Public Housing Savings Fund Management
Pengelolaan Tabungan Perumahan Rakyat
🏦 Section K — Financial & Insurance Activities
In Bali: open to a PT PMA
Tapera Fund Management: Open Nationally, Address-Checked in Bali
This activity manages public housing savings funds, with national foreign ownership open to 100% and Bali access not blocked by the moratorium, subject to address verification.
Bali does not shut this activity out under that moratorium, yet a PMA registration must still be checked against the specific address.
KBLI 2020→2025 mapping: code renumbered.
What You Need
Who This Is For
Foreign fintech or financial services firms aiming to operate a Tapera fund management platform in Indonesia.
Regulatory Divergence
The licensing previously shown for 64955 was removed because its source could not be verified as applying to this activity. Here is what the sources actually say — with citations.
Correction note — verbatim, with source locators
KBLI 2025 code 64955 'Pengelolaan Tabungan Perumahan Rakyat' (management of Tapera public housing savings — fund mobilization, accumulation, and/or utilization, conducted conventionally or under sharia principles) carries canonical status_mapping='CODICE_RINUMERATO', kbli_2020_source='64992', pp28_sources=['64992'], mapping_note "Agent mapping: 64992 (Perusahaan Pembiayaan Sekunder...) [medium]". The Lot 4 conductor gate (§2, CONDUCTOR-VERIFIED WITHOUT A NEW RENDER) re-read the SAME BPS Lampiran 10 page already used at the Lot 3 gate for 64940 (printed p.399, render lampiran10_p413-413.png): that page shows BOTH '64955 "Pengelolaan Tabungan Perumahan Rakyat" <- 64999 "Aktivitas Jasa Keuangan Lainnya YTDL, Bukan Asuransi dan Dana Pensiun"' AND '64940 "Aktivitas Sekuritisasi" <- 64992 "Perusahaan Pembiayaan Sekunder Perumahan"' — i.e. the cited 64992 is FALSE for 64955 (64992-2020 belongs to 64940, already established at the Lot 3 gate), and the TRUE parent is 64999-2020. Corroborated this session (direct read of the canonical dataset): the CURRENT KBLI-2025 record for code 64999 carries the judul verbatim 'Aktivitas Jasa Keuangan Lainnya YTDL, Bukan Asuransi dan Dana Pensiun' — an exact match to the 2020 title the gate report reads off the image, consistent with a residual/catch-all code number that persisted unchanged across the 2020->2025 recode. The title-similarity explanation for the wrong citation ('Perumahan' appearing in both titles, mapping_note confidence '[medium]') is recorded as a PLAUSIBLE HYPOTHESIS, not a demonstrated cause (gate report §2 red-team wording correction). SECOND, INDEPENDENT contamination signature (verified this session, direct read of the served per_skala payload): the single served row is a savings-and-loan COOPERATIVE ('Koperasi Jasa Keuangan'/KJK) licensing block — 'Sertifikasi kompetensi di bidang keuangan koperasi bagi pengelola', 'izin operasional yang diterbitkan Lembaga otoritas keuangan' for KJK activity, membership-territory parameters typical of a koperasi simpan-pinjam regime — topically unconnected to Tapera housing-savings fund management, and not obviously the content of either the false-cited 64992 or the true 64999 either; a second, independent defect on top of the crosswalk-metadata one, same 'detach entirely, never cherry-pick' principle as Lot 1/2/3. status_mapping is NOT corrected: CODICE_RINUMERATO remains the correct relationship TYPE (a genuine 1:1 renumbering) even once the cited source number (64992) is understood to be wrong — the defect is the cited NUMBER, not the relationship SHAPE, and the compiler has no field to fix the number without inventing one (the same rule that withheld a status_mapping_correction from Lot 3's 64940, its own flagship wrong-parent case on this identical page). pp28_sources stays UNCHANGED (['64992'] — this compiler never authors new source values, same convention as Lot 1/2/3); the true parent 64999 is recorded HERE as provenance only, never injected into pp28_sources. per_skala detached; the licensing regime for Tapera housing-savings management is not retrievable from the pinned sources as hunted. Lot 4 conductor gate (second signing), run wf_66ea406e-b0d, 2026-07-19.
The detached licensing rows (source unverified for this activity)1 row
These rows were previously shown on this page and have been detached — the correction note above documents, with source locators, why their source could not be kept for the activity this page describes. They are preserved here as the audit trail of the divergence.
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.
Title and scope as defined by the KBLI-2025 classification.
locator: OSS_RBA_2025_id_version_fff4053d
The previously-served rows were removed because their source could not be verified as applying to this activity. See Regulatory Divergence above for the documented correction note.
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.
Conservative posture derived from the risk tier · confidence LOW.
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.
Can foreigners operate a public housing savings fund management business in Indonesia?
What license is required for KBLI 64955?
What is KBLI 64955?
How did KBLI 64955 change from KBLI 2020 to 2025?
Related Codes
Other Lending Activities
Aktivitas Pemberian Kredit Lainnya Ytdl
Sharia Pawnbroking
Aktivitas Gadai Syariah
Conventional Venture Capital
Aktivitas Modal Ventura Konvensional
Conventional Pawnbroking
Aktivitas Gadai Konvensional
Sharia Venture Capital
Aktivitas Modal Ventura Syariah
Sharia Infrastructure Financing
Pembiayaan Infrastruktur Syariah
Ready to register this business?
Bali Zero handles PT PMA setup, KBLI registration, NIB, and all licensing for KBLI 64955.
PT PMA Setup
IDR 20.000.000
Company registration, KBLI, NIB, domicile
Virtual Office
IDR 5.000.000
Legal address for your PT PMA in Bali
5,000+ companies registered since 2020
Get started on WhatsApp