{
    "success": true,
    "data": {
        "id": 1752187,
        "msgid": "bi-checking-has-been-replaced-you-can-now-check-your-debt-yourself-online-1779545667",
        "date": "2026-05-20 16:20:00",
        "title": "BI Checking Has Been Replaced, You Can Now Check Your Debt Yourself Online",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Regulation",
        "summary": "Indonesia\u2019s BI Checking has been superseded by the SLIK system, managed by the Financial Services Authority (OJK) since 2018. The iDebku portal provides free online access to an individual\u2019s loan history, payment records, and credit eligibility from banks, financiers, and fintech lenders. A step\u2011by\u2011step guide explains how to register and check the status of your record.",
        "content": "<p>Indonesian residents can now independently and officially check their\nloan status, repayment history, and creditworthiness online. However,\nnote that the checks are no longer performed via Bank Indonesia\u2019s BI\nChecking service, but have shifted to a new system named SLIK (Sistem\nLayanan Informasi Keuangan), which has been fully managed by the\nFinancial Services Authority (OJK) since 2018. Access to the checks is\nfreely available to all citizens via the official portal iDebku, at\nhttps:\/\/idebku.ojk.go.id. This platform is directly connected to OJK\u2019s\nheadquarters and all regional offices, ensuring the data presented is\naccurate, centralized, and legally valid. Through this service,\nIndonesian citizens can view all debt history recorded in their name\nfrom banks, financing companies, and fintech lending services.<\/p>\n<p>What information is available in SLIK?<\/p>\n<p>The report contains a detailed record of all credit facilities ever\nheld, including:<\/p>\n<ul>\n<li><p>Working Capital Credit<\/p><\/li>\n<li><p>Motor Vehicle Credit<\/p><\/li>\n<li><p>Home Ownership Credit (KPR) or Apartment<\/p><\/li>\n<li><p>Investment Credit<\/p><\/li>\n<li><p>Unsecured Credit (KTA)<\/p><\/li>\n<li><p>Credit Card<\/p><\/li>\n<li><p>Secured loans (gold, deposits, or other assets)<\/p><\/li>\n<li><p>Payment history and status of performance (good\/clear, less good,\ndoubtful, or default)<\/p><\/li>\n<\/ul>\n<p>This information is crucial as it serves as the primary reference for\nbanks or financial institutions when applying for new loans, credit\ncards, or during insurance or business capital processes.<\/p>\n<p>Complete Guide to Checking SLIK and iDebku Online<\/p>\n<p>Stage 1: Account Registration &amp; Application Submission<\/p>\n<ul>\n<li><p>Open a browser on your mobile phone or computer, and go to the\nofficial address at https:\/\/idebku.ojk.go.id<\/p><\/li>\n<li><p>On the homepage, select the Registration button<\/p><\/li>\n<li><p>Go to the Service Availability Check menu<\/p><\/li>\n<li><p>Enter initial data:<\/p>\n<ul>\n<li><p>Debtor type (Individual or Corporate)<\/p><\/li>\n<li><p>Citizenship (WNI or WNA)<\/p><\/li>\n<li><p>Identity type (KTP or Passport)<\/p><\/li>\n<li><p>Identity number as per document<\/p><\/li>\n<\/ul><\/li>\n<li><p>Enter the Captcha security code, then click Next. If you see a\nnotification that the queue is full, the daily number of applicants has\nreached capacity. Try again during quiet hours, such as early morning\nbefore work hours or in the evening. The system will open new quotas\neach day.<\/p><\/li>\n<li><p>Continue by filling in full personal data: name as per identity,\ngender, place &amp; date of birth, full address, province, regency\/city,\nactive email address, and a reachable phone number<\/p><\/li>\n<li><p>Choose the purpose of information request (e.g., personal use,\ncredit application, or data verification) and enter mother\u2019s maiden\nname<\/p><\/li>\n<li><p>Click Next to proceed to document uploads<\/p><\/li>\n<li><p>Upload photos of required documents, ensure each file is up to 4\nMB and the images are clear and not blurry:<\/p>\n<ul>\n<li><p>Photo of the identity document (KTP\/Passport)<\/p><\/li>\n<li><p>Photo of yourself holding the identity document<\/p><\/li>\n<li><p>Photo of yourself following the example guidelines on the screen.\nEnsure all text on the document is clearly legible, as a blurry image\nmay result in the application being rejected.<\/p><\/li>\n<\/ul><\/li>\n<li><p>After all documents are uploaded, click Next<\/p><\/li>\n<li><p>Click Submit Application. Ensure the email address you entered is\ncorrect, as the SLIK report will be sent directly to that\nemail.<\/p><\/li>\n<li><p>You can still modify data if incorrect by pressing Back. If\ncorrect, tick the statement of data accuracy and consent to the OJK\nterms and conditions<\/p><\/li>\n<li><p>Finally click Submit Application<\/p><\/li>\n<li><p>Once successful, a \u2018Registration Successful\u2019 notification will\nappear. Don\u2019t forget to copy or record the registration number, as this\ncode is required to check the next status.<\/p><\/li>\n<\/ul>\n<p>Stage 2: How to Check Application Status<\/p>\n<ul>\n<li><p>Return to the iDebku.ojk.go.id homepage<\/p><\/li>\n<li><p>Press the Service Status button<\/p><\/li>\n<li><p>Enter the registration number you saved earlier<\/p><\/li>\n<li><p>The system will display the stages of your application. Under OJK\nrules, the report result is sent to your email no later than one working\nday after the registration is received and verified.<\/p><\/li>\n<\/ul>",
        "url": "https:\/\/jawawa.id\/newsitem\/bi-checking-has-been-replaced-you-can-now-check-your-debt-yourself-online-1779545667",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}