{
    "success": true,
    "data": {
        "id": 2043798,
        "msgid": "bi-checking-has-changed-how-to-check-your-debt-online-1792371015",
        "date": "2026-10-19 06:40:00",
        "title": "BI Checking Has Changed: How to Check Your Debt Online",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Finance",
        "summary": "Indonesia\u2019s former BI Checking credit-history service has been replaced by the Financial Information Services System (SLIK), managed by the Financial Services Authority (OJK). Individuals can request their credit report free of charge through the official iDebku website, with the report sent by email after verification, generally within one working day.",
        "content": "<p>Jakarta, CNBC Indonesia \u2013 Many people are still looking for ways to\ncheck their debt history through BI Checking. However, that service is\nno longer in use. It has been replaced by the OJK\u2019s SLIK, or Financial\nInformation Services System, and checks are now conducted online through\nthe official iDebku OJK website.<\/p>\n<p>Here is a complete guide to checking your credit history, debts and\nfinancial record for free through the official service.<\/p>\n<p>What is SLIK OJK? The replacement for BI Checking<\/p>\n<p>Previously known as BI Checking, the system recording people\u2019s\nfinancial histories is now managed by the Financial Services Authority\n(OJK) and is called SLIK. It records all your financial obligations,\nwhether with banks, finance companies or financial technology-based\nlenders.<\/p>\n<p>Obligations recorded in SLIK OJK include:<\/p>\n<ul>\n<li><p>Home or apartment mortgages (KPR)<\/p><\/li>\n<li><p>Motor vehicle loans<\/p><\/li>\n<li><p>Unsecured loans (KTA)<\/p><\/li>\n<li><p>Credit cards<\/p><\/li>\n<li><p>Working capital and investment loans<\/p><\/li>\n<li><p>Secured loans, such as those backed by gold or deposits<\/p><\/li>\n<li><p>Loans from finance institutions and online lending apps<\/p><\/li>\n<\/ul>\n<p>The system also records payment status: current, less than current,\ndoubtful or in default. This is a key reference for banks and lenders\nwhen you apply for new credit.<\/p>\n<p>How to check SLIK OJK through iDebku<\/p>\n<p>Open a browser on your phone or computer and visit the official\nwebsite at https:\/\/idebku.ojk.go.id\/.<\/p>\n<p>Step 1: Register an account and submit an application<\/p>\n<ul>\n<li><p>On the home page, select the Registration button.<\/p><\/li>\n<li><p>Choose the debtor type: individual or business entity.<\/p><\/li>\n<li><p>Select your citizenship: Indonesian or foreign national.<\/p><\/li>\n<li><p>Select your identity document: identity card (KTP) or\npassport.<\/p><\/li>\n<li><p>Enter your identity number and the security code (Captcha), then\nclick Next.<\/p><\/li>\n<li><p>If you are notified that the daily quota has been reached, try\nagain during quieter hours, such as 6\u20138 am or after 9 pm. The quota is\nrenewed daily.<\/p><\/li>\n<li><p>Complete your personal details: name, gender, place and date of\nbirth, address, province, regency\/city, active email address and mobile\nnumber.<\/p><\/li>\n<li><p>Select the purpose of the request (personal use, credit\napplication, data verification, etc.).<\/p><\/li>\n<li><p>Enter your mother\u2019s maiden name.<\/p><\/li>\n<li><p>Click Next.<\/p><\/li>\n<\/ul>\n<p>Step 2: Upload the required documents<\/p>\n<p>Prepare document photos, each no larger than 4 MB, and make sure they\nare clear and not blurry:<\/p>\n<ul>\n<li><p>A photo of your KTP or passport<\/p><\/li>\n<li><p>A photo of yourself holding your KTP or passport<\/p><\/li>\n<li><p>A photo of yourself following the example shown on\nscreen<\/p><\/li>\n<\/ul>\n<p>If the writing on the documents is not clearly legible, the\napplication will be rejected.<\/p>\n<p>Step 3: Submit the application<\/p>\n<ul>\n<li><p>Check all the information again. If anything is incorrect, click\nBack to amend it.<\/p><\/li>\n<li><p>Tick the declaration confirming the information is correct and\nthat you agree to OJK\u2019s terms and conditions.<\/p><\/li>\n<li><p>Click Submit Application.<\/p><\/li>\n<li><p>The SLIK report will be sent to the email address you\nprovided.<\/p><\/li>\n<\/ul>\n<p>Step 4: Check the application status<\/p>\n<ul>\n<li><p>Return to the home page at https:\/\/idebku.ojk.go.id\/.<\/p><\/li>\n<li><p>Select Service Status.<\/p><\/li>\n<li><p>Enter your registration number.<\/p><\/li>\n<li><p>Check the progress of your application.<\/p><\/li>\n<li><p>Under OJK rules, the report is sent no later than one working day\nafter the application has been received and verified.<\/p><\/li>\n<\/ul>\n<p>Why should you check SLIK?<\/p>\n<ul>\n<li><p>To find out whether there are loans in your name that you do not\nknow about<\/p><\/li>\n<li><p>To make sure your payment history has been recorded correctly as\ncurrent<\/p><\/li>\n<li><p>To check your credit status before applying for a new\nloan<\/p><\/li>\n<li><p>To correct any errors in the records<\/p><\/li>\n<li><p>To avoid having an application for a mortgage, unsecured loan,\ncredit card or business capital rejected because of a poor credit\nhistory<\/p><\/li>\n<\/ul>\n<p>BI Checking has indeed been renamed SLIK OJK, but its function\nremains the same and it can now be accessed online from home. Do not let\nyour financial history come as a surprise when you urgently need credit:\ncheck it now, correct any errors and make sure your record is clean.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/bi-checking-has-changed-how-to-check-your-debt-online-1792371015",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}