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KBLI Navigator/Section K/65302
KBLI 65302

Sharia Employer Pension Fund

Aktivitas Dana Pensiun Pemberi Kerja Syariah

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

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

The Employer-Founded Logic of Sharia Pension Funds

An employer-founded sharia pension fund is nationally open to 100% foreign ownership and, on its recorded risk position, is not blocked from PMA registration in Bali.

By the numbers
National foreign-ownership ceiling
100%
Enterprise scales
Mikro, Kecil, Menengah, Besar
National PMA source
Perpres 10/2021, 49/2021
Bali status
Registrable in Bali
A foreigner can therefore register this activity in Bali today: the recorded outcome is not blocked by the provincial moratorium.
What Changed

KBLI 2020→2025 mapping: bps only.

What You Need

In Bali, this activity is open for a foreign-owned (PMA) company, but it is classified as medium-high to high risk by the local investment authority. That means registration is possible (no moratorium block), yet you must be prepared for additional scrutiny, including a verified commercial address and possibly stricter regulatory oversight at the sub-national level.

Who This Is For

This is suited for foreign financial institutions or large corporate groups that want to manage a Sharia-compliant pension fund exclusively for their own workforce in Indonesia.

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
ProcessingSesuai ketentuan OJK/BI
BPS crosswalk
Official BPS 2020 → 2025 crosswalk ancestors: 65312, 65313

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 sharia employer pension fund business in Indonesia?
Yes. KBLI 65302 (Aktivitas Dana Pensiun Pemberi Kerja Syariah) 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 65302?
KBLI 65302 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: Sesuai ketentuan OJK/BI.
What is KBLI 65302?
KBLI 65302 is the Indonesian business classification code for "Aktivitas Dana Pensiun Pemberi Kerja Syariah" (Sharia Employer Pension Fund). 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.

Related Codes

65303Section K

Conventional Financial Institution Pension Fund

Aktivitas Dana Pensiun Lembaga Keuangan Konvensional

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65301Section K

Conventional Employer Pension Fund

Aktivitas Dana Pensiun Pemberi Kerja Konvensional

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65304Section K

Sharia Financial Institution Pension Fund

Aktivitas Dana Pensiun Lembaga Keuangan Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65204Section K

Sharia Re-Guarantee

Penjaminan Ulang Syariah

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
66111Section K

Securities Trading System Operator

Penyelenggaraan Sistem Perdagangan Efek

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
65203Section K

Conventional Re-Guarantee

Penjaminan Ulang Konvensional

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

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