What loans come in BI Checking (SLIK OJK)

Term BI Checking It has long been known to the public as the main reference for assessing one’s creditworthiness. Although now the system has officially changed to SLIK OJK (Financial Information Service System), the basic function remains the same: recording the entire loan history, both from banks and non-bank financial institutions.

This article will discuss in full What loans come in BI Checking, how does OJK SLIK work, and what is the impact on your credit application in the future.

What is BI Checking and OJK SLIK

In the past, the term BI Checking refers to the service Individual Debtor Information (historical IDI) managed by Bank Indonesia. However, since 2018, the task has officially moved to the Financial Services Authority (OJK) and is called SLIK (Financial Information Service System).

According to OJK, SLIK contains data on the identity of the debtor, the amount of the loan, the history of payment, collateral, and the status of the bad or current loan. Financial institutions such as banks, multi-finance, and cooperatives are required to periodically report their data to this system.

Thus, every citizen who has ever borrowed funds from an official financial institution automatically have a credit record in SLIK.

Types of Loans that enter BI Checking (SLIK OJK)

Not all types of loans are recorded in BI Checking. only official institutions are reporter to the OJK that enters the system. Based on a search of various sources such as MetroTV and Detik Finance, the following types of loans are generally listed in SLIK:

Based on the report MetroTV, consumer loans such as PayLater And card credit is now also recorded if the provider platform has reported to the OJK.

Is the BI checking in?

Popular questions that often arise are: Does online loan (Pinjol) enter BI Checking?

According to IDN Times, many Pinjol platforms such as Kredivo, Akulaku, Tunaiku, and Smart Credit have now become reporters at SLIK OJK. This means that loan activity and late payment of users are officially registered.

However, Not all Pinjol automatically enters BI Checking. Only legal pinjol is registered and supervised by OJK who is required to report. Illegal Pinjol operating without OJK’s permit does not have a reporting obligation, so it does not appear in the SLIK record.

For example, if you borrow in an illegal application and fail to pay, the impact is not immediately visible in the SLIK report, but it can still pose aggressive legal and billing risks.

the impact of default on slik notes

Failing to pay or delaying loan payments can reduce a person’s credit quality. Be based Explanation of Hukumonline, SLIK divides credit collectibility into several categories:

1. Smooth – Payment on time.

2. in special attention – There is a delay of 1–90 days.

3. less smooth – 91–120 days delay.

4. Call into doubt – Delay 121–180 days.

5. Jammed – delay of more than 180 days.

If your records fall into the “stuck” category, then it is likely that a new credit application — such as a mortgage or KTA — will be rejected.

According to Allianz Indonesia, even though the number of small loans such as PayLater, late payments at Fintech Legal can still reduce credit scores. Banks or financial institutions will consider all history in assessing the ability to pay for prospective debtors.

How to Check BI Checking or Slik Online

For the community, now SLIK checks can be done online through the site idebku.ojk.go.id. The process is free and can be accessed by anyone.

Here are the steps:

1. go to the site idebku.ojk.go.id

2. Click “Online Queue Registration”.

3. Fill in the form with personal data and upload identity documents.

4. Wait for verification from OJK via email.

5. Once approved, you will receive an IDEB (Debtor Information) report in PDF format.

The report displays the entire credit history, loan status, and reporting institution.

how to delete bad record in bi checking

In principle, Bad notes on SLIK can’t be deleted manually. However, you can fix it over time in the following way:

• pay off all loan arrears.

• ask for a certificate of payment from the lending institution.

• Waiting for SLIK Data Update, usually updated monthly.

• Submit Clarification or Data Dispute to OJK, if there is a reporting error.

According to SECOND FINANCE, OJK provides an opportunity for the public to express objections if the SLIK data is considered inappropriate. The process is carried out officially and supervised directly by OJK officers.

BI CHECKING LOANS

In addition to illegal pinjol, several types of personal loans are also not included in the SLIK system, including:

• inter-individual loans (without institutions).

• social gathering or personal debt.

• Foreign loan platform without OJK permission.

• Small cooperatives that do not report to OJK.

This means, even though the loan is real, not all of them are detected by the official financial system. However, the risk of default remains, such as personal billing or internal recording of the lender.

the effect of slik records on credit applications

SLIK data is the main consideration for financial institutions before approving credit. Based on information from Compass, the bank will reject the prospective debtor with a bad record because it is considered a high risk.

In other words, clean note in slik Increase your chances of being accepted in credit applications such as mortgages, KTA, or new credit cards. On the other hand, one-time default can reduce the confidence of financial institutions to provide further loans.

Conclusion

BI Checking or OJK SLIK It is an important system that records all one’s loan activities in an official financial institution. The types of loans that come in include:

• mortgage

• KTA

• KKB

• Credit Card

• PayLater

• LEGAL COOPERATIVE LOANS AND

Meanwhile, illegal pinjol and personal loans are not recorded.

Maintaining a good credit reputation means making sure all installments are paid on time. Thus, you can apply for a new loan without a hitch in the future.