Maybe some people don't realize that OJK SLIK plays an important role in the process of assessing your credit or loan application. Because usually these requirements are not clearly written in the information on credit requirements by the Financial Service Provider. The Financial Information Service System or OJK SLIK is a credit score for your credit or loan application history at Bank and Non-Bank Financial Institutions. Prior to 2018, this system was known as BI Checking. However, in January 2018 the BI Checking system changed to OJK SLIK.
As one of the players in the Non-Bank Financial Institution sector, BFI Finance feels the need to provide a further understanding of what OJK SLIK is and how to check its status. Here's the BFI Finance team in a comprehensive manner for you.
What is OJK SLIK?
OJK as a Financial Institution in Indonesia which is tasked with regulating and supervising an integrated financial system continues to provide the best services for financial sector actors and the public. Effective January 1, 2018, services to access credit history information no longer use BI Checking, but instead use the Financial Information Service System or SLIK managed by OJK. In short, OJK SLIK is a service to find out the debtor's credit status or history which can later be used as one of the assessments of credit application eligibility. Under the auspices of OJK, SLIK can cover debtor information more broadly, not only from bank debtors but also from debtors from non-bank financial institutions such as financing companies.
As already explained, one of the benefits of OJK SLIK for the community is to know their credit history or score. Later, the debtor will get one of 5 credit scores that can be used as a requirement for applying for credit to banks or financing companies.
Meanwhile, the benefits of OJK SLIK for financial service providers or creditors are certainly useful as a means of monitoring the quality of their credit (Non-Performing Loans). Financial service providers are also required to report regularly updated debtor information to OJK.
For those of you who want to know your credit history through OJK SLIK, you can contact the OJK call center service at 157 or go directly to the OJK office in your area. To get the results of this OJK SLIK there is no charge at all, BFI friends, in other words, it's free! Complete information on how to check OJK SLIK is explained at the bottom of the following article.
Benefits of OJK SLIK
The implementation of OJK SLIK has shared benefits for Financial Institutions and the public. The following are the full benefits of OJK SLIK:
For Creditors/Financial Institutions:
- Assist creditors in preventing potential bad loans and reducing credit risk.
- Assist creditors in the process of analyzing the feasibility of prospective debtors and making credit decisions.
- Efficiency of operational costs because it can be accessed online.
- Encouraging transparency in credit management.
For the Debtors:
- Speed up the time it takes to get a credit score.
- Expanding access to lenders without having to provide guarantees, applies to new customers who are classified as Micro, Small, and Medium Enterprises (MSMEs).
- Encourage credit recipients to maintain a good credit reputation.
Type of Credit Score
Based on POJK No. 35 of 2018 Article 92, the collectability or score of credit can be divided into 5 classifications, namely:
a. Current Classification
Namely, the debtor who pays the installments including the payment of principal and/or interest on a timely basis, not exceeding 10 calendar days.
b. Classification in Special Mention (DPK)
That is the debtor who pays the installments including the payment of principal and/or interest, experiences a delay of more than 10 days but not more than 90 days.
c. Substandard Classification
Namely, debtors who pay installments including principal and/or interest payments, experience delays of more than 90 days but not more than 120 days.
d. Doubtful Classification
That is the debtor who pays the installments including the payment of principal and/or interest, experiences delays of more than 120 days but not more than 180 days.
e. Congestion Classification
That is the debtor who pays the installments including the payment of principal and/or interest, experiences a delay of more than 180 days.
There is a fine that must be paid by the debtor if there is a delay in payment in accordance with the policies of each Financial Institution.
How to Check OJK SLIK
After you know what OJK SLIK is and its benefits, here is a guide on how to check OJK SLIK which is adapted from the OJK official page.
How to Check OJK SLIK Offline
Reporting from the official OJK page, here is how to check OJK SLIK offline:
- Visit the nearest OJK Representative Office from your area by bringing the required documents and filling out the debtor information request form provided.
- The OJK will examine and examine the required documents and debtor information request forms. If it meets the requirements, the OJK will print out the results of debtor information.
- Furthermore, OJK will confirm and submit the results of debtor information to the applicant along with a receipt that must be signed by the applicant.
Supporting documents to be prepared:
Individual Debtors:
Photocopy of identity by showing original identity in the form of:
1. Debtor's identity document:
a. KTP for Indonesian Citizens (WNI)
b. Passport for Foreign Citizens (WNA)
2. If you choose to use your power of attorney, the documents letter a and b are accompanied by:
a. Original power of attorney accompanied by the wet signature
b. Power of attorney's identity document:
i. ID card for Indonesian citizens
ii. Passport for foreign authorized recipients
Debtors Who Have Died:
Photocopy of identity by showing the original identity in the form of:
1. Identity documents of parties who have family relations or heirs of the debtor:
a. ID card for family/heirs of Indonesian citizens
b. Passport for foreign family/heirs
2. Documents that explain the death of the Debtor issued by the authorities (Death Certificate / Death Certificate)
Business Entity Debtors:
Photocopy of the identity of the business entity that has been legalized and the identity of the management by showing the original identity of the business entity in the form of:
1. Identity document of the Director of the Business Entity:
a. KTP for Indonesian Director
b. Passport for Foreign Director
2. Business entity's Taxpayer Identification Number (NPWP)
3. Deed of Establishment of a Business Entity
4. The last articles of association of the business entity which contain the composition and authority of the management
5. In the event that the request for debtor information is authorized, documents numbers 1 to d. 4 are equipped with:
a. Original power of attorney accompanied by the wet signature
b. Power of attorney's identity document:
i. ID card for Indonesian citizens
ii. Passport for foreign authorized recipients
How to Check OJK SLIK Online
Unlike the way to check OJK SLIK offline, it cannot be authorized to check OJK SLIK debtor information online. This means that you can only access the information for your own personal needs. Regarding the requirements needed, it is also slightly different from checking OJK SLIK offline. Check out the difference.
Check OJK SLIK Online at OJK Head Office
1. Visit the website SLIK OJK Registration to register
2. Complete the information on the Type of Applicant, Date of Service, and OJK Office in the column provided. Next, select the available queue hours. If the available time on the service date is full, you can choose the next day as long as there is still a queue slot available. Then, click Next.
Online OJK SLIK service queue hours:
a. 08.00 – 09.00
b. 09.00 – 10.00
c. 10.00 – 11.00
d. 11.00 – 12.00
e. 13.00 – 14.00
f. 14.00 – 15.00
3. Next, fill in the information on the personal data of the SLIK applicant in the provided column properly and correctly according to the attached identity. Fields that must be filled in include Full Name, NIK, Place, Date of Birth, Gender, Telephone Number, Email, and Address.
4. Still on the same page, it's time for you to upload a photo/scan of the original required documents according to the application submitted.
Individual Debtor Documents:
Photocopy of identity by showing original identity in the form of:
a. ID card for Indonesian debtors.
b. KTP for foreign debtors.
Debtor Documents Who Have Died:
Photocopy of identity by showing original identity in the form of:
a. Identity documents of parties who have family relations or heirs:
i. ID card for family/heirs of Indonesian citizens.
ii. Passport for foreign family/heirs.
b. Documents that certify the death of the Debtor issued by the authorities (Death Certificate / Death Certificate).
c. Documents showing family ties such as Family Card Birth certificates or Certificate of Heirs.
Business Entity Debtor Documents:
Photocopy of the identity of the Business Entity that has been legalized and the identity of the management by showing the original identity of the Business Entity in the form of:
a. Identity document of the Director of the business entity:
i. KTP for Indonesian Director
ii. Passport for Foreign Director
b. Business entity's Taxpayer Identification Number (NPWP).
c. Deed of Establishment of a Business Entity.
d. The last Articles of Association of the business entity which contains the composition and authority of the management.
After completing the required documents completely, check the approval column, fill in the captcha, then click Submit.
5. Step 5 is that you will receive proof of registration for the online SLIK queue via the email you have registered.
6. The OJK will then check the validity of the data that has been inputted by the SLIK Applicant. If the data that has been provided is correct, you will receive a validation email from OJK no later than H-3 from the selected queue date.
7. Verify Whatsapp to the phone number listed in the validation email with a time span of H-3 to d. D-1 from the selected queue date, by sending the following documents:
a. Photo/scan of the completed form with the name of the biological mother and the signature in 3 parts in the column provided.
b. Selfie photo of the SLIK Applicant holding an identity document.
OJK will carry out further verification via Whatsapp and make video calls if needed.
8. If the SLIK Applicant has completed all the completeness properly and correctly and has gone through the verification process, the SLIK Applicant will receive the iDeb (Debtor Information) results via the registered email.
If a BFI friend encounters problems or has questions when applying for an OJK SLIK, you can contact the contact center provided by the OJK as follows:
a. Phone: 157
b. Email: consumer@ojk.go.id
c. Whatsapp: 081-157-157-157
Check OJK SLIK Online at the OJK Regional Office
If your area of residence is far beyond the reach of the OJK Head Office, you can still apply online through your local OJK Regional Office. For more detailed information, you can access the following link: Procedure for Requesting Information on KR OJK Debtors.
How to get out of the OJK SLIK Blacklist
Having a bad credit score is not the dream of many people. You need to be vigilant if you have a credit score of 3 to 5. If you have a bad credit score, you will be included in the OJK SLIK blacklist which will make it difficult for you to apply for loans or credit at other financial institutions.
Here's how someone can get out of the OJK SLIK blacklist:
- Pay off all debts or credit installments and loans that are in arrears. If someone is in a condition of having debts that are in arrears, the Financial Institution will judge that the person has already taken on too much debt and is predicted to be unable to pay off the new debt.
- After paying off debts or installments that are in arrears monitor your OJK SLIK whether it has changed for the better. If there are no changes, you can file a complaint with the Financial Institution that you use as a place to apply for credit or loans.
- Confirm to the OJK if you have paid off the debt in arrears by bringing a letter of explanation or clarification from the Financial Institution where you apply for your credit or loan. Then, monitor again whether your OJK SLIK score is clean and changing for the better.
A good credit score, of course, will have a positive impact on many things. Therefore, always have a mature financial plan, BFI friends!
This is the presentation of information about what OJK SLIK is and how to check OJK SLIK offline or online. With the OJK SLIK, it is hoped that it will increase public awareness of the importance of good and correct financial planning. For financial service providers, of course, OJK SLIK is very helpful in analyzing the feasibility of providing credit or loans to debtors. I hope this article helps, BFI pal. Always keep your credit score by applying for credit or loans according to your needs and abilities. If you are in need of a loan for business capital, investment, education costs, wedding expenses, and so on, you can still apply for it to BFI Finance, BFI Friend! Enough with a vehicle BPKB guarantee or a House Certificate, you have the opportunity to get a cash loan with various ceilings and low-interest rates. Always trust your financing through BFI Finance. BFI Finance, the Solution for All Your Financial Needs!
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