OJK Launches Enhanced Credit Information System

Transition from BI Checking to SLIK

The Financial Services Authority (OJK) has introduced the Sistem Layanan Informasi Keuangan (SLIK), a comprehensive credit information system that replaces the previous BI Checking mechanism managed by Bank Indonesia. This transition marks a significant improvement in credit monitoring services, providing individuals and financial institutions with more comprehensive credit data.

Key Features of SLIK

1. Online Credit Checking: Individuals can now check their credit history online through the official OJK website (https://idebku.ojk.go.id) without visiting physical branches.
2. Free Service: The credit checking service is provided free of charge, encouraging more people to monitor their credit status regularly.
3. Comprehensive Documentation: Users must upload required documents such as e-KTP (electronic identity card) and other relevant identification proofs.
4. Scheduled Registration: The online registration is divided into four sessions daily to manage server load effectively.

Process of Checking Credit Score via SLIK

1. Access the official iDeb OJK website at
2. Register by filling personal details and uploading required documents
3. Submit the application and receive a registration number via email
4. Track application status through the website using the registration number
5. Receive credit report via email within one business day

Impact on Financial Ecosystem

The implementation of SLIK represents a significant step forward in Indonesia's financial regulatory framework. By providing easier access to credit information, OJK aims to:

• Enhance financial transparency
• Help individuals maintain better credit scores
• Support more informed lending decisions by financial institutions
• Reduce credit-related disputes and fraud

The shift from BI Checking to SLIK demonstrates OJK's commitment to modernizing financial services and improving the overall credit ecosystem in Indonesia. Individuals are encouraged to regularly check their credit reports to maintain healthy financial profiles and improve their chances of successful loan applications in the future.