Check if Your ID Number is Being Used by Someone Else for Online Loans, Here's How

Jakarta, CNBC Indonesia - You need to be wary of crimes involving the use of KTP NIK for online loans (pinjol). This crime often goes unnoticed by the KTP owner until bills or problematic credit records appear in the future.

This issue arises because several pinjol platforms can be processed with just a KTP. They do not use other verifications such as face scans or selfies holding the KTP.

You are obliged to keep your personal data, including NIK, confidential to avoid becoming a victim. Additionally, you can check whether your KTP NIK has been used for pinjol without your consent.

The check can be done online by accessing the iDebku service owned by the Financial Services Authority (OJK). Alternatively, you can visit an OJK office directly for an examination.

To perform the check, you only need to prepare related documents such as a KTP with a photo of yourself. Here is how to do it:

How to Check Online

Here is how to check the debt list online:

• Access the site https://idebku.ojk.go.id or download the iDebku OJK application

• On the main page, select the Registration option

• Fill out the form with the requested information such as debtor type, identity type, identity number, and captcha code

• Ensure all the information you enter is correct

• Click Next after confirming the information is accurate

• Upload supporting documents such as KTP and a photo of yourself

• Click Submit Application

• After registration is complete, you will receive a registration number

• To check the application status, use the Service Status menu by entering the registration number you received

• OJK will process the iDeb application within one working day via the email you registered.

How to Check Debt List Offline

Here is how to check debts offline:

• The applicant comes directly to the OJK office.

• Prepare the required documents according to the type of application:

• For individuals: photocopy of KTP for Indonesian citizens or passport for foreigners, and power of attorney if required.

• For the deceased: photocopy of KTP or passport, original death certificate, and documents proving family relationship or heir status.

• For business entities: photocopy of business entity identity such as NPWP, deed of establishment, latest articles of association amendment, identities of management, and power of attorney if required.

• OJK will conduct the check according to the form and supporting documents submitted.

• The results of the application will be sent via the email previously registered.