How to Easily Check if Your KTP NIK is Being Used for Online Loans or Not

Jakarta, CNBC Indonesia - There is an easy way you can use to check whether your KTP NIK is being used for online loans or not. It is known that the misuse of the Population Registration Number (NIK) on KTPs has become a common modus operandi used by irresponsible parties. In several cases, KTP data is used to apply for online loans (pinjol) without the permission or knowledge of the owner. This loophole occurs because some online loan services still allow the application process online by simply uploading a KTP, without additional verification such as facial recognition or a selfie while holding the identity document. To ensure whether your KTP is being misused for online loans, the check can be done through the Financial Information Service System (SLIK) managed by the Financial Services Authority (OJK). This service is available both online and offline. The checking steps are quite easy. For online access, you only need to prepare supporting documents such as KTP, a photo of yourself, and a photo of yourself with the KTP. How to check if KTP is used for online loans online 1. Access the site https://idebku.ojk.go.id or download the iDebku OJK app 2. On the main page, select the ‘Registration’ option 3. Fill out the form with the requested information such as debtor type, identity type, identity number, and captcha code 4. Ensure all the information you enter is correct 5. Click ‘Next’ after confirming the information is accurate 6. Upload supporting documents such as KTP and a photo of yourself 7. Click ‘Submit Application’ 8. After registration is complete, you will receive a registration number 9. To check the application status, use the ‘Service Status’ menu by entering the registration number you have obtained 10. OJK will process the iDeb application within one working day via the email you registered. How to check if KTP is used for online loans offline 1. The applicant comes directly to the OJK office. 2. 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 needed. - For the deceased: photocopy of KTP/Passport, original death certificate, and documents proving family relationship/heir. - For business entities: photocopy of business identity (NPWP, deed of establishment, latest articles of association amendment), identity of management, and power of attorney if needed. 3. OJK will conduct the check according to the form and supporting documents submitted. 4. The results of the application will be sent via the email previously registered.