What Is SLIK OJK?

SLIK OJK stands for Financial Information Service System managed by Otoritas Jasa Keuangan. It is Indonesia’s official credit reporting system.

Previously, this system was known as BI Checking under Bank Indonesia. However, after regulatory authority shifted to OJK, the system was renamed SLIK OJK.

Today, SLIK OJK plays a critical role in credit approval processes. Banks and financial institutions use it to evaluate:

• Credit card applications

• Personal loans

• Mortgage loans

• Business financing

Therefore, maintaining a good SLIK OJK record is essential.

What Does SLIK OJK Do?

SLIK OJK collects and provides debtor information (iDeb). It records credit history from:

• Commercial banks

• Finance companies

• Non-bank financial institutions

• Credit information agencies

In addition, SLIK OJK stores data such as:

• Loan facilities

• Collateral information

• Payment performance

• Credit collectibility status

Because of this centralized system, lenders can assess borrower risk more accurately. As a result, financial stability improves.

Credit Score Categories in SLIK OJK

SLIK OJK evaluates borrowers using collectibility categories.

Here are the five credit score levels:

Score 1 (Current / Performing Loan)

Payments are made on time. No arrears.

Score 2 (Special Mention)

Late payment between 1–90 days.

Score 3 (Substandard)

Late payment between 91–120 days.

Score 4 (Doubtful)

Late payment between 121–180 days.

Score 5 (Loss / Default)

Late payment over 180 days.

Generally, banks reject applications with scores 3, 4, or 5. Even score 2 may reduce approval chances.

Therefore, checking your SLIK OJK status before applying for credit is highly recommended.

How to Check SLIK OJK Online

The public can access SLIK OJK information for free. Below are the official steps to check SLIK OJK online.

1. Access the Official OJK Website

Visit the official OJK registration portal.

Always use the official website to avoid fraud.

2. Complete the Registration Form

Fill in your personal information accurately.

Required documents include:

• ID card (for Indonesian citizens)

• Passport (for foreigners)

• Tax ID (if available)

• Business documents (for companies)

3. Upload Required Documents

Upload clear scanned copies of your documents.

After that, complete the captcha and submit the form.

4. Wait for Confirmation Email

You will receive a confirmation email from OJK.

Verification results are usually sent at least two days before your scheduled appointment.

5. Sign the Required Form

If your data is verified, print the form and sign it three times.

Send the signed document as instructed in the confirmation email.

6. Identity Verification Process

OJK may conduct verification via WhatsApp or video call.

This step ensures data security and prevents misuse.

7. Receive Your iDeb Report

Once approved, your SLIK OJK iDeb report will be sent to your registered email.

Important Notes About SLIK OJK Services

Before requesting your credit report, remember:

• SLIK OJK services are completely free

• Be cautious of anyone asking for payment

• The process is fast if documents are complete

• It is recommended not to delegate the request

• If represented, a signed power of attorney is required

Protecting personal financial data is a priority.

Why Checking SLIK OJK Is Important

Regularly checking SLIK OJK helps you:

• Monitor your credit history

• Detect reporting errors

• Improve loan approval chances

• Maintain financial credibility

In today’s digital financial system, your credit record is an important asset. Therefore, keeping a healthy SLIK OJK profile is essential for long-term financial access.