Conventional Fintech P2P Lending
Jasa Intermediasi Pinjam Meminjam Uang Berbasis Teknologi Informasi Konvensional
🏦 Section K — Financial & Insurance Activities
In Bali: open to a PT PMA
The Conventional Fintech Behind a Direct Rupiah Loan Match
A conventional fintech peer-to-peer lending service, open nationally to full foreign ownership and not blocked by Bali's PMA moratorium.
A foreign-owned business can therefore register this activity in Bali today, within the national 100% foreign-ownership ceiling.
Renumbered/adjusted from KBLI 2020. KBLI 66161 is unchanged from 2020 to 2025. POJK 40/2024 is the current framework, superseding POJK 10/2022, with UU P2SK as the legislative basis. OSS verification and update are now required following the closure of the June 2026 window. Also cited for this code: POJK 3/2024 (ITSK — Financial Sector Technology Innovation).
What You Need
Bali Intelligence
- OJK P2P lending license — mandatory (registration then licensing)
- 66162Sharia P2P lending for Islamic finance version
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.
Title and scope as defined by the KBLI-2025 classification.
locator: OSS_RBA_2025_id_version_fff4053d
Risk category and licensing rows are KBLI-2025-native from the OSS Risk-Based Approach catalog.
locator: OSS_RBA_resiko_2025
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.
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.
Can foreigners operate a conventional fintech p2p lending business in Indonesia?
What license is required for KBLI 66161?
What is KBLI 66161?
How did KBLI 66161 change from KBLI 2020 to 2025?
Related Codes
Sharia Fintech P2P Lending
Jasa Intermediasi Pinjam Meminjam Uang Berbasis Teknologi Informasi Syariah
Other Financial Market Advisory
Aktivitas Advisori Pasar Keuangan Lainnya
Securities Transaction Financing
Aktivitas Pendanaan untuk Transaksi Efek
Sharia Capital Market Advisory
Aktivitas Advisori Syariah Pasar Modal
Trust Custody & Management
Penitipan dan Pengelolaan Berdasarkan Perjanjian Trust
Commodity Futures Trading Advisory
Aktivitas Advisori Perdagangan Berjangka Komoditas
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