{
    "success": true,
    "data": {
        "id": 1847312,
        "msgid": "ojk-eases-slik-credit-scoring-to-unlock-home-ownership-for-low-income-families-1783497846",
        "date": "2026-07-08 14:04:13",
        "title": "OJK Eases SLIK Credit Scoring to Unlock Home Ownership for Low-Income Families",
        "author": "",
        "source": "ANTARA_ID",
        "tags": "",
        "topic": "Economy",
        "summary": "Indonesia's Financial Services Authority (OJK) has relaxed its SLIK credit scoring rules to help low-income households access subsidised mortgages. The new policy, effective 13 April 2026, stipulates that small non-performing loans under Rp1 million will no longer be an automatic barrier to KPR applications. This shift moves the assessment from a purely administrative check to a more comprehensive analysis of a borrower's repayment capacity.",
        "content": "<p>Jakarta (ANTARA) - The government continues to seek ways to expand\naccess to housing finance for low-income communities (MBR). In addition\nto increasing the housing supply through the Three Million Houses\nProgramme, the government is also striving to remove various obstacles\nthat have historically made it difficult for the public to obtain\nsubsidised Home Ownership Credits (KPR).<\/p>\n<p>One step attracting significant attention is the implementation of\nthe new Financial Services Information System (SLIK) by the Financial\nServices Authority (OJK) as of 13 April 2026, accompanied by relaxed\nassessment criteria for subsidised KPR applicants.<\/p>\n<p>This policy brings important changes. The OJK has emphasised that\nindividuals with problematic credit records involving amounts below Rp1\nmillion can still apply for subsidised KPR. Furthermore, SLIK data will\nno longer serve as the sole determinant for the acceptance or rejection\nof credit applications, but will instead function as one element within\nthe overall risk analysis process conducted by banks.<\/p>\n<p>This change marks a shift in approach from a system that tended to be\npurely administrative towards one based on a comprehensive assessment of\na potential debtor\u2019s ability to pay.<\/p>\n<p>The policy is worthy of appreciation as it addresses issues\nfrequently complained about by the public. Many first-time homebuyers\nhave failed to secure subsidised KPR not due to a lack of steady income\nor repayment capacity, but because of arrears on credit cards, vehicle\ninstalments, or other relatively small consumer loans.<\/p>\n<p>In several cases, there are even individuals who have settled their\nobligations, yet their SLIK status has not been promptly updated,\nremaining a barrier when applying for housing finance. This is\nsignificant because housing is a basic need with social and economic\ndimensions far broader than other forms of consumer credit.<\/p>\n<p>Home ownership provides certainty of residence, improves family\nwelfare, and serves as a productive long-term asset. Therefore, it is\nappropriate that the assessment of subsidised KPR applicants is\nconducted more proportionally without neglecting the principle of\nprudence.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/ojk-eases-slik-credit-scoring-to-unlock-home-ownership-for-low-income-families-1783497846",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}