BI Checking Replaced: Here's How to Check Your Own Debt Online
Monitoring financial track records and credit scores has become increasingly practical. Indonesian citizens can now independently check their loan status, payment history, and creditworthiness for free online. However, it is important to note that this service no longer uses the term BI Checking, which was previously managed by Bank Indonesia. Since 2018, this authority has been fully transferred to the Financial Services Authority (OJK) through the Financial Information Service System (SLIK).
OJK provides an official platform called iDebku via the website https://idebku.ojk.go.id. This integrated service is connected to OJK’s head office and all regional offices across Indonesia, ensuring the accuracy and legal validity of the data. Through iDebku, customers can monitor all debts recorded under their name, from conventional banks, Islamic banks, and finance companies to online lending providers or fintech lending.
The information presented in the SLIK report is highly comprehensive. The report details all credit facilities that are currently active or have been used, including working capital loans, investment loans, home or apartment ownership loans (KPR), motor vehicle loans (KKB), unsecured loans (KTA), credit cards, and loans with collateral such as gold or deposits. It also includes payment history and collectability status, ranging from current to substandard, doubtful, and bad debt. This track record is crucial because the collectability level in SLIK determines whether a financial institution will approve a new loan, credit card, insurance, or business capital application.
To check your financial health or ensure your identity has not been misused, you can follow the registration steps on the iDebku OJK website. First, open a browser on your mobile phone or computer and access the iDebku site. On the main page, click the registration menu and select the service availability check. Fill in the initial data, including the type of debtor, citizenship, type of identity, and identity number, then enter the captcha code and click next. If the daily quota is full, you are advised to try again during off-peak hours such as morning or night, as the quota is refreshed daily. Once a quota is available, complete your personal data, select the purpose of the information request, and enter your mother’s maiden name. Upload the required documents, including a photo of your identity card and a selfie holding the card, ensuring the file size is under 4 MB and the images are clear. After reviewing all data and agreeing to the statement of truth, submit the application and save the registration number that appears. To check the status of your application, return to the main page, select the service status button, and enter your registration number. According to OJK regulations, the SLIK report will be sent directly to the applicant’s email address no later than one working day after successful verification.