Bank Jago Launches Credit Report Feature Without Requiring SLIK Access

Bank Jago has launched a Credit Report feature on the Jago application to help prospective borrowers review their credit history before applying for a loan. “We help them to become aware, what exactly are all your loans? Because that is actually very important,” said Andy Djiwandono, Head of Sustainability & Digital Lending at Bank Jago, in South Jakarta on Thursday, 9 July 2025. Andy explained that the feature was born from the problem of people who often fail to apply for loans due to outstanding credit at several banks or online lending platforms. He explained that the Credit Report feature will provide five pieces of information related to the customer’s credit health. One of these is the collectability status, which shows how smoothly a loan is being repaid. Furthermore, the Credit Report presents data on loan facilities and the total amount of loans applied for by the debtor across all financial institutions, not just at Bank Jago. From this credit profile information, Bank Jago will provide recommendations for customers in making financial decisions as well as for improving their credit health. Andy explained that the credit data integrated into the Credit Report is sourced from the Financial Information Service System (SLIK) of the Financial Services Authority (OJK). Therefore, to access the Credit Report, customers must give consent for Bank Jago to request their loan history from the OJK’s SLIK. According to Andy, reviewing credit history is crucial because many prospective borrowers fail to get loans due to a lack of awareness about their previous arrears. He said that public knowledge of credit history can mitigate the potential for loan application failures for urgent needs such as housing or education. “Don’t let it be hindered because you don’t know what your credit report looks like,” he said. Andy noted that based on the 2025 National Survey of Financial Literacy and Inclusion (SNLIK) released by the OJK, the national financial literacy level in banking financing reached 65.5 percent. Meanwhile, literacy levels in non-bank institutions were 44.7 percent, fintech lending 24.9 percent, and other financial institutions 9.8 percent. The Credit Report is an implementation of the responsible lending concept developed by Bank Jago. The presence of the Credit Report complements Bank Jago’s range of responsible lending products, including Jago Dana Cepat and Dana Siaga. Currently, the credit report can be accessed by Bank Jago debtors, including those of Jago Dana Cepat and Dana Siaga.