OJK Emphasises SLIK Relaxation Not Intended to Avoid NPL Records

Denpasar (ANTARA) - The Financial Services Authority (OJK) Bali Province has emphasised that the relaxation of the Financial Information Service System (SLIK) policy, which does not record loan arrears under Rp1 million, is not intended to avoid problematic credit records (non-performing loans/NPLs).

“The potential concern (of avoiding NPL records) seems small,” said the Head of OJK Bali, Parjiman, in Denpasar, Bali, on Wednesday.

He explained that the purpose of not recording credits under Rp1 million is to smooth the process of providing people’s housing loans (KPR), especially from the government’s programme to realise three million homes.

Parjiman added that SLIK is one of the considerations in providing credit from banks to ascertain the debt history of prospective debtors in credit repayments if they have previously borrowed. Meanwhile, credits under Rp1 million are still recorded by the financial services institution providing the credit.

“The amount of one million is also relatively small; sometimes it is administrative costs or fines that are forgotten and not paid by customers or debtors,” he said.

Previously, the Chairman of the OJK Board of Commissioners, Friderica Widyasari Dewi, stated that the financial services institution regulator fully supports the government’s priority programme in building three million homes for Indonesian society.

With this relaxation, she continued, the SLIK records displayed for customer data will only include credits of Rp1 million and above.

In addition, the maximum update of credit repayment data is H+3 after repayment is made, providing SLIK data access to BP Tapera to accelerate the housing financing process, and affirming subsidised housing credit as a government priority programme in terms of guarantees.

With these new SLIK regulations, it enables the public with small credit records to still apply for subsidised home ownership credit (KPR).

Nationally, OJK recorded the quality of banking credit (gross NPL) in the country in February 2026 at 2.17 percent, lower than the same period in 2025 at 2.22 percent.

Meanwhile, in Bali, NPL is also well-maintained and lower in January 2026 at 2.60 percent, compared to the same period in 2025 at 3.14 percent.