Code summary
Often confused with
- 64191 - Aktivitas Pemberian Kredit Oleh Koperasi Konvensional: Compare this code when the main activity is better described as aktivitas Pemberian Kredit Oleh Koperasi Konvensional rather than aktivitas Pemberian Kredit Oleh Koperasi Syariah.
- 64193 - Pembiayaan Mikro Konvensional Nonperbankan: Compare this code when the main activity is better described as pembiayaan Mikro Konvensional Nonperbankan rather than aktivitas Pemberian Kredit Oleh Koperasi Syariah.
- 64194 - Pembiayaan Mikro Syariah Nonperbankan: Compare this code when the main activity is better described as pembiayaan Mikro Syariah Nonperbankan rather than aktivitas Pemberian Kredit Oleh Koperasi Syariah.
OSS filing review
The OSS review for KBLI 64192 should start from the NIB path, standard certificates, sector licences, and business-model consistency. For asset owners, developers with operating property activity, and building managers, the most common failure point is not the OSS interface itself, but the mismatch between the real activity, the location, and the code being filed.
- Official OSS portal: Validate the NIB path, risk-based flow, and downstream licences for aktivitas Pemberian Kredit Oleh Koperasi Syariah.
- Guide to NIB registration in OSS: Use this checklist to test KBLI consistency, entity data, and whether the team is ready to review the tax layer after the code path is stable.
- OSS Risk & licences hub: Open this hub to review the low, medium-low, medium-high, and high-risk flows at system level.
Note: the final per-code risk tier still has to be confirmed directly in OSS.
Core KBJI occupations for KBLI 64192
These occupation groups are linked through a semantic matrix based on the KBLI section and KBJI major groups. The tier is shown so users can distinguish official data from derived links.
Occupation source: BPS KBJI 2014. The current KBLI relation is derived, not an official 1:1 correspondence table.
Region and payroll review
The operating location for KBLI 64192 cannot be separated from region codes, provincial wage floors, and when relevant zone incentives. For aktivitas Pemberian Kredit Oleh Koperasi Syariah, the region review usually starts from the business domicile, the real operating site, and the provincial payroll footprint used by asset owners, developers with operating property activity, and building managers.
- Indonesia region codes: 38 provinces are already loaded with administrative profiles and region codes.
- Minimum wages by province: 38 provincial minimum-wage profiles are available for first-pass payroll screening.
- KEK and FTZ: Check this layer if the business model is sensitive to location incentives or customs facilities.
Source: the Satu Data Indonesia region-code dataset, national wage references, and the official KEK list.
| Level | Code | Description |
|---|---|---|
| Section | L | Financial and insurance activities |
| Division | 64 | Aktivitas Jasa Keuangan, Kecuali Asuransi Dan Dana Pensiun |
| Group | 641 | Intermediasi Moneter |
| Class | 6419 | Perantara Moneter Lainnya |
| Activity | 64192 | Aktivitas Pemberian Kredit Oleh Koperasi Syariah |
Related tools and layers
- OSS risk for this code
- Foreign ownership hub
- BPJS calculator
- PPh 21 TER calculator
- Minimum wages by province
Sources
| Source | URL | Regulation | Tier |
|---|---|---|---|
| BPS KBLI 2025 | https://bps.go.id | BPS Regulation No. 7 of 2025 | official |
Compliance risk score
2 of 4 factors passing
- pass Verified in official source - KBLI 2025 code 64192 is present in the official BPS classification release.
- pass Hierarchy chain is complete - Section L, Division 64, Group 641, and Class 6419 are all present in the loaded hierarchy.
- fail Official thresholds documented - No linked KLU or threshold layer is currently loaded for KBLI 64192.
- fail Trade or export match available - No BTKI review match is currently loaded for KBLI 64192.
Who is this code for
This code typically applies to the following activity types, operating roles, or business models:
Source: MANUAL, 2026-05-04
FAQ
What is the main operating test for keeping KBLI 64192 under Aktivitas Pemberian Kredit Oleh Koperasi Syariah?
Keep KBLI 64192 when the day-to-day operating core genuinely sits in aktivitas Pemberian Kredit Oleh Koperasi Syariah inside the wider property-asset use, building management, and real-estate transactions layer. The code is weak if the business only touches that field indirectly while its dominant activity belongs somewhere else.
How should KBLI 64192 be separated from Aktivitas Pemberian Kredit Oleh Koperasi Konvensional?
The line is drawn by the actual primary activity carried out at class 6419 and group 641 level. If the operational centre is better described as aktivitas Pemberian Kredit Oleh Koperasi Konvensional, the user should compare again instead of keeping KBLI 64192 only because it still sits in the same wider property-asset use, building management, and real-estate transactions branch.
If the business also performs project construction, professional design, or operational hospitality, can KBLI 64192 still remain the lead code?
KBLI 64192 can remain the lead code only when aktivitas Pemberian Kredit Oleh Koperasi Syariah is still the operational and revenue centre. If the dominant line is actually project construction, professional design, or operational hospitality, the safer path is to compare neighbouring branches before filing.
Why should asset owners, developers with operating property activity, and building managers still read Group 641 and Class 6419 before selecting KBLI 64192?
Because group and class level show the nearest branch boundary before the endpoint is fixed. Reading those layers first helps the user decide whether aktivitas Pemberian Kredit Oleh Koperasi Syariah is truly the right endpoint or just one of several nearby codes in the same branch.
Which checkpoints still need review after KBLI 64192 is selected?
Choosing KBLI 64192 does not finish the compliance review. After the code is selected, the user still needs to review the OSS risk path, the relevant tax mapping, and the downstream operational checkpoints triggered by filing and implementation.
Changelog
- 2026-03-19 - The code page was published with the official KBLI hierarchy and an activity summary.
- 2026-03-19 - Linked KLU, related tools, and compliance blocks were updated.
This portal is informational. Confirm the final obligation and competent authority before filing, licensing, payroll, tax, or investment decisions. Read methodology.