{
    "success": true,
    "data": {
        "id": 1679106,
        "msgid": "ojk-emphasises-that-slik-relaxation-is-not-to-avoid-npl-records-in-banking-1776246664",
        "date": "2026-04-15 15:35:35",
        "title": "OJK Emphasises that SLIK Relaxation is Not to Avoid NPL Records in Banking",
        "author": "",
        "source": "VIVA",
        "tags": "bisnis",
        "topic": "Regulation",
        "summary": "The Financial Services Authority (OJK) has clarified that the relaxation of the Financial Information Services System (SLIK) policy, which excludes loan arrears below Rp1 million from records, is intended to streamline the housing loan (KPR) process, particularly for the government's three million homes programme, rather than to evade non-performing loan (NPL) notations. OJK officials noted that such small credits are typically minor fees or fines and remain internally recorded by lenders, with the measure supporting subsidised housing access for those with minor credit issues. Nationally, banking NPL ratios improved to 2.17% in February 2026 from 2.22% the previous year, while Bali's rate dropped to 2.60% in January 2026 from 3.14%.",
        "content": "<p>Jakarta, VIVA \u2013 The Financial Services Authority (OJK) has emphasised\nthat the relaxation of the Financial Information Services System (SLIK)\npolicy, which does not record loan arrears below Rp1 million, is not\nintended to avoid problematic credit records (non-performing\nloans\/NPLs). It was stressed that the purpose of not recording credits\nbelow Rp1 million is to facilitate the process of granting people\u2019s\nhousing loans (KPR), especially from the government\u2019s programme to\nrealise three million homes. \u201cThe potential concern (avoiding NPL\nrecords) seems small,\u201d said the Head of OJK Bali, Parjiman, in Denpasar,\nBali, on Wednesday, 15 April 2026. Parjiman added that SLIK is one of\nthe considerations in granting credit from banks, to know the debt\nhistory of prospective debtors in credit payments if they have a history\nof borrowing. Meanwhile, credits below Rp1 million are still recorded by\nthe financial services institution providing the credit. \u201cThe amount of\none million is also relatively small, sometimes it is administrative\ncosts or fines that are forgotten and not paid by customers or debtors,\u201d\nhe said. Previously, OJK Commissioner Chairman Friderica Widyasari Dewi\nstated that the financial services institution regulator fully supports\nthe government\u2019s priority programme in building three million homes for\nIndonesian society. With this relaxation, she continued, the SLIK\nrecords displayed for customer data will only include credits of Rp1\nmillion and above. In addition, updating credit repayment data a maximum\nof H+3 after repayment is made, providing SLIK data access to BP Tapera\nto accelerate the housing financing process, and affirming subsidised\nhousing credit as a government priority programme in terms of\nguarantees. With these new SLIK regulations, it allows people with small\ncredit records to still apply for subsidised home ownership loans (KPR).\nNationally, OJK recorded the quality of banking credit (gross NPL) in\nthe country in February 2026 at 2.17%, lower than the same period in\n2025 at 2.22%. Meanwhile, in Bali, NPL is also maintained and lower in\nJanuary 2026 at 2.60%, compared to the same period in 2025 at 3.14%.<\/p>",
        "url": "https:\/\/jawawa.id\/newsitem\/ojk-emphasises-that-slik-relaxation-is-not-to-avoid-npl-records-in-banking-1776246664",
        "image": ""
    },
    "sponsor": "Okusi Associates",
    "sponsor_url": "https:\/\/okusiassociates.com"
}