{
    "success": true,
    "data": {
        "id": 1678702,
        "msgid": "ojk-emphasises-slik-relaxation-not-intended-to-avoid-npl-records-1776239449",
        "date": "2026-04-15 13:49:06",
        "title": "OJK Emphasises SLIK Relaxation Not Intended to Avoid NPL Records",
        "author": "",
        "source": "ANTARA_ID",
        "tags": "",
        "topic": "Regulation",
        "summary": "The Financial Services Authority (OJK) in Bali has clarified that the relaxation of the Financial Information Service System (SLIK) policy, which excludes loans under Rp1 million from default records, is designed to facilitate the government's three million homes programme rather than evade non-performing loan (NPL) notations. This measure supports easier access to subsidised housing credit (KPR) for individuals with minor credit issues, while maintaining overall credit quality, as evidenced by declining NPL ratios nationally and in Bali. The policy update also includes faster data processing and prioritisation of subsidised housing guarantees to accelerate homeownership for the public.",
        "content": "<p>Denpasar (ANTARA) - The Financial Services Authority (OJK) Bali\nProvince has emphasised that the relaxation of the Financial Information\nService System (SLIK) policy, which does not record loan arrears under\nRp1 million, is not intended to avoid problematic credit records\n(non-performing loans\/NPLs).<\/p>\n<p>\u201cThe potential concern (of avoiding NPL records) seems small,\u201d said\nthe Head of OJK Bali, Parjiman, in Denpasar, Bali, on Wednesday.<\/p>\n<p>He explained that the purpose of not recording credits under Rp1\nmillion is to smooth the process of providing people\u2019s housing loans\n(KPR), especially from the government\u2019s programme to realise three\nmillion homes.<\/p>\n<p>Parjiman added that SLIK is one of the considerations in providing\ncredit from banks to ascertain the debt history of prospective debtors\nin credit repayments if they have previously borrowed. Meanwhile,\ncredits under Rp1 million are still recorded by the financial services\ninstitution providing the credit.<\/p>\n<p>\u201cThe amount of one million is also relatively small; sometimes it is\nadministrative costs or fines that are forgotten and not paid by\ncustomers or debtors,\u201d he said.<\/p>\n<p>Previously, the Chairman of the OJK Board of Commissioners, Friderica\nWidyasari Dewi, stated that the financial services institution regulator\nfully supports the government\u2019s priority programme in building three\nmillion homes for Indonesian society.<\/p>\n<p>With this relaxation, she continued, the SLIK records displayed for\ncustomer data will only include credits of Rp1 million and above.<\/p>\n<p>In addition, the maximum update of credit repayment data is H+3 after\nrepayment is made, providing SLIK data access to BP Tapera to accelerate\nthe housing financing process, and affirming subsidised housing credit\nas a government priority programme in terms of guarantees.<\/p>\n<p>With these new SLIK regulations, it enables the public with small\ncredit records to still apply for subsidised home ownership credit\n(KPR).<\/p>\n<p>Nationally, OJK recorded the quality of banking credit (gross NPL) in\nthe country in February 2026 at 2.17 percent, lower than the same period\nin 2025 at 2.22 percent.<\/p>\n<p>Meanwhile, in Bali, NPL is also well-maintained and lower in January\n2026 at 2.60 percent, compared to the same period in 2025 at 3.14\npercent.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/ojk-emphasises-slik-relaxation-not-intended-to-avoid-npl-records-1776239449",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}