How to Check If Your KTP Is Being Used for Pinjol (Online Loans) or Not, Online and Offline

Cybercrime is evolving rapidly alongside the swift development of digital technology. One common practice is the misuse of the National Identity Number (NIK) appearing on the Kartu Tanda Penduduk (KTP) by unscrupulous individuals. In several cases, KTP data has been used to register online loans or ‘pinjol’ without the owner’s knowledge. This vulnerability arises because some pinjol services allow applications to be submitted online simply by uploading KTP data, without requiring additional verification such as facial recognition or a selfie held with the KTP. To determine whether your KTP is being used for pinjol, you can check via the Financial Information Service System (SLIK) of the Financial Services Authority (OJK). This check can be performed online or offline. Here are the detailed steps: For online checking via OJK’s SLIK, prepare supporting documents such as the KTP, a photo of yourself, and a photo of yourself with the KTP. How to check KTP usage for pinjol online: - Access the site https://idebku.ojk.go.id or download the OJK iDebku app. - On the homepage, select the ‘Registration’ option. - Complete the form with information requested such as debtor type, identity type, identity number, and captcha code. - Ensure all information entered is correct. - Click ‘Next’ once you are confident the information is accurate. - Upload supporting documents such as the KTP and your photo. - 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 obtained. - OJK will process the iDeb application within one working day via the email you registered. For offline checking of KTP usage for pinjol: - Applicants should visit the OJK office in person. - Prepare the documents required according to the type of application: - For individuals: photocopy of the KTP (for Indonesian citizens) or passport (for foreign nationals), and a letter of power of attorney if required. - For deceased individuals: photocopy of the KTP/Passport, the original death certificate, and documents proving family relationship/heir status. - For corporate entities: photocopy of business identity documents (NPWP, deed of establishment, latest amendment to the Articles of Association), identity of the administrator, and a power of attorney if required. - OJK will conduct checks in accordance with the forms and supporting documents submitted. - The results of the application will be sent via the email previously registered.