{
    "success": true,
    "data": {
        "id": 1677476,
        "msgid": "bsi-to-follow-slik-relaxation-policy-easing-subsidised-mortgage-applications-1776178244",
        "date": "2026-04-14 20:39:08",
        "title": "BSI to follow SLIK relaxation policy, easing subsidised mortgage applications",
        "author": "",
        "source": "ANTARA_ID",
        "tags": "",
        "topic": "Regulation",
        "summary": "PT Bank Syariah Indonesia (BSI) has pledged to adhere to the Financial Services Authority's (OJK) new policy relaxing the reporting threshold in the Financial Information Service System (SLIK) to Rp1 million, aiming to streamline subsidised mortgage (KPR) applications for low-income earners while upholding prudent risk management. The policy also accelerates loan repayment status updates to within three working days, supporting the government's three million housing initiative. Experts note that the changes are unlikely to significantly impact existing KPR processes, as sub-Rp1 million loans are rare in banking.",
        "content": "<p>Jakarta (ANTARA) - PT Bank Syariah Indonesia (Persero) Tbk (BSI) is\nprepared to follow the Financial Services Authority\u2019s (OJK) SLIK\nrelaxation policy to simplify the subsidised mortgage (KPR) application\nprocess for low-income communities, while still adhering to principles\nof prudence and credit risk management. The financing risk remains with\nthe bank as the credit disbursing party. Previously, OJK decided that\ninformation displayed in the Financial Information Service System (SLIK)\nreports would be for credits or financing exceeding Rp1 million, whether\nbased on ceiling or outstanding debit for each debtor. \u201cIn the context\nthat OJK has considered that (SLIK only showing credits above Rp1\nmillion), it means OJK has calculated (the risk) several times. As\noperators, we follow the regulation,\u201d said BSI Deputy Director Bob\nTyasika Ananta when met by reporters at BSI Tower in Jakarta on Tuesday.\nBob added that SLIK is still necessary as initial information to view\ncustomer track records, which has been one of the bases in the credit\nassessment process, alongside other risk considerations in line with\nregulations. He also stated that information in SLIK, including any less\nfavourable records, still helps in managing financing risks.\nNevertheless, Bob reminded that the financing risk remains with the bank\nas the credit disbursing party. \u201cBut in that context, there may be\ncertain deviations considered by OJK,\u201d said Bob. In addition to\nadjustments in SLIK reporting, OJK also decided to accelerate the update\nof loan repayment status in SLIK to a maximum of three working days\nafter repayment. This policy is expected to help speed up the housing\nfinancing application process. Contacted separately, Head of Research at\nthe Indonesian Banking Development Institute (LPPI) Trioksa Siahaan\nassessed that the Rp1 million threshold policy in SLIK will not\nsignificantly affect mortgage applications. He noted that loans below\nRp1 million are relatively small and rarely found in banking. According\nto him, SLIK updates so far have not been an obstacle in mortgage\napplications. \u201cIn principle, SLIK is a tool to view payment track\nrecords, and it has been very helpful for banks in conducting\nqualitative analysis. If the SLIK update is only related to the Rp1\nmillion reporting limit, it will not have much impact on the current\nprocess,\u201d said Trioksa. Previously reported, OJK Commissioner Chairman\nFriderica Widyasari Dewi stated that OJK strongly supports the priority\nprogramme for building three million houses. The strengthening of the\nSLIK policy was conveyed in a meeting with the Minister of Housing and\nSettlement Areas (PKP) Maruarar Sirait at the OJK Radius Prawiro Tower\noffice on Monday (13\/4). To support the acceleration of the housing\nprogramme, OJK also provides access to BP Tapera for SLIK data in\naccordance with applicable provisions. This step is expected to support\nthe acceleration of the housing financing facility provision process,\nwhich is BP Tapera\u2019s task.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/bsi-to-follow-slik-relaxation-policy-easing-subsidised-mortgage-applications-1776178244",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}