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KBLI Navigator/Section K/64955
KBLI 64955

Public Housing Savings Fund Management

Pengelolaan Tabungan Perumahan Rakyat

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignRenumbered🏝️✅Registrable in Bali· needs review· low conf.❓Not classifiable — divergence documented

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.

By the numbers
Foreign ownership ceiling
100%
Open business scales
Mikro, Kecil, Menengah, Besar
PMA source
Perpres 10/2021, 49/2021
Bali status
Registrable in Bali
Bali does not shut this activity out under that moratorium, yet a PMA registration must still be checked against the specific address.
What Changed

KBLI 2020→2025 mapping: code renumbered.

What You Need

This code covers management of Tapera (public housing savings) funds — mobilizing, accumulating, and/or utilizing Tapera savings, whether conducted conventionally or under sharia principles. The licensing rows shown here earlier were tied to a crosswalk source our review found to be a wrong 2020 code (one that actually belongs to a different, unrelated financial activity) and to a served licensing block that itself reads as an unrelated cooperative-savings regime, so they have been removed from this page; the correct licensing for this code is not yet reliably defined in our verified sources. Before registering or investing, confirm the current requirements with the Bali Zero team. **Risk tier under review.** The licensing rows this code's risk tier was read from have since been set aside as unverifiable for KBLI 2025, so we cannot currently re-derive it. Where this page states a risk tier or a scale-based requirement, treat it as provisional pending re-derivation, and verify the current classification at oss.go.id before acting on it.

Who This Is For

Foreign fintech or financial services firms aiming to operate a Tapera fund management platform in Indonesia.

2020 → 2025
Previous codes (KBLI 2020): 64992— Agent mapping: 64992 (Perusahaan Pembiayaan Sekunder...) [medium]

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.

Mikro, Kecil, Menengah, BesarHigh RiskNIB dan IzinAuthority: Menteri/ Kepala Badan
BPS Peraturan 7/2025 (KBLI 2025 classification)PP 28/2025 (risk-based licensing annexes)OSS RBA ruang-lingkup — no KBLI-2025 scope retrievable via the OSS API (404)

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
Detached — source could not be verifiedDeclared gap—

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.

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 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.

Common Questions
Can foreigners operate a public housing savings fund management business in Indonesia?
Yes. KBLI 64955 (Pengelolaan Tabungan Perumahan Rakyat) 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 64955?
We cannot yet show a verified licensing basis for KBLI 64955: the licensing previously associated with this code was removed because its source could not be verified as applying to this activity. See the Regulatory Divergence section on this page for the documented sources, and verify the current OSS treatment before relying on any licensing assumption.
What is KBLI 64955?
KBLI 64955 is the Indonesian business classification code for "Pengelolaan Tabungan Perumahan Rakyat" (Public Housing Savings Fund Management). 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 64955 change from KBLI 2020 to 2025?
KBLI 64955 was mapped from previous code 64992 (KBLI 2020). Agent mapping: 64992 (Perusahaan Pembiayaan Sekunder...) [medium] 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.

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🏢

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