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KBLI Navigator/Section K/64191
KBLI 64191

Conventional Cooperative Lending

Aktivitas Pemberian Kredit oleh Koperasi Konvensional

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskRenumbered🏝️✅Registrable in Bali· medium conf.✓OSS-verified · KBLI 2025

Conventional Cooperative Credit, Designed Around Its Members

A conventional cooperative lending activity built on member deposits, member credit and an open national foreign-ownership position.

By the numbers
National foreign-ownership ceiling
100%
Open business scales
Mikro, Kecil, Menengah, Besar
National PMA source
Perpres 10/2021, 49/2021
Bali status
Registrable in Bali
Bali does not block this member-centred cooperative credit activity for PMA registration.
What Changed

KBLI 2020→2025 mapping: code renumbered.

What You Need

Nationally, this KBLI is 100% open to foreign ownership (PMA). In Bali, the island-wide moratorium (in force since 13 May 2026) only halts PMA registrations for Low and Medium-Low risk lines — this KBLI's large-scale (Besar) risk class is higher, so it is not caught: PMA registration in Bali remains possible.

Who This Is For

Foreign entrepreneurs aiming to run a member-based conventional savings and loan cooperative in Indonesia (but note that this is currently unavailable for PMA setup in Bali).

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
Processing3 working days
2020 → 2025
Previous codes (KBLI 2020): 64190— Agent mapping: 64190 (Perantara moneter lainnya...) [high]
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 64141, 64142, 64143, 64144

Source: the BPS 2020↔2025 conversion table, mechanically extracted and acceptance-gate verified. It shows which 2020 codes map to this 2025 code — provenance only, not a licensing claim: the regulatory regime of these predecessor codes has not been adjudicated as transferring.

Sources & Verification

Each data layer below traces to a government source with its KBLI vintage — or is declared as a gap. Nothing in these layers is silently filled in.

Activity definition
BPS Peraturan 7/2025 + PP 28/2025VerifiedKBLI 2025

Title and scope as defined by the KBLI-2025 classification.

locator: OSS_RBA_2025_id_version_fff4053d

Risk & licensing
OSS RBA risk scope (ruang lingkup)VerifiedKBLI 2025

Risk category and licensing rows are KBLI-2025-native from the OSS Risk-Based Approach catalog.

locator: OSS_RBA_resiko_2025

Foreign ownership (PMA)
Perpres 10/2021, 49/2021Audit pendingKBLI 2020

The investment-list annexes predate KBLI 2025; the per-code crosswalk audit of this layer is in progress. The value shown is the annex text, disclosed with its vintage.

Bali status
Bali province blocks ALL Low + Medium-Low risk KBLI for PMA (island-wide, permanent) (effective 2026-05-13)Audit pending2026 overlay

Conservative posture derived from the risk tier · confidence MEDIUM.

Dataset last updated 2026-07-26 · KBLI 2020 and KBLI 2025 reuse code numbers for different activities — cross-vintage rows are labeled, never merged silently.

Common Questions
Can foreigners operate a conventional cooperative lending business in Indonesia?
Yes. KBLI 64191 (Aktivitas Pemberian Kredit oleh Koperasi Konvensional) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian partner required. (Source: Perpres 10/2021 as amended by Perpres 49/2021 — the investment-list annexes predate KBLI 2025; per-code crosswalk audit in progress.)
What license is required for KBLI 64191?
KBLI 64191 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: 3.
What is KBLI 64191?
KBLI 64191 is the Indonesian business classification code for "Aktivitas Pemberian Kredit oleh Koperasi Konvensional" (Conventional Cooperative Lending). 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 64191 change from KBLI 2020 to 2025?
KBLI 64191 was mapped from previous code 64190 (KBLI 2020). Agent mapping: 64190 (Perantara moneter lainnya...) [high] The code was renumbered but the business activity scope is essentially unchanged. 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

64192Section K

Sharia Cooperative Lending

Aktivitas Pemberian Kredit oleh Koperasi Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64124Section K

Other Sharia Banking

Perbankan Syariah Lainnya

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64193Section K

Conventional Non-Bank Microfinance

Pembiayaan Mikro Konvensional Nonperbankan

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64123Section K

Other Conventional Banking

Perbankan Konvensional Lainnya

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64194Section K★

Sharia Non-Bank Microfinance

Pembiayaan Mikro Syariah Nonperbankan

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64122Section K

Sharia Commercial Banking

Perbankan Umum Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
🏢

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