OJK Emphasises that SLIK Relaxation is Not to Avoid NPL Records in Banking

Jakarta, VIVA – The Financial Services Authority (OJK) has emphasised that the relaxation of the Financial Information Services System (SLIK) policy, which does not record loan arrears below Rp1 million, is not intended to avoid problematic credit records (non-performing loans/NPLs). It was stressed that the purpose of not recording credits below Rp1 million is to facilitate the process of granting people’s housing loans (KPR), especially from the government’s programme to realise three million homes. “The potential concern (avoiding NPL records) seems small,” said the Head of OJK Bali, Parjiman, in Denpasar, Bali, on Wednesday, 15 April 2026. Parjiman added that SLIK is one of the considerations in granting credit from banks, to know the debt history of prospective debtors in credit payments if they have a history of borrowing. Meanwhile, credits below 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, OJK Commissioner Chairman 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, updating credit repayment data a maximum of 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 allows people with small credit records to still apply for subsidised home ownership loans (KPR). Nationally, OJK recorded the quality of banking credit (gross NPL) in the country in February 2026 at 2.17%, lower than the same period in 2025 at 2.22%. Meanwhile, in Bali, NPL is also maintained and lower in January 2026 at 2.60%, compared to the same period in 2025 at 3.14%.