How to Check if Your ID Card is Being Used for Online Loans

Jakarta, CNBC Indonesia — Cases of personal data misuse are increasingly common, including the use of ID numbers from ID cards without permission to apply for online loans (pinjol). Without realising it, someone could suddenly be recorded as having debt simply because their data has leaked and been exploited by others.

This situation is certainly detrimental, especially if the victim only finds out when they are chased for payment or when applying for other credit. Therefore, it is important for the public to regularly check whether their data has been used in certain financial services.

One method that can be done is through the Financial Information Service System (SLIK) owned by the Financial Services Authority. Through this service, the public can view their credit history, including the possibility of online loans in their name. Checks can be conducted online or offline.

Here are the detailed steps for the check:

For checking an ID card through OJK’s SLIK online is quite easy; you only need to prepare supporting documents such as an ID card, a photo of yourself, and a photo of yourself with the ID card.

Online method

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

• 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 information you enter is correct

• Click ‘Next’ after confirming the information is accurate

• Upload supporting documents such as ID card and 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.

Offline method

• The applicant visits the OJK office directly.

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

• For individuals: photocopy of ID card (for Indonesian citizens) or passport (for foreigners), and power of attorney if needed.

• For the deceased: photocopy of ID card/Passport, original death certificate, and documents proving family relationship/heir.

• For business entities: photocopy of business entity identity (NPWP, deed of establishment, latest articles of association amendment), identity of management, and power of attorney if needed.

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

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