Excuse me! BI Checking has changed, this is the correct way to check

Jakarta, CNBC Indonesia – When applying for credit from a bank, one of the requirements is BI Checking, whether you apply for a Home Ownership Credit (KPR), Unsecured Credit (KTA) or a credit card.

BI Checking was previously a credit history information service in the Debtor Information System (SID), where information about customer credit would be exchanged between banks and financial institutions.

The SID contains information regarding the identity of the collateral debtor, the owner and management of the business entity that becomes the debtor, the amount of financing received, the history of the debtor’s credit installment payments as well as information about bad credit.

When the debtor has not paid off one of his loans or there are problems in arrears on loan installments, the data will be included in the BI Checking blacklist. So that they will be affected by not being able to apply for loans anymore because they do not pass the BI Checking.

BI Checking Changed to SLIK

Currently, the BI Checking or SID service has switched from Bank Indonesia to the Financial Services Authority (OJK) and changed its name to the Financial Information Service System (SLIK).

In SLIK, the credit history information service for banking customers and other financial and financial institutions is known as the debtor information service (iDEB). In the iDEB service, banks and other financial and financial institutions have access to debtor data.

In addition, they also have an obligation to report debtor data to SID. BI Checking or SLIK information can be accessed by financial institutions 24 hours a day as long as they are registered as members of the Credit Information Bureau (BIK).

How to Check BI Checking or SLIK Online

In addition to members registered with BIK, SID information can also be accessed by the public or the public. You can find out your credit record by submitting your SID information to the OJK office for free without any fees. The terms and methods are as follows:

1. Terms of Viewing BI Checking or SLIK

  • Prepare original identity cards, ID cards for Indonesian citizens and passports for foreigners for individual debtors. Meanwhile, the debtor of a business entity is required to bring a photocopy of the identity of the business entity and the identity of the management by submitting the original identity of the business entity.
  • Visiting the OJK office in Jakarta or OJK representative offices in the regions.
  • Fill out the SID application form.
  • If the documents are complete, OJK officers will print the IDEB results.

2. How to View BI Checking or SLIK Online

  • Open the SLIK application link
  • Fill in the form and fill in the queue number.
  • Please upload scanned photos of the required documents (KTP, Passport, NPWP, Company Establishment Deed, Management Identity).
  • Fill in the captcha fields and click the Submit button.
  • Wait for the confirmation email from the OJK containing proof of registration for the SLIK Online queue.
  • OJK will verify the data and the applicant will receive a notification from the OJK in the form of online SLIK queue verification results no later than H-2 from the queue date.
  • If the data submitted is valid, the customer can print the form and sign it 3 times.
  • Photo or scan of the signed form.
  • Then send it to the WhatsApp number listed in the email (complete with a selfie photo holding an ID card).
  • OJK will verify data via WA and make Video Calls if needed.
  • If it passes, OJK will send the results of the iDEB SLIK via email.

[Gambas:Video CNBC]

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