{
    "success": true,
    "data": {
        "id": 1994318,
        "msgid": "bi-checking-has-changed-you-can-now-check-your-own-debts-online-1790056457",
        "date": "2026-09-22 12:00:00",
        "title": "BI Checking Has Changed: You Can Now Check Your Own Debts Online",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Finance",
        "summary": "The Indonesian public can now independently verify their credit history, payment records, and creditworthiness through the OJK's SLIK system. This service, which replaces the former BI Checking, allows individuals to access their debt details for free via the iDebku portal.",
        "content": "<p>For those planning to apply for a Home Ownership Loan (KPR), business\ncapital loans, or new credit cards, the essential first step is to check\nyour financial \u2018track record\u2019.<\/p>\n<p>Indonesians can now easily check their loan status, payment history,\nand creditworthiness independently, officially, and free of charge.<\/p>\n<p>It is important to note that credit history checks no longer use Bank\nIndonesia\u2019s \u2018BI Checking\u2019 service. Since 2018, this authority has been\nfully transferred to the Financial Services Authority (OJK) through a\nsystem known as the Financial Information Service System (SLIK).<\/p>\n<p>Members of the public can access this service online through the\nofficial OJK iDebku portal at https:\/\/idebku.ojk.go.id. This platform is\ndirectly integrated with OJK\u2019s head and regional offices across\nIndonesia, ensuring the legal validity and accuracy of the data.<\/p>\n<p>Through this portal, all debt history under your name\u2014whether from\ncommercial banks, finance companies (multifinance), or fintech lending\nproviders\u2014will be presented transparently.<\/p>\n<p><strong>What Information is Included in SLIK OJK?<\/strong><\/p>\n<p>The Debtor Information Report (iDeb) issued by the OJK contains\ncomprehensive details regarding all credit facilities you currently hold\nor have previously held, including:<\/p>\n<ul>\n<li><p>Working Capital &amp; Investment Credit<\/p><\/li>\n<li><p>Motor Vehicle Credit (KKB)<\/p><\/li>\n<li><p>Home Ownership Loans (KPR) or Apartments<\/p><\/li>\n<li><p>Unsecured Loans (KTA) &amp; Credit Cards<\/p><\/li>\n<li><p>Secured Credit (such as gold, deposits, or other assets)<\/p><\/li>\n<li><p>History &amp; Payment Status (collectability levels divided into:\nSmooth, Underperforming, Doubtful, to Bad Debt)<\/p><\/li>\n<\/ul>\n<p>This data serves as the primary reference (scoring) for banks and\nfinancial institutions before they approve your new credit or financing\napplications.<\/p>\n<p><strong>Complete Guide to Checking SLIK OJK via iDebku<\/strong><\/p>\n<p>The process of requesting a credit score through iDebku is quite\npractical. Here are the step-by-step stages you can follow:<\/p>\n<p><strong>Stage 1: Account Registration &amp; Application\nSubmission<\/strong><\/p>\n<ul>\n<li><p>Open a browser on your phone or computer and access\nhttps:\/\/idebku.ojk.go.id.<\/p><\/li>\n<li><p>On the main page, click the Registration button, then select the\nCheck Service Availability menu.<\/p><\/li>\n<li><p>Fill in the initial data requested by the system:<\/p>\n<ul>\n<li><p>Debtor Type (Individual or Business Entity)<\/p><\/li>\n<li><p>Nationality (Indonesian or Foreigner)<\/p><\/li>\n<li><p>Identity Type (KTP or Passport)<\/p><\/li>\n<li><p>Identity Number<\/p><\/li>\n<\/ul><\/li>\n<li><p>Enter the available Captcha code, then click Next.<\/p><\/li>\n<li><p>Tip: If a notification appears stating that the quota is\nexhausted, it means the daily queue is full. You can try again during\noff-peak hours, such as in the morning before working hours or at night\nwhen the daily quota is updated.<\/p><\/li>\n<li><p>Complete your personal details in detail (full name, gender,\nplace\/date of birth, full address, active email address, mobile number,\nmother\u2019s maiden name, and the purpose of the application). Click\nNext.<\/p><\/li>\n<li><p>Upload the required documents (maximum size of 4 MB per file;\nensure photos are clear and not blurry):<\/p>\n<ul>\n<li><p>A photo of your identity document (KTP\/Passport).<\/p><\/li>\n<li><p>A selfie holding your identity document.<\/p><\/li>\n<li><p>A selfie according to the instructional guidelines displayed on\nthe screen.<\/p><\/li>\n<\/ul><\/li>\n<li><p>Click Next, then press Submit Application.<\/p><\/li>\n<li><p>Tick the declaration box for data truth and agreement to OJK\u2019s\nterms and conditions, then click Submit Application once more.<\/p><\/li>\n<li><p>Once registration is successful, save or copy the Registration\nNumber that appears for the purpose of checking your application\nstatus.<\/p><\/li>\n<\/ul>\n<p><strong>Stage 2: How to Check Application Status<\/strong><\/p>\n<ul>\n<li><p>Re-access the site https:\/\/idebku.ojk.go.id.<\/p><\/li>\n<li><p>Select the Service Status menu or button.<\/p><\/li>\n<li><p>Enter the Registration Number you saved previously.<\/p><\/li>\n<li><p>The system will automatically display the verification status of\nyour application.<\/p><\/li>\n<\/ul>\n<p>In accordance with OJK regulations, the results of the iDeb SLIK\nreport will be sent directly in digital document format to your active\nemail address no later than 1 (one) working day after the registration\nhas been successfully verified.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/bi-checking-has-changed-you-can-now-check-your-own-debts-online-1790056457",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}