KBLI 64954

Sharia Pawnbroking

Aktivitas Gadai Syariah

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskRenumberedRegistrable in Bali· medium conf.

This covers Sharia-compliant pawnbroking services: lending money against pledged goods (gadai) or through fiduciary guarantees (fidusia), along with secure valuable-item storage and professional appraisal services—fully aligned with Islamic principles.

What Changed

KBLI 2020→2025 mapping: codice rinumerato.

What You Need

Nationally, this activity is open to 100% foreign ownership. 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 an ethical, Sharia-based pawnshop business—though they must look outside Bali until the local restrictions are lifted.

Licensing Overview

Risk LevelTinggi

License TypeNIB + Izin

Foreign Ownership100% Open

ProcessingSesuai ketentuan OJK/BI

2020 → 2025

Previous codes (KBLI 2020): 64922— PP28 usa codice KBLI 2020 64922 (Pergadaian Syariah...). Match: 94%

Common Questions

Can foreigners operate a sharia pawnbroking business in Indonesia?

Yes. KBLI 64954 (Aktivitas Gadai Syariah) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian partner required.

What license is required for KBLI 64954?

KBLI 64954 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.

What is KBLI 64954?

KBLI 64954 is the Indonesian business classification code for "Aktivitas Gadai Syariah" (Sharia Pawnbroking). 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 64954 change from KBLI 2020 to 2025?

KBLI 64954 was mapped from previous code 64922 (KBLI 2020). PP28 usa codice KBLI 2020 64922 (Pergadaian Syariah...). Match: 94% 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

64955Section K

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Pengelolaan Tabungan Perumahan Rakyat

→

Registrable in Bali✅Open· 100% ForeignHigh Risk

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Aktivitas Gadai Konvensional

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Registrable in Bali✅Open· 100% ForeignHigh Risk

64959Section K

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Aktivitas Pemberian Kredit Lainnya Ytdl

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Registrable in Bali✅Open· 100% ForeignHigh Risk

64952Section K

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Pembiayaan Infrastruktur Syariah

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Registrable in Bali✅Open· 100% ForeignHigh Risk

64991Section K

Conventional Venture Capital

Aktivitas Modal Ventura Konvensional

→

Registrable in Bali✅Open· 100% ForeignHigh Risk

64951Section K

Conventional Infrastructure Financing

Pembiayaan Infrastruktur Konvensional

→

Registrable in Bali✅Open· 100% ForeignHigh Risk

🏢

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KBLI 64954

Sharia Pawnbroking

Aktivitas Gadai Syariah

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskRenumberedRegistrable in Bali· medium conf.

What Changed

KBLI 2020→2025 mapping: codice rinumerato.

What You Need

Who This Is For

Foreign entrepreneurs aiming to run an ethical, Sharia-based pawnshop business—though they must look outside Bali until the local restrictions are lifted.

Licensing Overview

Risk LevelTinggi

License TypeNIB + Izin

Foreign Ownership100% Open

ProcessingSesuai ketentuan OJK/BI

2020 → 2025

Previous codes (KBLI 2020): 64922— PP28 usa codice KBLI 2020 64922 (Pergadaian Syariah...). Match: 94%

Common Questions

Can foreigners operate a sharia pawnbroking business in Indonesia?

Yes. KBLI 64954 (Aktivitas Gadai Syariah) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian partner required.

What license is required for KBLI 64954?

KBLI 64954 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.