KBLI 2020 · Kode 5-digit

64951Layanan Pinjam Meminjam Uang Berbasis Teknologi Informasi (Fintech P2P Lending) Konvensional

Diperbarui terakhir · Bersumber dari OSS Indonesia

This group includes money lending services based on information technology (fintech peer to peer lending) that are conducted conventionally, with business activities including the provision, management, and operation of financial services to connect lenders with borrowers in order to make loan agreements in Indonesian Rupiah directly through an electronic system using the internet network.

For foreign investors

Key facts for KBLI 64951

The essentials a foreign investor needs to know before reading the rest of this page.

  • 100% foreign ownership permitted via PT PMA. KBLI 64951 is not on Indonesia's closed, conditional, SME-reserved or partnership-required schedules under Pres. Reg. 10/2021.

  • Needs OJK approval on top of OSS KBLI 64951 requires sector approval from OJK, so the BKPM default (IDR 2.5 billion paid-up) is just the starting point — actual capital and licensing terms depend on the licence category and are set by the regulator. We confirm the exact figures before incorporation.

  • High-risk activity — requires NIB + full Operating License (Izin) to operate commercially. NIB alone enables only the preparation stage; an Operating License must be obtained before invoicing or production starts.

  • Issuing authority for PMA: Menteri/Kepala Badan — specific to foreign-owned entities under this KBLI.

  • OJK authorization required: in addition to OSS NIB. Capital requirements set by OJK are typically much higher than the standard PT PMA minimum.

  • Ongoing reporting: quarterly LKPM (Investment Activity Report) to BKPM. We file these on your behalf as part of monthly compliance — you stay out of the OSS portal entirely.

At a glance
For Large-scale (PMA) operation
Foreign investment
100% foreign ownership allowed
No restrictions under Indonesia's BUPM regulation
Risk level
High
NIB + full Operating License
Primary license
NIB + full Operating License (Izin)
NIB enables preparation only — additional permit needed to operate
Setup timeline
Instant
NIB issued immediately on application
Issuing authority
Minister / Agency Head
For foreign-owned (PMA) entities
Min. paid-up capital
IDR 2.5 B + sector
OJK approval required on top of OSS — actual capital depends on the licence
Figures shown are for the Large business scale (Usaha Besar) — the scale at which foreign-owned PT PMA must register. Setup time and license type are what Emerhub will handle on your behalf; the regulatory matrix below is for transparency.
§ 01

Status investasi (lokal)

Regulasi BUPM (Bidang Usaha Penanaman Modal) Indonesia menempatkan kode ini dalam salah satu dari lima kategori. Untuk perusahaan dengan pemegang saham WNI, batasan investasi asing dan ketentuan khusus PMA tidak berlaku — aturan di bawah mencakup yang relevan untuk operator lokal.

Status · Terbuka untuk modal lokal

Sepenuhnya terbuka untuk investasi lokal

KBLI 64951 tidak memiliki batasan investasi untuk perusahaan milik Indonesia. PT lokal dengan pemegang saham WNI 100% dapat beroperasi di kegiatan ini secara langsung. Persyaratan perizinan di bawah berlaku seragam tanpa memandang nasionalitas modal.

Tersedia untuk perusahaan 100% milik Indonesia (PT lokal). Tidak ada batasan kepemilikan asing yang berlaku, tidak ada kewajiban pelaporan LKPM, dan aturan modal disetor IDR 2,5 miliar untuk PMA tidak berlaku — modal disetor ditentukan oleh para pendiri di akta. Aturan khusus sektor di atas tetap berlaku jika relevan.
§ 02

How we handle your KBLI 64951 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. 1

    Confirm the optimal structure for your business

    2–3 business days

    We confirm KBLI 64951 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. 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.

    What we need from you
    • Powers of attorney (we prepare; you sign and notarize)
    • Director / commissioner appointment letters
    • Initial capital deposit confirmation
  3. 3

    We obtain your NIB

    1–2 business days

    We file the OSS application with KBLI 64951 as your primary business activity, complete the risk-based assessment, and collect the NIB (Business Identification Number) for you — typically within hours of submission. You don't need to touch the OSS portal.

    What we need from you
    • Office address (virtual office acceptable for many KBLIs; we can arrange one)
  4. 4

    Secure your full Operating License (Izin)

    Per ministry schedule

    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. We prepare the application bundle, liaise with the competent ministry, and chase issuance through to the certificate. Statutory turnaround: set by ministry — real-world timing typically runs longer when site inspections or additional clarifications are requested.

    What we need from you
    • Technical documentation specific to your operation
    • Appointment of a Penanggung Jawab Teknis (PJT — technical responsible person)
  5. 5

    Hand-off to ongoing compliance

    Ongoing

    Post-launch we run your monthly tax filings, quarterly LKPM (Investment Activity Reports), annual general meeting (RUPS), and any sector-specific reporting. You get a single point of contact and a monthly compliance digest — no Indonesian-language paperwork on your desk.

Get an exact quote and timeline for KBLI 64951, scoped to your specific business plan.
Request a quote
§ 03

Apa itu KBLI 64951?

Penjelasan sederhana tentang klasifikasi ini dan jenis usaha yang termasuk di dalamnya.

KBLI 64951 adalah kode Klasifikasi Baku Lapangan Usaha Indonesia 5-digit untuk layanan pinjam meminjam uang berbasis teknologi informasi (fintech p2p lending) konvensional. Termasuk dalam kategori Aktivitas Keuangan dan Asuransi di bawah subgolongan Information Technology-Based Peer-to-Peer Lending Services (Fintech P2P Lending) (golongan pokok 64) dalam taksonomi resmi KBLI 2020 yang dikelola Badan Pusat Statistik (BPS).

This group includes money lending services based on information technology (fintech peer to peer lending) that are conducted conventionally, with business activities including the provision, management, and operation of financial services to connect lenders with borrowers in order to make loan agreements in Indonesian Rupiah directly through an electronic system using the internet network.

Siapa yang membutuhkan KBLI 64951?

Setiap entitas, baik milik Indonesia maupun asing, yang berniat beroperasi di bidang layanan pinjam meminjam uang berbasis teknologi informasi (fintech p2p lending) konvensional sebagai kegiatan usaha utama atau sekunder wajib memilih kode ini pada NIB (Nomor Induk Berusaha). Kode yang dipilih menentukan instrumen perizinan yang dibutuhkan, otoritas penerbit, dan kewajiban kepatuhan berkelanjutan.

Mengapa kode ini penting?

Pendekatan Berbasis Risiko OSS Indonesia menggunakan kode KBLI untuk menentukan tiga hal: (1) apakah investasi asing diizinkan dan dengan batas berapa, (2) instrumen perizinan berbasis risiko yang dibutuhkan, dan (3) otoritas yang menerbitkan setiap instrumen. Memilih kode yang salah dapat menunda atau membatalkan izin Anda.

§ 04

Panduan khusus Jasa keuangan

Konteks sektor yang berlaku untuk KBLI 64951 di luar proses OSS umum. Konfirmasi dengan kementerian terkait sebelum komitmen modal.

Regulator utama
Otoritas Jasa Keuangan (OJK) / Bank Indonesia
  • ·Kegiatan perbankan, multi-finance, dan sekuritas membutuhkan otorisasi OJK selain NIB OSS.
  • ·Batas modal asing bervariasi per sub-sektor: 99% untuk bank umum (tergantung persetujuan OJK), 85% untuk multi-finance, 99% untuk sekuritas.
  • ·Persyaratan modal untuk bank/perusahaan finance ditetapkan OJK dan jauh lebih tinggi dari minimum PT PMA standar.
§ 05

Dalam KBLI 2025 mendatang

BPS Indonesia menerbitkan taksonomi KBLI 2025 baru pada awal 2025. OSS, BKPM, dan kementerian operasional belum mengadopsinya — KBLI 2020 tetap menjadi standar aktif untuk pendaftaran usaha. Berikut apa yang akan datang untuk kode spesifik ini.

Dilanjutkan ke KBLI 2025

KBLI 64951 mempertahankan nomor kode dan ruang lingkup yang sama dalam taksonomi baru. Deskripsi kegiatan, hierarki, dan tujuan penggunaan kode tetap dipertahankan.

  • ·Lanjutkan menggunakan 64951 untuk pendaftaran saat ini di KBLI 2020.
  • ·Ketika OSS mengadopsi KBLI 2025 (waktu belum diumumkan), tidak diperlukan migrasi untuk kode ini.
  • ·Tingkat risiko, izin, dan rutinitas otoritas yang ditampilkan di atas tetap berlaku di kedua taksonomi.

Ketika OSS mengadopsi KBLI 2025, kami akan memigrasi entitas yang ada ke kode pengganti yang sesuai sebagai bagian dari layanan kepatuhan berkelanjutan — tidak diperlukan tindakan dari pihak Anda sekarang.

Bicara dengan spesialis
§ 02

Tingkat risiko per skala usaha

Indonesia's OSS Risk-Based Approach assigns a separate risk level for each of the four business scales. The licensing instruments required (NIB, Standard Certificate, Operating License) are determined by the risk level. Foreign-owned entities (PT PMA) must register at the Large scale, so the rightmost column applies to most foreign investors.

01

Micro

Usaha Mikro
≤ IDR 2 B turnover
High risk
NIB + full Operating License (Izin) before invoicing.
02

Small

Usaha Kecil
IDR 2 – 15 B
High risk
NIB + full Operating License (Izin) before invoicing.
03

Medium

Usaha Menengah
IDR 15 – 50 B
High risk
NIB + full Operating License (Izin) before invoicing.
04

Large

PMA scale
Usaha Besar
IDR > 50 B
High risk
NIB + full Operating License (Izin) before invoicing.
What does each risk level require to operate? ›
Low. NIB alone is sufficient for both preparation and commercial operation. Issued instantly via OSS.
Medium-Low. NIB enables preparation only. Commercial operation requires a self-declared Sertifikat Standar (Standard Certificate). Operating with NIB alone is not legally compliant.
Medium-High. NIB enables preparation only. Commercial operation requires a Sertifikat Standar verified by the competent ministry — typically with a site or document inspection.
High. NIB enables preparation only. Commercial operation requires a full Operating License (Izin) issued by the competent ministry after substantive review.
Beyond OSS, sector-specific permits commonly apply on top — e.g. SBU for construction, BPOM for food/cosmetics/medicines, OJK for financial services, IUP for mining, PSE for digital services. See the industry-specific guidance below for what applies to this KBLI.
§ 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).

Ruang lingkup kegiatan

Usaha layanan pinjam meminjam uang berbasis teknologi informasi (fintech peer to peer lending) yang diselenggarakan secara konvensional, dengan kegiatan usaha meliputi penyediaan, pengelolaan, dan pengoperasian layanan jasa keuangan untuk mempertemukan pemberi pinjaman dengan penerima pinjaman dalam rangka melakukan perjanjian pinjam meminjam dalam mata uang rupiah secara langsung melalui sistem elektronik dengan menggunakan jaringan internet.

Yang dibutuhkan untuk beroperasi
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.

Persyaratan permohonan

1

Dokumen dan kapabilitas yang harus dipenuhi pada saat pendaftaran

  • 01Lembaga OSS hanya menerbitkan NIB. Permohonan Perizinan Berusaha diajukan oleh Pelaku Usaha ke, diterbitkan oleh, serta dengan memenuhi persyaratan yang ditetapkan oleh, Otoritas Jasa Keuangan (OJK) sesuai ketentuan perundangan

Kewajiban berkelanjutan

1

Kewajiban kepatuhan dan pelaporan selama operasional

  • 01Memenuhi kewajiban yang ditetapkan oleh Otoritas Jasa Keuangan (OJK) sesuai ketentuan perundangan

Otoritas penerbit

Otoritas yang menerbitkan izin tergantung pada situasi Anda.

OtoritasBerlaku saat
Menteri/Kepala BadanSeluruh
Menteri/Kepala BadanPMA
Emerhub advisor
Bicara dengan Emerhub

Pendirian PT lokal Anda untuk KBLI 64951, ditangani end-to-end.

Layanan pendirian PT lokal kami menangani akta notaris, NIB OSS, NPWP, dan layanan kepatuhan bulanan. Untuk UMK dengan pemegang saham 100% WNI.
Lihat layanan PT lokal