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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.

This covers a conventional cooperative that collects savings from members and provides loans, based on profit-sharing or fair interest, for the economic welfare of its members. It includes primary savings and loan cooperatives, secondary cooperatives, and savings and loan business units of cooperatives.

What Changed

KBLI 2020→2025 mapping: codice rinumerato.

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]
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.
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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