BI Checking Has Changed: How to Check Your Debt Online
Jakarta, CNBC Indonesia – Many people are still looking for ways to check their debt history through BI Checking. However, that service is no longer in use. It has been replaced by the OJK’s SLIK, or Financial Information Services System, and checks are now conducted online through the official iDebku OJK website.
Here is a complete guide to checking your credit history, debts and financial record for free through the official service.
What is SLIK OJK? The replacement for BI Checking
Previously known as BI Checking, the system recording people’s financial histories is now managed by the Financial Services Authority (OJK) and is called SLIK. It records all your financial obligations, whether with banks, finance companies or financial technology-based lenders.
Obligations recorded in SLIK OJK include:
Home or apartment mortgages (KPR)
Motor vehicle loans
Unsecured loans (KTA)
Credit cards
Working capital and investment loans
Secured loans, such as those backed by gold or deposits
Loans from finance institutions and online lending apps
The system also records payment status: current, less than current, doubtful or in default. This is a key reference for banks and lenders when you apply for new credit.
How to check SLIK OJK through iDebku
Open a browser on your phone or computer and visit the official website at https://idebku.ojk.go.id/.
Step 1: Register an account and submit an application
On the home page, select the Registration button.
Choose the debtor type: individual or business entity.
Select your citizenship: Indonesian or foreign national.
Select your identity document: identity card (KTP) or passport.
Enter your identity number and the security code (Captcha), then click Next.
If you are notified that the daily quota has been reached, try again during quieter hours, such as 6–8 am or after 9 pm. The quota is renewed daily.
Complete your personal details: name, gender, place and date of birth, address, province, regency/city, active email address and mobile number.
Select the purpose of the request (personal use, credit application, data verification, etc.).
Enter your mother’s maiden name.
Click Next.
Step 2: Upload the required documents
Prepare document photos, each no larger than 4 MB, and make sure they are clear and not blurry:
A photo of your KTP or passport
A photo of yourself holding your KTP or passport
A photo of yourself following the example shown on screen
If the writing on the documents is not clearly legible, the application will be rejected.
Step 3: Submit the application
Check all the information again. If anything is incorrect, click Back to amend it.
Tick the declaration confirming the information is correct and that you agree to OJK’s terms and conditions.
Click Submit Application.
The SLIK report will be sent to the email address you provided.
Step 4: Check the application status
Return to the home page at https://idebku.ojk.go.id/.
Select Service Status.
Enter your registration number.
Check the progress of your application.
Under OJK rules, the report is sent no later than one working day after the application has been received and verified.
Why should you check SLIK?
To find out whether there are loans in your name that you do not know about
To make sure your payment history has been recorded correctly as current
To check your credit status before applying for a new loan
To correct any errors in the records
To avoid having an application for a mortgage, unsecured loan, credit card or business capital rejected because of a poor credit history
BI Checking has indeed been renamed SLIK OJK, but its function remains the same and it can now be accessed online from home. Do not let your financial history come as a surprise when you urgently need credit: check it now, correct any errors and make sure your record is clean.