Protecting Your Identity: How to Check for Unauthorized Online Loans

The Growing Risk of Identity Theft in Digital Lending

The rise of online lending platforms has brought convenience to many Indonesians, but it has also opened up new avenues for identity theft and financial fraud. Criminals are increasingly using stolen National Identity Numbers (NIK) from Identity Cards (KTP) to apply for illegal online loans.

How to Check Your KTP NIK Status

To combat this growing problem, the Financial Services Authority (OJK) offers a simple way to check if your NIK has been misused. The OJK's Financial Information Services System (SLIK) allows you to:

1. Check online: Visit idebku.ojk.go.id to see your loan history and credit status
2. Review your credit history: Understand if your NIK has been used for any unauthorized loans
3. Take action: If you find any suspicious activity, you can take immediate steps to protect your financial identity

Why This Check is Important

• Prevents financial loss: Early detection helps prevent unauthorized loans
• Protects your credit score: Unchecked unauthorized loans can negatively impact your credit history
• Enhances security: Regular checks help maintain control over your financial identity

Steps to Check Your NIK Status Online

1. Visit idebku.ojk.go.id
2. Enter your required information
3. Review your loan history and credit status
4. Report any suspicious activity immediately

By taking these simple steps, you can significantly reduce the risk of your NIK being misused for illegal online loans.