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KBLI Navigator/Section N/82912
KBLI 82912

Credit Bureau

Aktivitas Biro Kredit

📋 Section N — Administrative & Support Services

In Bali: open to a PT PMA

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

KBLI 82912: The Business of Making Credit Information Usable

A credit-information bureau can operate at every business scale, with full foreign ownership open nationally and no Bali moratorium block recorded.

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
PMA registration is nationally open up to 100% foreign ownership, and the Bali record does not show this activity as blocked by the provincial PMA moratorium.
What Changed

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

What You Need

Nationally, this KBLI is 100% open to foreign ownership. In Bali, it is classified as a higher-risk activity but is not blocked by the local moratorium. Registration is possible, but expect extra scrutiny — you will likely need a verified commercial address and must demonstrate strong data-protection compliance.

Who This Is For

Foreign founders building fintech, credit-scoring, or alternative data platforms that serve Indonesian financial institutions.

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
Processing3 working days
2020 → 2025
Previous codes (KBLI 2020): 82912
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 82912

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 credit bureau business in Indonesia?
Yes. KBLI 82912 (Aktivitas Biro Kredit) 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 82912?
KBLI 82912 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: 3 Hari.
What is KBLI 82912?
KBLI 82912 is the Indonesian business classification code for "Aktivitas Biro Kredit" (Credit Bureau). It falls under Section N 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 82912 change from KBLI 2020 to 2025?
KBLI 82912 was mapped from previous code 82912 (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

82921Section N

Agricultural & Fishery Products Packaging

Aktivitas Pengepakan Bahan dan Produk Hasil Pertanian, Perkebunan, Kehutanan, dan Perikanan

→
🏝️⚠️Conditional in Bali — depends on declared scope✅Open· 100% ForeignLow Risk
82911Section N

Debt Collection Agency

Aktivitas Agen Penagihan

→
🏝️✅Open in Bali (high-risk tier)✅Open· 100% Foreign
82922Section N

Food & Beverage Packaging

Aktivitas Pengepakan Bahan dan Produk Makanan dan Minuman Olahan

→
🏝️✅Registrable in Bali✅Open· 100% ForeignMedium-Low Risk
82923Section N

Textile Products Packaging

Aktivitas Pengepakan Tekstil dan Produk Tekstil

→
🏝️✅Registrable in Bali✅Open· 100% ForeignMedium-Low Risk
82924Section N

Chemical Products Packaging

Aktivitas Pengepakan Bahan dan Produk Kimia

→
🏝️✅Registrable in Bali✅Open· 100% ForeignMedium-Low Risk
82925Section N

Pharmaceutical Contract Packaging

Aktivitas Pengepakan Bahan dan Produk Farmasi

→
🏝️✅Registrable in Bali✅Open· 100% ForeignMedium-Low Risk
🏢

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