Has your loan application been rejected by a financial institution? In most cases, this happens due to poor credit collectability or because your name has been recorded on the OJK blacklist. Unfortunately, many people are unaware of this issue—or don’t even realize it exists.
That’s why checking your credit history before applying for a loan is absolutely essential. So, how do you check the OJK blacklist? The good news is—it’s not as complicated as you might think. Read on to find out everything you need to know.
What Is the OJK Blacklist?
The OJK blacklist is a record containing borrowers (debtors) who have a poor credit track record, usually due to frequent late payments or failure to repay loans.
This data is stored in the OJK (Financial Services Authority) information system and can be accessed by financial institutions such as banks and multifinance companies. Previously, this information was managed by Bank Indonesia through the BI Checking system.
Today, it has transitioned to the Financial Information Service System (SLIK OJK). The blacklist plays a crucial role in maintaining the integrity and stability of Indonesia’s financial sector by minimizing credit risk that could harm financial institutions.
Through this system, OJK can identify individuals or entities with problematic financial obligations and alert lenders to be more cautious when providing financial services to them.
Credit Score Levels in SLIK OJK
Borrowers included on the OJK blacklist generally have high-risk credit scores, specifically scores 3, 4, and 5. If your score is still at 1 or 2, you are not considered blacklisted.
Here’s a breakdown of the SLIK OJK credit score levels:
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Score 1 (Current / Performing Loan):
The borrower has no outstanding arrears and consistently fulfills credit obligations until fully repaid. -
Score 2 (Special Mention):
The borrower has overdue installments ranging from 30 to 90 days. -
Score 3 (Substandard):
Indicates overdue credit payments between 90 and 120 days. -
Score 4 (Doubtful):
Shows that the borrower has overdue installments for 120–180 days. -
Score 5 (Loss / Bad Credit):
The worst category, where payments have been overdue for more than 180 days.
How Long Does the OJK Blacklist Status Last?
In general, the blacklist status lasts between 24 to 60 months. However, it’s important to note that your name will only be removed from the blacklist after all outstanding obligations have been fully settled.
Even if the blacklist period has technically expired, your status will remain active if you still have unpaid debt. This will undoubtedly affect future loan applications.
Requirements to Check the OJK Blacklist
Before learning how to check the OJK blacklist, you should understand the required documents. These requirements vary depending on whether the debtor is an individual, a business entity, or deceased.
1. Individual Debtors
To check the OJK blacklist as an individual, prepare the following:
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National ID card (KTP) for Indonesian citizens
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Passport for foreign nationals
2. Business Entity Debtors
For companies or business entities, the required documents include:
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Identification of company management (KTP for Indonesian citizens or passport for foreign nationals)
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Company Tax ID (NPWP)
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Deed of establishment or initial articles of association
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Latest amendment documents to the articles of association showing all management changes
3. Deceased Debtors
If a family member wishes to check the blacklist status of a deceased borrower, the following documents are required:
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Heir’s identification (KTP or passport)
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Official death certificate issued by an authorized institution
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Documents proving family relationship or legal heir status
How to Check the OJK Blacklist
You can check the OJK blacklist online or offline. Below are the available methods:
1. Through the iDebku Website
You can access blacklist and credit score information via the official iDebku website by following these steps:
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Visit the iDebku website at https://idebku.ojk.go.id
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Click “Registration” to sign up
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Select “Check Service Availability”
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Fill in your personal data accurately and completely
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Upload required documents, including a photo of your original ID, a selfie with your ID, and a guided photo
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Wait for an email notification containing your SLIK queue number
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Enter the registration number from the email into the “Service Status” menu
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OJK will process your credit score request
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Verification results will be sent no later than two days before your queue date
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Sign the form three times after receiving confirmation
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Scan the form and send it along with a selfie holding your ID to the WhatsApp number provided
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OJK will verify your data via WhatsApp and may conduct a video call if necessary
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Once verified, your credit score report will be sent to your email
2. Visiting an OJK Office
Alternatively, you can check your blacklist status by visiting an OJK office directly:
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Visit the nearest OJK office
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Bring all required documents
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Fill out the SID application form upon arrival
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Submit your documents to the OJK officer
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The officer will print your iDeb report containing your BI Checking credit score and credit history
That’s a complete guide on how to check the OJK blacklist, including all the requirements and procedures involved. With this information, you no longer have to feel confused about whether your name is listed on the OJK blacklist.
By staying informed, you can take proactive steps to maintain your financial health and improve your credit history. If you’re looking for a reliable financing solution, make sure to choose a trusted provider such as BFI Finance.
BFI Finance offers secured loans using car BPKB, motorcycle BPKB, and house/shop certificates as collateral. The process is fast, practical, and secure—fully licensed and supervised by OJK.
So, what are you waiting for? Apply now and get the financing you need to achieve your financial goals—because #ThereIsAlwaysAWay with BFI Finance!
