132
Ask me anything about KBLI 65132 — Sharia Guarantee Services. Licensing, PMA rules, what changed in 2025, or how it works in Bali.