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KBLI Navigator/Section K/66224
KBLI 66224

Surety Agency

Aktivitas Agen Penjaminan

🏦 Section K — Financial & Insurance Activities

In Bali: a PT PMA cannot register this code

National procedure — does not apply to a PT PMA in Bali

In Bali this activity is reserved for MSMEs; a PT PMA (large enterprise) cannot register it. The national procedure below applies only to non-PMA operators.

✅Open· 100% nat'l · blocked in BaliMedium-Low RiskDirect Match🏝️🚫Closed in Bali (2026 moratorium)

This activity covers marketing and distributing guarantee products—such as bid bonds, performance guarantees, or sharia-compliant guarantees—on behalf of an underlying guarantee company. You act as an intermediary agent, not the guarantor itself, connecting clients who need guarantees with licensed guarantee providers.

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 (PMA). However, in Bali, a local moratorium blocks new PMA registrations for low and medium-low risk activities, and this code is classified as blocked there despite its national openness. Effectively, you cannot register a foreign-owned company for this activity in Bali under current local policy.

Who This Is For

This suits foreign entrepreneurs looking to build a guarantee marketing agency or distribution network for established guarantee firms, especially those already active in markets where guarantee bonds are common.

Licensing Overview
Risk LevelMenengah Rendah
License TypeNIB dan Sertifikat Standar
Foreign Ownership100% Open
ProcessingInstant
2020 → 2025
Previous codes (KBLI 2020): 66224
Common Questions
Can foreigners operate a surety agency business in Indonesia?
Nationally yes — but NOT in Bali. KBLI 66224 (Aktivitas Agen Penjaminan) is TERBUKA (100% foreign ownership) at the national level, but a PT PMA currently cannot register it in Bali (reserved for UMKM / 2026 moratorium). Nationally TERBUKA but the Besar scale is 'Menengah Rendah' -> blocked by the Bali PMA moratorium (Gov. letter B.27.000/642, 13 May 2026: all Rendah/Menengah Rendah blocked for a Bali address). [NB-3 28 June 2026] Outside Bali it is open to a PT PMA with no local partner required.
What license is required for KBLI 66224?
KBLI 66224 has a Menengah Rendah risk classification. Required license: NIB dan Sertifikat Standar. Processing time: Otomatis.
What is KBLI 66224?
KBLI 66224 is the Indonesian business classification code for "Aktivitas Agen Penjaminan" (Surety Agency). 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 66224 change from KBLI 2020 to 2025?
KBLI 66224 was mapped from previous code 66224 (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.

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🏢

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