KBLI 85491 (Management and Banking Education Services) is the 5-digit Indonesian Standard Industrial Classification code for management and banking education services. It sits within the Education category in the official KBLI 2020 taxonomy maintained by Badan Pusat Statistik (BPS).

Can foreign investors operate under KBLI 85491?

Yes — KBLI 85491 is fully open to foreign investment. A PT PMA may operate with up to 100% foreign ownership, subject to BKPM Reg. 5/2025 capital requirements (IDR 2.5 billion paid-up + IDR 10 billion+ commitment per KBLI).

What is the risk level of KBLI 85491?

KBLI 85491's risk levels per business scale: Micro High, Small High, Medium High, Large High. Foreign-owned entities (PT PMA) must register at the Large scale.

What licenses does KBLI 85491 require?

NIB + Operating Licence (Izin). KBLI 85491 is High risk at Large scale, so the Operating Licence requires substantive sector-regulator approval before the business can operate. Expect a multi-month review with technical submissions. Plus one basic requirement (KKPR) at the class level.

What is the minimum capital for a PT PMA under KBLI 85491?

BKPM Reg. 5/2025 default applies: IDR 2.5 billion paid-up capital at incorporation + IDR 10 billion+ total investment commitment per KBLI registered, realized over time and reported quarterly via LKPM.

How long does it take to register a business under KBLI 85491?

PT PMA setup typically takes 4-8 weeks end-to-end: AHU registration, NIB via OSS, bank account opening. KBLI-specific licensing depends on the permit instrument required.

Is KBLI 85491 eligible for Indonesian tax incentives?

Not on the Tax Holiday or Tax Allowance priority lists. KBLI 85491 businesses pay the standard 22% PPh Badan; Super Tax Deduction (300% R&D / 200% vocational training) may still apply for qualifying expenses.

Which authority issues the KBLI 85491 license?

Authority depends on the investor profile. For PMA: Regent/Mayor. For domestic SME scale: typically Governor (for Provincial scope) or Regent/Mayor (Regency/City scope). Specific mapping is in §1 of this page.

What other permits beyond the NIB does KBLI 85491 need?

Beyond the NIB, no specific auxiliary permits (PB UMKU) are recorded for KBLI 85491. Sector-specific obligations may still apply — verify with the relevant ministry.

What KBLI codes are similar to 85491?

KBLIs in the same subgroup 8549: 85492 (Private Computer Education Services (Information and Communication Technology)); 85493 (Private Language Education Services); 85494 (Private Health Education Services); 85495 (Private Tutoring and Counseling Education); 85496 (Aircraft Crew Education and Special Air Transportation Services Aircraft Crew Education). These are closely related activities — see the related-codes section below for full list.

KBLI 85491: Management and Banking Education Services…

At a glance

2 requirements · click to jump

What you’ll need to operate under KBLI 85491

Set up the PT PMA
IDR 2.5B paid-up · IDR 10B investment commitment
Details
Get OSS licensing
NIB + Operating Licence (Izin) — Large-scale, High risk
Details

§ 01

Foreign investment rules

Indonesia's BUPM (Investment Business Fields) regulation places this code into one of five tracks. The track determines whether a foreign investor (PMA) can operate in this activity at all, and under what conditions.

Status · open

Fully open to foreign investment

KBLI 85491 is not on Indonesia's closed, conditional, SME-reserved or partnership-required schedules. A foreign investor may incorporate a PT PMA with up to 100% foreign ownership and operate in this activity directly.

This KBLI is not listed in any restricted, closed, SME-reserved or partnership-required schedule under Pres. Reg. 10/2021 (as amended). A 100% foreign-owned PT PMA may operate in this activity, subject to the licensing requirements shown below. BKPM's default minimum capital is IDR 2.5 billion paid-up with IDR 10 billion+ total investment commitment per KBLI realised over time, but sector regulators (OJK, ESDM, BPOM, Kominfo, etc.) can set higher minimums for specific activities — we confirm the actual figure before incorporation.

§ 02

How we handle your KBLI 85491 setup

Emerhub is a corporate-services provider in Indonesia. We do the legal and regulatory legwork for foreign investors so you can focus on the business itself. Here's what the engagement looks like.

1
Confirm the optimal structure for your business
2–3 business days
We confirm KBLI 85491 is the right primary code for your business, advise on secondary codes you may also need, and finalize the holding structure with you before any filing.
What we need from you
- Founders' passport copies and proof of residence
- Intended share split and board composition
2
Incorporate your PT PMA
7–10 business days
We draft the Articles of Association before a notary, register the entity with the Ministry of Law & Human Rights (Kemenkumham), and obtain the company's tax ID (NPWP). Under BKPM Reg. 5/2025, paid-up capital is IDR 2.5 billion (~USD 160K) — the cash actually deposited at incorporation. The IDR 10 billion+ figure many sources still cite is the total investment commitment per KBLI, realised over time via your LKPM reports.

Get an exact quote and timeline for KBLI 85491, scoped to your specific business plan.

Request a quote

§ 05

Licensing requirements in detail

Specific permits, application requirements and ongoing obligations vary by business scale and the sub-activity within this KBLI. We file these on your behalf — this section is for transparency on what we'll be handling. Switch between scales below; by default we show Large (the PMA scale).

Sub-activity scope

Management and banking education activities organized by private entities. Activities included in this category are educational services or courses in business administration, office administration, health administration, trade administration, accounting, business accounting, banking accounting, office accounting, tax accounting, corporate accounting, insurance, export-import, customs and excise, entrepreneurship, management, administrative management, business management, information management, health management, financial management, financial and tax management, tourism management, training management, marketing/trade management, banking management, office management, corporate management, property management, applied management, typing, marketing, fashion marketing, security, banking and capital markets, office management, taxation, business polytechnic, nursing, hospitality, sales management, secretarial, urban planning, entrepreneurship, and others.

What's required to operate

NIB

Preparation only — additional permit needed below

Operating License (Izin)

Important: NIB is issued for the preparation stage. Commercial operation requires a full Operating License (Izin) issued by the competent ministry after a substantive review of the operator's capability, facility, and compliance. Operating with NIB alone exposes the entity to penalties, blacklisting, and contract invalidation.

Application requirements

Documents and capabilities you must demonstrate at registration

01The OSS institution only issues the NIB. Business License applications are submitted by Business Actors by meeting the requirements set by the Ministry of Education, Culture, Research, and Technology in accordance with legal provisions, and are issued by: Regent/Mayor through the Head of the Education Office via the DPMPTSP of the Regency/City; or Minister of Education, Culture, Research, and Technology [only for PMA]

Ongoing obligations

Compliance and reporting duties throughout operation

01Fulfill the obligations set by the Ministry of Education, Culture, Research, and Technology in accordance with the applicable laws and regulations.

Issuing authority

The authority that issues the license depends on your situation.

Authority	Applies when
Regent/Mayor	All
Minister/Head of Agency	Foreign Investment

Speak to Emerhub

Get your KBLI 85491 setup handled end-to-end.

Emerhub is a corporate-services provider in Indonesia. We handle PT PMA incorporation, licensing, tax registration and monthly compliance — so you focus on operating the business.

Get a quote for KBLI 85491

Authority

Applies when

Regent/Mayor

All

Minister/Head of Agency

Foreign Investment

What you’ll need to operate under KBLI 85491

Foreign investment rules

Fully open to foreign investment

How we handle your KBLI 85491 setup

Confirm the optimal structure for your business

Incorporate your PT PMA

Licensing requirements in detail

Application requirements

Ongoing obligations

Issuing authority

Related codes in Other Education, etc

Get your KBLI 85491 setup handled end-to-end.

KBLI.CO.ID

Quick Links

Resources

Yes — open to PMA up to 100%.

What's specific to this sector

PMA-specific filings · handled by Emerhub

KBLI 85491 at a glance

What you’ll need to operate under KBLI 85491

Foreign investment rules

Fully open to foreign investment

How we handle your KBLI 85491 setup

Confirm the optimal structure for your business

Incorporate your PT PMA

Licensing requirements in detail

Application requirements

Ongoing obligations

Issuing authority

Related codes in Other Education, etc

Get your KBLI 85491 setup handled end-to-end.

We obtain your NIB

Secure your full Operating License (Izin)

Hand-off to ongoing compliance

Basic requirements (KKPR)

What is KBLI 85491?

Who needs KBLI 85491?

Why does the code matter?

Under the upcoming KBLI 2025

Reorganised in KBLI 2025

Risk level by business scale

Micro

Small

Medium

Large

Common questions about KBLI 85491

What is KBLI 85491?

Can foreign investors operate under KBLI 85491?

What is the risk level of KBLI 85491?

What licenses does KBLI 85491 require?

What is the minimum capital for a PT PMA under KBLI 85491?

How long does it take to register a business under KBLI 85491?

Is KBLI 85491 eligible for Indonesian tax incentives?

Which authority issues the KBLI 85491 license?

What other permits beyond the NIB does KBLI 85491 need?

What KBLI codes are similar to 85491?