How to Get an OJK SLIK Report and Understand Your Credit Score

Before applying for a loan, it’s important to know how to obtain your OJK SLIK report, the service that now replaces BI Checking.

The OJK SLIK (Financial Information Service System by the Financial Services Authority) allows financial institutions to review a borrower’s credit history, including their record of installment payments.

By understanding your credit score through SLIK OJK, you can ensure a smoother loan application process and reduce the risk of rejection.

Want to know how to get your OJK SLIK report? Here’s a complete guide to help you better manage your finances and prepare for your next loan application.

How to Get an OJK SLIK Report Online

If you’re looking for a more convenient way to obtain your OJK SLIK report, you can apply online by following these steps:

Open your browser and visit konsumen.ojk.go.id/minisite/dplk/registrasi.
Fill in the required information and get your queue number.
Upload the necessary documents such as your ID card, tax ID (NPWP), and business documents (if applicable).
Complete the Captcha field and click “Submit.”
Wait for a confirmation email from OJK containing your registration proof and queue details.
OJK will verify your information and send verification results no later than two working days before your queue date.
Once verified, print the form, sign it three times, then take a photo or scan it.
Send the scanned form via WhatsApp to the number listed in the email, along with a selfie holding your ID card.
OJK will re-verify through WhatsApp, and if needed, you may be asked to do a video call.
Once approved, your iDeb SLIK report will be sent to your email.

How to Get an OJK SLIK Report Offline

If you prefer to request your OJK SLIK report offline, here are a few important things to note:

Free of charge: Getting your OJK SLIK report is completely free for individuals and businesses. Be cautious of anyone who asks for payment, as it may be a scam.
Quick process: The process typically takes around 15 minutes.
Do it yourself: For data security reasons, it’s best to handle the process personally. If you must have someone represent you, prepare a signed power of attorney and provide original identification for both parties.
Bring original IDs: Indonesian citizens must bring their ID card (KTP), foreigners must bring their passport, and businesses must provide company registration documents.

Functions of the OJK SLIK

Checking your OJK SLIK (or BI Checking) benefits both lenders and borrowers.

For Lenders

The credit check helps financial institutions to:

Simplify and speed up the loan approval process.
Encourage borrowers to maintain a good credit reputation.
Access detailed credit information such as borrower identity, loan amount, payment history, and penalties.
Review collateral status and details of credit guarantors.

For Borrowers

Meanwhile, for potential borrowers, the OJK SLIK check helps to:

Reduce the risk of bad credit.
Accelerate loan approval.
Lower operational costs associated with loan applications.
Ensure transparent and open credit management.

Overall, the information from SLIK OJK helps assess creditworthiness and minimizes the risk of problematic loans.

How to Read an iDeb SLIK Report

The iDeb SLIK (Individual Debtor Information) summarizes each person’s credit score and related data. Here’s how to read its key sections:

Search Information: Found at the top, showing keywords used for the search, such as name or tax ID (NPWP).
Basic Debtor Data: Displays key borrower data reported by lenders to OJK, matching the number of lenders providing the loans.
Owner/Administrator: Lists the owners or administrators for business entities.
Facility Summary: Shows all financial facilities obtained from various lenders.
Credit/Financing: Details each credit facility, including outstanding balance, payment quality, and number of overdue days within the last 24 months. For example, if in January 2022 a borrower had a credit score of 2 with a 30-day delay, it would appear as “2 | 30” under Jan 22.
Collateral: Lists collateral used to secure financing.
Guarantor: Describes the guarantors of the loan, excluding insurance-related guarantors.

⚠️ Note: The iDeb SLIK report is confidential and for personal use only. Keep it securely after receiving it.

Important Things to Note When Requesting OJK SLIK

You can request an OJK SLIK report as an individual or a business entity, and it’s completely free. The report is usually available within one business day.

Because of its confidential nature, it’s recommended to request your report personally. If you must send someone else, provide a power of attorney with a Rp10,000 stamp duty and attach valid identification.

Prepare the required documents: an original ID card or passport for individuals, or company incorporation documents and management IDs for business entities.

It’s also important to understand how to interpret your credit score correctly. According to OJK Regulation No. 40/POJK.03/2019 on Bank Asset Quality Assessment, BI Checking or OJK SLIK credit scores are divided into five categories:

Collectibility 1 (Current): The borrower consistently pays installments and interest on time.
Collectibility 2 (Special Mention): Indicates payment delays between 1–90 days.
Collectibility 3 (Substandard): Payments are overdue for 91–120 days.
Collectibility 4 (Doubtful): Payments are overdue for 121–180 days.
Collectibility 5 (Loss): The borrower is over 180 days late.

A good credit score reflects discipline in making payments and increases the chance of loan approval.
Conversely, a low score suggests financial issues that could hinder future loan applications.

That’s a complete explanation of how to get your OJK SLIK report and understand your credit score. By checking your credit score before applying for a loan, you can avoid rejection due to poor credit history.

Once your score looks good, you can confidently apply for financing through BFI Finance to meet your personal or business needs.

BFI Finance offers various financing options with collateral such as motorcycle BPKB, car BPKB, or property certificates (house/shop/office).

All BFI Finance services are officially licensed and supervised by the Otoritas Jasa Keuangan (OJK), ensuring a safe and transparent loan process.

Let’s achieve your financial goals now — because #SelaluAdaJalan with BFI Finance!