BI Checking Replaced: Now You Can Check Your Own Debt History Online
For those planning to apply for a Home Ownership Loan (KPR), business capital loans, or new credit cards, it is advisable to check your financial track record first. Indonesian citizens can now independently, officially, and freely check their loan status, payment history, and creditworthiness level.
It should be noted that this credit history check no longer uses the BI Checking service from Bank Indonesia. Since 2018, this authority has been fully transferred to the Financial Services Authority (OJK) through a system called the Financial Information Service System (SLIK).
The public can access this service online via the official OJK iDebku portal at https://idebku.ojk.go.id. This platform is directly integrated with OJK’s head office and regional offices throughout Indonesia, ensuring the data presented is accurate and legally valid.
Through this portal, your entire debt history—from commercial banks, multi-finance companies, to technology-based lending providers—will be visible transparently.
What Information is Available in OJK’s SLIK?
The Debtor Information Report (iDeb) issued by OJK contains comprehensive details of all credit facilities you currently hold or have previously held, including:
Working Capital & Investment Loans
Motor Vehicle Loans (KKB)
Home or Apartment Ownership Loans (KPR)
Unsecured Loans (KTA) & Credit Cards
Secured Loans (Gold, deposits, or other assets)
Payment history and smoothness status (Collectability: Current, Substandard, Doubtful, to Bad Debt)
This data serves as the primary reference (scoring) for banks and financial institutions before approving your new credit application.
Complete Guide on How to Check SLIK OJK via iDebku
The process of applying for a credit score on iDebku is relatively easy. Here is a step-by-step guide you can follow:
Stage 1: Account Registration & Application Submission
Open a browser on your mobile phone or computer, and go to https://idebku.ojk.go.id.
On the main page, click the Registration button, then enter the Service Availability Check menu.
Fill in the requested initial data:
Type of Debtor (Individual or Business Entity)
Nationality (WNI or WNA)
Type of Identity (KTP or Passport)
Identity Number
Enter the Captcha code, then click Next.
Tip: If a quota exhausted notification appears, it means the daily queue is full. You can try again during off-peak hours, such as early morning before working hours or at night when the quota is refreshed.
Complete your detailed personal data (full name, gender, place/date of birth, address, active email, mobile number, mother’s maiden name, and purpose of application). Click Next.
Upload Required Documents (maximum file size 4 MB per file, images must be clear and not blurry):
Photo of identity document (KTP/Passport).
Self-photo holding the identity document.
Self-photo according to the on-screen instructions.
Click Next, then press Submit Application.
Tick the statement of data truthfulness and agreement to OJK’s terms and conditions, then click Submit Application once more.
After successful registration, save or copy the Registration Number that appears to check the application status.
Stage 2: How to Check Application Status
Re-access the idebku.ojk.go.id website.
Select the Service Status button.
Enter the Registration Number you previously saved.
The system will display the verification status of your application.
In accordance with OJK regulations, the iDeb SLIK report results will be sent directly as a digital document to your active email address no later than one working day after the registration is verified.