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KBLI Navigator/Section K/64193
KBLI 64193

Conventional Non-Bank Microfinance

Pembiayaan Mikro Konvensional Nonperbankan

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskAggregated🏝️✅Registrable in Bali· medium conf.

This activity covers non-bank conventional microfinance—providing small loans, managing savings, offering business development advice, and empowering communities, all without using Sharia or banking licenses.

What Changed

KBLI 2020→2025 mapping: match con aggregazione.

What You Need

Nationally, this KBLI is 100% open to foreign ownership (PMA). In Bali, it is not blocked by the moratorium, but it carries a medium-high/high risk classification, so registration is still possible yet you’ll need a verified physical address and should expect stricter compliance checks from local authorities.

Who This Is For

Foreign entrepreneurs with a background in microfinance or impact lending who want to serve grassroots micro-entrepreneurs through a conventional model.

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
Processing3 working days
2020 → 2025
Previous codes (KBLI 2020): 64143— Cleaned: removed invalid ['64193']
Common Questions
Can foreigners operate a conventional non-bank microfinance business in Indonesia?
Yes. KBLI 64193 (Pembiayaan Mikro Konvensional Nonperbankan) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian partner required.
What license is required for KBLI 64193?
KBLI 64193 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: 3 Hari.
What is KBLI 64193?
KBLI 64193 is the Indonesian business classification code for "Pembiayaan Mikro Konvensional Nonperbankan" (Conventional Non-Bank Microfinance). 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 64193 change from KBLI 2020 to 2025?
KBLI 64193 was mapped from previous code 64143 (KBLI 2020). Cleaned: removed invalid ['64193'] Multiple 2020 codes were merged into this single 2025 code. 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

64194Section K★

Sharia Non-Bank Microfinance

Pembiayaan Mikro Syariah Nonperbankan

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64192Section K

Sharia Cooperative Lending

Aktivitas Pemberian Kredit oleh Koperasi Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64199Section K

Other Monetary Intermediation

Perantara Moneter Lainnya Ytdl

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64191Section K

Conventional Cooperative Lending

Aktivitas Pemberian Kredit oleh Koperasi Konvensional

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64124Section K

Other Sharia Banking

Perbankan Syariah Lainnya

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64123Section K

Other Conventional Banking

Perbankan Konvensional Lainnya

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
🏢

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