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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.

This covers credit bureau activities: collecting and providing credit histories, employment data, and creditworthiness evaluations to lenders, retailers, and other parties. It also includes alternative credit scoring and credit information management agencies.

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
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.
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% ForeignMedium-Low Risk
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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