BI Checking Has Changed: You Can Now Check Your Own Debts Online
For those planning to apply for a Home Ownership Loan (KPR), business capital loans, or new credit cards, the essential first step is to check your financial ‘track record’.
Indonesians can now easily check their loan status, payment history, and creditworthiness independently, officially, and free of charge.
It is important to note that credit history checks no longer use Bank Indonesia’s ‘BI Checking’ service. Since 2018, this authority has been fully transferred to the Financial Services Authority (OJK) through a system known as the Financial Information Service System (SLIK).
Members of the public can access this service online through the official OJK iDebku portal at https://idebku.ojk.go.id. This platform is directly integrated with OJK’s head and regional offices across Indonesia, ensuring the legal validity and accuracy of the data.
Through this portal, all debt history under your name—whether from commercial banks, finance companies (multifinance), or fintech lending providers—will be presented transparently.
What Information is Included in SLIK OJK?
The Debtor Information Report (iDeb) issued by the OJK contains comprehensive details regarding all credit facilities you currently hold or have previously held, including:
Working Capital & Investment Credit
Motor Vehicle Credit (KKB)
Home Ownership Loans (KPR) or Apartments
Unsecured Loans (KTA) & Credit Cards
Secured Credit (such as gold, deposits, or other assets)
History & Payment Status (collectability levels divided into: Smooth, Underperforming, Doubtful, to Bad Debt)
This data serves as the primary reference (scoring) for banks and financial institutions before they approve your new credit or financing applications.
Complete Guide to Checking SLIK OJK via iDebku
The process of requesting a credit score through iDebku is quite practical. Here are the step-by-step stages you can follow:
Stage 1: Account Registration & Application Submission
Open a browser on your phone or computer and access https://idebku.ojk.go.id.
On the main page, click the Registration button, then select the Check Service Availability menu.
Fill in the initial data requested by the system:
Debtor Type (Individual or Business Entity)
Nationality (Indonesian or Foreigner)
Identity Type (KTP or Passport)
Identity Number
Enter the available Captcha code, then click Next.
Tip: If a notification appears stating that the quota is exhausted, it means the daily queue is full. You can try again during off-peak hours, such as in the morning before working hours or at night when the daily quota is updated.
Complete your personal details in detail (full name, gender, place/date of birth, full address, active email address, mobile number, mother’s maiden name, and the purpose of the application). Click Next.
Upload the required documents (maximum size of 4 MB per file; ensure photos are clear and not blurry):
A photo of your identity document (KTP/Passport).
A selfie holding your identity document.
A selfie according to the instructional guidelines displayed on the screen.
Click Next, then press Submit Application.
Tick the declaration box for data truth and agreement to OJK’s terms and conditions, then click Submit Application once more.
Once registration is successful, save or copy the Registration Number that appears for the purpose of checking your application status.
Stage 2: How to Check Application Status
Re-access the site https://idebku.ojk.go.id.
Select the Service Status menu or button.
Enter the Registration Number you saved previously.
The system will automatically display the verification status of your application.
In accordance with OJK regulations, the results of the iDeb SLIK report will be sent directly in digital document format to your active email address no later than 1 (one) working day after the registration has been successfully verified.