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KBLI Navigator/Section K/64192
KBLI 64192

Sharia Cooperative Lending

Aktivitas Pemberian Kredit oleh Koperasi Syariah

🏦 Section K — Financial & Insurance Activities

In Bali: open to a PT PMA

✅Open· 100% ForeignHigh RiskAggregated🏝️✅Registrable in Bali· medium conf.

This covers sharia-compliant credit activities by cooperatives, including collecting savings from members and disbursing loans to members under Islamic principles for their economic welfare. Examples are primary savings and loan cooperatives, secondary cooperatives, and cooperative business units that operate on a sharia basis.

What Changed

KBLI 2020→2025 mapping: match con aggregazione.

What You Need

Nationally, this activity is fully open for foreign ownership (100% 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

A foreign entrepreneur who wants to establish a member-based, sharia-compliant microfinance institution that pools savings and extends credit to its community.

Licensing Overview
Risk LevelTinggi
License TypeNIB + Izin
Foreign Ownership100% Open
Processing3 working days
2020 → 2025
Previous codes (KBLI 2020): 64142— Cleaned: removed invalid ['64192']
Common Questions
Can foreigners operate a sharia cooperative lending business in Indonesia?
Yes. KBLI 64192 (Aktivitas Pemberian Kredit oleh Koperasi Syariah) is TERBUKA — open to 100% foreign ownership via PT PMA. No local Indonesian partner required.
What license is required for KBLI 64192?
KBLI 64192 has a Tinggi risk classification. Required license: NIB + Izin. Processing time: 3.
What is KBLI 64192?
KBLI 64192 is the Indonesian business classification code for "Aktivitas Pemberian Kredit oleh Koperasi Syariah" (Sharia 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 64192 change from KBLI 2020 to 2025?
KBLI 64192 was mapped from previous code 64142 (KBLI 2020). Cleaned: removed invalid ['64192'] Multiple 2020 codes were merged into this single 2025 code. 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

64193Section K

Conventional Non-Bank Microfinance

Pembiayaan Mikro Konvensional Nonperbankan

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64191Section K

Conventional Cooperative Lending

Aktivitas Pemberian Kredit oleh Koperasi Konvensional

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

Sharia Non-Bank Microfinance

Pembiayaan Mikro Syariah Nonperbankan

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

Other Sharia Banking

Perbankan Syariah Lainnya

→
🏝️✅Registrable in Bali✅Open· 100% ForeignHigh Risk
64199Section K

Other Monetary Intermediation

Perantara Moneter Lainnya Ytdl

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

Other Conventional Banking

Perbankan Konvensional Lainnya

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

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