BI Checking Replaced: How to Check Debts Online
Jakarta, CNBC Indonesia - The public can now independently check loan status, payment history, and creditworthiness via the official online service.
The service previously known as BI Checking has been replaced by the Financial Information Services System (SLIK), managed by the Financial Services Authority (OJK).
Access to this check is freely available to all citizens through the official iDebku portal at https://idebku.ojk.go.id. The platform is directly connected to OJK’s central and regional offices, ensuring accurate, centralised, and legally valid data.
Indonesian citizens can view all registered debts under their name, including those from commercial banks, financing companies, and fintech lending services.
What Information is Available in SLIK?
The report includes a detailed breakdown of all credit facilities previously or currently held, such as:
Working capital loans
Housing loans (KPR) or apartment loans
Investment loans
Unsecured loans (KTA)
Credit cards
Secured loans (gold, deposits, or other assets)
Payment history and status (smooth, less smooth, doubtful, to default)
This information is crucial as it serves as the primary reference for banks and financial institutions when processing new loan applications, credit card requests, insurance procedures, or business capital.
Complete Guide to Checking SLIK and iDebku Online
Follow these step-by-step instructions for registration and checking, explained for ease of use:
Step 1: Account Registration and Application Submission
Open a browser on your phone or computer and visit the official website at https://idebku.ojk.go.id
On the homepage, select the ‘Registration’ button
Navigate to the ‘Check Service Availability’ menu
Enter initial data:
Debtor type (Individual or Business Entity)
Nationality (Indonesian or Foreign)
ID type (ID Card or Passport)
ID number as per document
Enter the Captcha security code, then click ‘Next’. If a queue capacity notification appears, daily application limits are full. Try again during off-peak hours, such as early morning before work or at night. The system releases new quotas daily.
Complete personal details: full name as per ID, gender, place and date of birth, full address, province, regency/city, active email address, and contactable phone number
Select the purpose of the information request (e.g., personal use, loan application, or data verification) and enter mother’s maiden name
Click ‘Next’ to proceed to document upload
Upload required document photos, ensuring each file is under 4MB and clear, not blurred
Take a selfie holding the ID document
Take a selfie following the on-screen example guidelines. Ensure all text on the document is clearly visible; blurred submissions will be rejected
After uploading all documents, click ‘Next’
Click ‘Submit Application’. Ensure the entered email address is correct, as the SLIK report will be sent directly to it
You may edit data if incorrect by pressing ‘Back’. If correct, tick the data accuracy declaration and OJK terms agreement
Finally, click ‘Submit Application’
Upon successful submission, a ‘Registration Successful’ notification will appear. Do not forget to copy or note the registration number provided, as it is required to check the application status.
Step 2: Checking Application Status
Return to the idebku.ojk.go.id homepage
Press the ‘Service Status’ button
Enter the registration number you saved earlier
The system will display your application progress. According to OJK regulations, the report will be emailed within one working day after application acceptance and verification.