Sharia Fintech P2P Lending
Jasa Intermediasi Pinjam Meminjam Uang Berbasis Teknologi Informasi Syariah
🏦 Section K — Financial & Insurance Activities
In Bali: open to a PT PMA
Sharia-compliant fintech peer-to-peer lending — P2P financing under Islamic finance principles using mudharabah, musharakah, or qardh structures instead of conventional interest-bearing loans. Regulated separately from conventional P2P but under the same OJK framework.
Unchanged 2020→2025 as a code distinct from the conventional variant. POJK 40/2024 covers both versions. KBLI 2025 is the first edition to codify this explicitly as a separate activity.
What You Need
Bali Intelligence
- OJK sharia P2P license — mandatory
- DSN-MUI fatwa — required for product structure
- 66161Conventional P2P (separate entity required)
Can foreigners operate a sharia fintech p2p lending business in Indonesia?
What license is required for KBLI 66162?
What is KBLI 66162?
How did KBLI 66162 change from KBLI 2020 to 2025?
Related Codes
Securities Transaction Financing
Aktivitas Pendanaan untuk Transaksi Efek
Conventional Fintech P2P Lending
Jasa Intermediasi Pinjam Meminjam Uang Berbasis Teknologi Informasi Konvensional
Trust Custody & Management
Penitipan dan Pengelolaan Berdasarkan Perjanjian Trust
Other Financial Market Advisory
Aktivitas Advisori Pasar Keuangan Lainnya
Securities Rating
Pemeringkatan Efek
Sharia Capital Market Advisory
Aktivitas Advisori Syariah Pasar Modal
Ready to register this business?
Bali Zero handles PT PMA setup, KBLI registration, NIB, and all licensing for KBLI 66162.
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
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