{
    "success": true,
    "data": {
        "id": 1759468,
        "msgid": "how-to-check-your-own-debt-status-online-heres-the-guide-1779531629",
        "date": "2026-05-23 11:30:00",
        "title": "How to Check Your Own Debt Status Online: Here\u2019s the Guide",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Regulation",
        "summary": "Citizens can now check their loan history, repayment status and creditworthiness through the official iDebku portal. The system, run by the Financial Services Authority (OJK) since 2018, consolidates data from banks, finance companies and fintech lenders via SLIK and is freely accessible to all Indonesians. The guide outlines how to register, upload documents, and monitor application status, with reports emailed within one working day of verification.",
        "content": "<p>Jakarta \u2014 One of the requirements for applying for a home loan is a\ngood credit score. Indonesians can now check their loan status,\nrepayment history and creditworthiness themselves through a formal\nonline service. However this checking is no longer performed via Bank\nIndonesia\u2019s BI Checking service, but has shifted to a new system called\nSLIK (Sistem Layanan Informasi Keuangan), fully managed by the Financial\nServices Authority (OJK) since 2018. Access to checks is free for all\ncitizens via the official portal iDebku at idebku.ojk.go.id. The\nplatform is connected directly to OJK\u2019s headquarters and all regional\noffices, ensuring data is accurate, centralised and legally valid.<\/p>\n<p>Through this service, citizens can view the entire record of debts\nregistered under their name, from banks, financing companies, and\nfintech lenders.<\/p>\n<p>What information is in SLIK?<\/p>\n<p>The reports received include a detailed record of all credit\nfacilities ever held, including:<\/p>\n<ul>\n<li><p>Working Capital Credit (Kredit Modal Kerja)<\/p><\/li>\n<li><p>Motor Vehicle Credit (Kredit Kendaraan Bermotor)<\/p><\/li>\n<li><p>Home Purchase Credit (KPR) or Apartment Financing<\/p><\/li>\n<li><p>Investment Credit (Kredit Investasi)<\/p><\/li>\n<li><p>Unsecured Credit (Kredit Tanpa Agunan, KTA)<\/p><\/li>\n<li><p>Credit Cards<\/p><\/li>\n<li><p>Secured lending (gold, deposits, or other assets)<\/p><\/li>\n<li><p>Repayment history and status (on-time, less than on-time,\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 for insurance or business capital purposes.<\/p>\n<p>Complete Guide to Checking SLIK and iDebku Online<\/p>\n<p>Here is a step\u2011by\u2011step guide to register and check, with explanations\nto make it easier to follow:<\/p>\n<p>Stage 1: Account Registration &amp; Application Submission<\/p>\n<ul>\n<li><p>Open a browser on your mobile or computer, then go to the\nofficial address https:\/\/idebku.ojk.go.id<\/p><\/li>\n<li><p>On the home page, select the Registration button<\/p><\/li>\n<li><p>Enter the Check Service Availability menu<\/p><\/li>\n<li><p>Fill in initial data:<\/p>\n<ul>\n<li><p>Debtor Type (Individual or Corporate)<\/p><\/li>\n<li><p>Nationality (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<li><p>Enter the security Captcha code, then click Next. If you receive\na notification that the queue quota is full, this means the daily number\nof applicants has been reached. Try again during quieter times, such as\nearly morning before working hours or in the evening. The system opens\nnew quota each day.<\/p><\/li>\n<\/ul><\/li>\n<li><p>Continue to fill in full personal data: name as stated on the\nidentity document, gender, place and date of birth, full address,\nprovince, regency\/c city, active email address, and a phone number that\ncan be reached<\/p><\/li>\n<li><p>Select the purpose of the information request (e.g., personal\nuse, loan application, or data verification) and enter the mother\u2019s\nmaiden name<\/p><\/li>\n<li><p>Click Next to proceed to the document upload stage<\/p><\/li>\n<li><p>Upload photos of the required documents, ensure each file is no\nmore than 4 MB 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 according to the on\u2011screen example<\/p><\/li>\n<\/ul><\/li>\n<li><p>Ensure all text on documents is clearly readable, because blurred\ndocuments may cause the application to be rejected<\/p><\/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, because the SLIK report results will be sent directly to that\nemail<\/p><\/li>\n<li><p>You can still amend data if there are errors by pressing Back. If\neverything is correct, tick the box confirming the accuracy of the data\nand consent to the OJK terms and conditions<\/p><\/li>\n<li><p>Finally click Submit Application<\/p><\/li>\n<li><p>A confirmation notification stating Registration Successful will\nappear. Do not forget to copy or note the registration number provided,\nas this code is required to check subsequent processing\nstatuses.<\/p><\/li>\n<\/ul>\n<p>Stage 2: How to Check Status of the Application<\/p>\n<ul>\n<li><p>Return to the home page of idebku.ojk.go.id<\/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 results are sent to your email within one working day\nafter registration is accepted and verified.<\/p><\/li>\n<\/ul>",
        "url": "https:\/\/jawawa.id\/newsitem\/how-to-check-your-own-debt-status-online-heres-the-guide-1779531629",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}