KBLI 64190 is not on the closed, conditional, SME-reserved, or partnership schedules of Pres. Reg. 10/2021. That clears the ownership layer — PT PMA is structurally available. Sector regulators may still add overlays (see layer 02 below).
Licensing runs through OJK under POJK 26/2024 — not via the standard OSS RBA risk matrix. Capital floors, timelines, and ongoing obligations differ materially from the BKPM Reg. 5/2025 default. Other monetary intermediation (BPR / BPRS).
OSS lists 1 operational obligation at Large scale for this code. None are structural foreign-investor barriers, but they determine ongoing compliance: Fulfill the obligations set by Bank Indonesia (BI) in accordance with the….
Worth confirming: Openness here is based on BUPM (Pres. Reg. 10/2021). Sector regulators (PSE/Kominfo for digital platforms, BPOM for food and cosmetics, OJK for financial, Kemenkes for healthcare, Permendag for retail, ESDM for energy) often add licensing and capital requirements on top — the practical answer depends on your business model. Talk to our team
Other Monetary Intermediaries
Last updated · Sourced from OSS Indonesia
This group includes the acceptance of deposits and/or the closure of deposits and the provision of credit or loans. Credit assistance can take various forms, such as loans, secured loans, credit cards, and others. These activities are generally carried out by financial institutions other than the central bank, such as financial intermediaries that are not classified elsewhere, such as loan sharks, credit unions, postal giro activities, and laku pandai (postal savings), special institutions authorized to provide credit for home purchases and also accept deposits and money order activities (money transfers).
Operating license routes through Financial Services Authority (OJK) / Bank Indonesia, not OSS — Emerhub handles the application end-to-end.
Banking, multi-finance, and securities activities require OJK authorization in addition to OSS NIB.
Foreign equity caps vary by sub-sector: 99% for commercial banks (subject to OJK approval), 85% for multi-finance, 99% for securities.
Capital requirements for banks/finance companies are set by OJK and are substantially higher than the standard PT PMA minimum.
Indonesia's BUPM (Investment Business Fields) regulation places this code into one of five tracks. The track determines whether a foreign investor (PMA) can operate in this activity at all, and under what conditions.
KBLI 64190 is not on Indonesia's closed, conditional, SME-reserved, or partnership-required schedules under BUPM (Pres. Reg. 10/2021). A foreign investor can incorporate a PT PMA under this code, but sector regulators (PSE/Kominfo, BPOM, OJK, Kemenkes, Permendag, ESDM) almost always add licensing and capital requirements on top — the practical answer depends on your specific business model.
Other monetary intermediation (BPR / BPRS)
BKPM Reg. 5/2025's default is IDR 2.5 billion paid-up + IDR 10 billion commitment per KBLI. The figure above is the binding override for this activity — the higher number wins.
BKPM-reported foreign investment context for the broader sector this KBLI sits in. Data is aggregated at the major-sector level — BKPM does not publish per-5-digit-KBLI breakdowns publicly.
Reported separately from financial services figures in the headline BKPM realisation total. OJK approval is the binding gate. Multi-finance (consumer + commercial) attracted more inbound FDI than banking in 2025.
Current status, what each regulation actually requires for this activity, and how it ties to the PB UMKU sector permits below. Click through for the plain-English summary.
Emerhub is a corporate-services provider in Indonesia. We do the legal and regulatory legwork for foreign investors so you can focus on the business itself. Here's what the engagement looks like.
We confirm KBLI 64190 is the right primary code for your business, advise on secondary codes you may also need, and finalize the holding structure with you before any filing.
We draft the Articles of Association before a notary, register the entity with the Ministry of Law & Human Rights (Kemenkumham), and obtain the company's tax ID (NPWP). Under BKPM Reg. 5/2025, paid-up capital is IDR 2.5 billion (~USD 160K) — the cash actually deposited at incorporation. The IDR 10 billion+ figure many sources still cite is the total investment commitment per KBLI, realised over time via your LKPM reports.
Specific permits, application requirements and ongoing obligations vary by business scale and the sub-activity within this KBLI. We file these on your behalf — this section is for transparency on what we'll be handling. Switch between scales below; by default we show Large (the PMA scale).
Acceptance of deposits and/or closure of deposits and provision of credit or loans. Credit assistance can take various forms, such as loans, secured loans, credit cards, and others. This activity is generally carried out by financial institutions other than the central bank, such as financial intermediaries not classified elsewhere, such as loan sharks, credit unions, postal giro activities, and laku pandai (postal savings), special institutions authorized to provide credit for home purchases and also accept deposits and money order activities (money transfers).
Documents and capabilities you must demonstrate at registration
Compliance and reporting duties throughout operation
The authority that issues the license depends on your situation.
| Authority | Applies when |
|---|---|
| Minister/Head of Agency | All |
| Minister/Head of Agency | Foreign Investment |

We file the OSS application with KBLI 64190 as your primary business activity, complete the risk-based assessment, and collect the NIB (Business Identification Number) for you — typically within hours of submission. You don't need to touch the OSS portal.
NIB is issued for the preparation stage. Commercial operation requires a full Operating License (Izin) issued by the competent ministry after a substantive review of the operator's capability, facility, and compliance. Operating with NIB alone exposes the entity to penalties, blacklisting, and contract invalidation. We prepare the application bundle, liaise with the competent ministry, and chase issuance through to the certificate. Statutory turnaround: set by ministry — real-world timing typically runs longer when site inspections or additional clarifications are requested.
Post-launch we run your monthly tax filings, quarterly LKPM (Investment Activity Reports), annual general meeting (RUPS), and any sector-specific reporting. You get a single point of contact and a monthly compliance digest — no Indonesian-language paperwork on your desk.
Source: BKPM (2026-04-29). Updated quarterly.
View original on data.bkpm.go.id →A plain-English explanation of this classification and the businesses it covers.
KBLI 64190 (Other Monetary Intermediaries) is the 5-digit Indonesian Standard Industrial Classification code for other monetary intermediaries. It sits within Financial and Insurance Activities under the subgroup Other Monetary Intermediaries (major group 64) in the official KBLI 2020 taxonomy maintained by Statistics Indonesia (BPS).
Any Indonesian or foreign-owned entity that intends to operate in other monetary intermediaries as a primary or secondary business activity must select this code on its NIB (Business Identification Number). The selected code determines the licensing instruments required, the issuing authority, and the ongoing compliance obligations.
Indonesia's OSS Risk-Based Approach uses the KBLI code to determine three things: (1) whether foreign investment is permitted and at what cap, (2) the risk-based licensing instruments required, and (3) the authority that issues each instrument. Choosing the wrong code can delay or invalidate your license.
Indonesia's BPS published the new KBLI 2025 taxonomy in early 2025. OSS, BKPM and the operating ministries have not yet adopted it — KBLI 2020 remains the active standard for business registration. This is what's coming for this specific code.
KBLI 64190 does not carry the same number forward into KBLI 2025 — the activity has been reclassified, but the precise mapping isn't recorded in our database yet.
When OSS adopts KBLI 2025, we'll migrate your existing entity to the appropriate successor code as part of ongoing compliance — no action needed on your end now.
Talk to a specialistIndonesia's OSS Risk-Based Approach assigns a separate risk level for each of the four business scales. The licensing instruments required (NIB, Standard Certificate, Operating License) are determined by the risk level. Foreign-owned entities (PT PMA) must register at the Large scale, so the rightmost column applies to most foreign investors.
KBLI 64190 (Other Monetary Intermediaries) is the 5-digit Indonesian Standard Industrial Classification code for other monetary intermediaries. It sits within the Financial and Insurance Activities category in the official KBLI 2020 taxonomy maintained by Badan Pusat Statistik (BPS).
Yes — KBLI 64190 is open to foreign investment, but the licensing path runs entirely through OJK under POJK 26/2024, not OSS RBA. BKPM Reg. 5/2025's IDR 2.5 billion default does NOT apply to this code; the binding capital floor is set by OJK and is materially higher (see the capital question below).
KBLI 64190's risk levels per business scale: Micro High, Small High, Medium High, Large High. Foreign-owned entities (PT PMA) must register at the Large scale.
NIB + Operating Licence (Izin). KBLI 64190 is High risk at Large scale, so the Operating Licence requires substantive sector-regulator approval before the business can operate. Expect a multi-month review with technical submissions.
Sector regulator override: IDR 50-100 billion depending on zone required by OJK under POJK 26/2024 (Bank Perekonomian Rakyat). This is higher than BKPM Reg. 5/2025's default IDR 2.5 billion paid-up; the higher number wins.
PT PMA setup typically takes 4-8 weeks end-to-end: AHU registration, NIB via OSS, bank account opening. KBLI-specific licensing depends on the permit instrument required.
Not on the Tax Holiday or Tax Allowance priority lists. KBLI 64190 businesses pay the standard 22% PPh Badan; Super Tax Deduction (300% R&D / 200% vocational training) may still apply for qualifying expenses.
Authority depends on the investor profile. For PMA: Minister/Head of Agency. For domestic SME scale: typically Governor (for Provincial scope) or Regent/Mayor (Regency/City scope). Specific mapping is in §1 of this page.
Beyond the NIB, no specific auxiliary permits (PB UMKU) are recorded for KBLI 64190. Sector-specific obligations may still apply — verify with the relevant ministry.
KBLI 64190 is the only entry in its subgroup 6419. Browse the parent group 641 for related activities.