{
    "success": true,
    "data": {
        "id": 1770578,
        "msgid": "no-longer-bi-checking-how-to-check-your-credit-report-online-1780013368",
        "date": "2026-05-28 18:45:05",
        "title": "No Longer BI Checking: How to Check Your Credit Report Online",
        "author": "",
        "source": "CNBC",
        "tags": "",
        "topic": "Regulation",
        "summary": "Indonesia's credit reporting system has transitioned from BI Checking to the OJK-managed SLIK platform since 2018. Citizens can now access their comprehensive credit reports via the iDebku portal, which includes loan histories, payment statuses, and other financial data. This information is vital for securing new loans, credit cards, insurance, and business financing.",
        "content": "<p>Jakarta, CNBC Indonesia - Indonesian citizens can now independently\ncheck their loan status, payment history, and creditworthiness through\nan official online service.<\/p>\n<p>Some may be familiar with Bank Indonesia\u2019s BI Checking service.\nHowever, this has officially been replaced by the SLIK (Financial\nInformation Services System) managed entirely by the Financial Services\nAuthority (OJK) since 2018.<\/p>\n<p>Access to this service is freely available to all citizens via the\nofficial iDebku portal at idebku.ojk.go.id. The platform is directly\nconnected to OJK\u2019s central and regional offices, ensuring the data\nprovided is accurate, centralised, and legally valid.<\/p>\n<p>Through this service, Indonesian citizens can view all debts\nregistered under their name, including those from commercial banks,\nfinancing companies, and fintech lending platforms.<\/p>\n<p>What information is included in SLIK reports?<\/p>\n<p>The report includes a detailed breakdown of all credit facilities\npreviously or currently held, such as:<\/p>\n<ul>\n<li><p>Working capital loans<\/p><\/li>\n<li><p>Motor vehicle loans<\/p><\/li>\n<li><p>Housing loans (KPR) or apartment loans<\/p><\/li>\n<li><p>Investment loans<\/p><\/li>\n<li><p>Unsecured loans (KTA)<\/p><\/li>\n<li><p>Credit cards<\/p><\/li>\n<li><p>Secured loans (backed by gold, deposits, or other\nassets)<\/p><\/li>\n<li><p>Payment history and status (current, delinquent, doubtful, or\ndefault)<\/p><\/li>\n<\/ul>\n<p>This information is crucial for banks and financial institutions when\nprocessing new loan applications, credit card requests, insurance\nclaims, or business financing.<\/p>\n<p>Full guide to checking SLIK and iDebku online<\/p>\n<p>Follow these step-by-step instructions for registration and checking,\nexplained for ease of use:<\/p>\n<p>Stage 1: Account Registration and Application Submission<\/p>\n<ul>\n<li><p>Open a browser on your phone or computer and navigate to the\nofficial website at https:\/\/idebku.ojk.go.id<\/p><\/li>\n<li><p>On the homepage, select the \u2018Register\u2019 button<\/p><\/li>\n<li><p>Go to the \u2018Service Availability Check\u2019 menu<\/p><\/li>\n<li><p>Enter initial details:<\/p>\n<ul>\n<li><p>Debtor type (Individual or Business)<\/p><\/li>\n<li><p>Nationality (Indonesian or Foreign)<\/p><\/li>\n<li><p>ID type (ID card or Passport)<\/p><\/li>\n<li><p>ID number as per document<\/p><\/li>\n<li><p>Enter the Captcha security code and click \u2018Next\u2019. If a \u2018quota\nfull\u2019 notification appears, the daily limit has been reached. Try again\nduring off-peak hours, such as early morning before work or late at\nnight, as the system resets daily.<\/p><\/li>\n<li><p>Proceed to enter full personal details: full name as per ID,\ngender, place and date of birth, complete address, province,\nregency\/city, active email address, and contact phone number<\/p><\/li>\n<li><p>Select the purpose of the request (e.g., personal use, credit\napplication, or data verification) and enter your mother\u2019s maiden\nname<\/p><\/li>\n<li><p>Click \u2018Next\u2019 to proceed to document upload stage<\/p><\/li>\n<li><p>Upload required document photos, ensuring each file is under 4MB\nand clearly legible:<\/p>\n<ul>\n<li><p>Photo of your ID document (ID card or Passport)<\/p><\/li>\n<li><p>Selfie holding the ID document<\/p><\/li>\n<li><p>Selfie following the on-screen example guidelines<\/p><\/li>\n<\/ul><\/li>\n<li><p>Ensure all text on the document is clearly visible, as blurry\nimages will result in rejection.<\/p><\/li>\n<li><p>After all documents are uploaded, click \u2018Next\u2019<\/p><\/li>\n<li><p>Click \u2018Submit Application\u2019. Ensure the entered email address is\ncorrect, as the SLIK report will be sent directly to this\nemail.<\/p><\/li>\n<li><p>You can edit details if incorrect by pressing \u2018Back\u2019. Once\nverified, tick the data accuracy statement and OJK terms and conditions\nagreement.<\/p><\/li>\n<li><p>Finally, click \u2018Submit Application\u2019<\/p><\/li>\n<\/ul><\/li>\n<\/ul>\n<p>Upon successful submission, a \u2018Registration Successful\u2019 notification\nwill appear. Make sure to copy or note down the registration number, as\nit is required to check the application status.<\/p>\n<p>Stage 2: Checking Application Status<\/p>\n<ul>\n<li><p>Return to the idebku.ojk.go.id homepage<\/p><\/li>\n<li><p>Press the \u2018Service Status\u2019 button<\/p><\/li>\n<li><p>Enter the registration number you saved earlier<\/p><\/li>\n<li><p>The system will display your application\u2019s progress. According to\nOJK regulations, the report will be emailed within one working day after\nregistration is received and verified.<\/p><\/li>\n<\/ul>",
        "url": "https:\/\/jawawa.id\/newsitem\/no-longer-bi-checking-how-to-check-your-credit-report-online-1780013368",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}