JAKARTA, KOMPAS.com – Not everyone can get a loan from a bank or other financial institution easily. Sometimes, there is someone who can seamlessly get approval credit banking, but on the contrary for some people it is very difficult to get a loan.
One of the determinants of a person successfully getting credit approval from a bank or other financial institution is BI checking.
Then what is BI checking?
BI checking is the most frightening specter for banking debtors. This is because banks will tend to reject credit applications submitted by debtors if they have a bad credit history.
BI checking itself is a credit history information service in the Debtor Information System (SID), where customer credit information is exchanged between banks and financial institutions.
The information exchanged in the SID includes the identity of the debtor, collateral, owner and manager (business entity) who is the debtor, the amount of financing received, and history of credit installment payments, and bad credit.
Every bank and financial institution registered with the Information Bureau Credit (BIK) can access all information on SID, including BI checking or historical IDI.
BIK members provide customer data to BI every month. The data is then collected periodically by BI and integrated into the SID system.
Quoted from the official website of the Financial Services Authority ( OJK), Sunday (22/11/2020), SID has changed its name to Financial Information Service System or SLIK.
This name change because the banking oversight function is no longer in BI, but is left to the OJK.
Inside SILK, there is a credit history information service for banking customers and financial institutions called the debtor information service (iDEB).
In iDEB, banks, financial institutions and other financial institutions have access to debtor data and are required to report debtor data to the Debtor Information System (SID).
SID contains information where every debtor customer who has applied for credit will be given a score based on his credit record. Score 1 is the best score where the debtor has never had a record of delinquent credit, both principal and interest installments.
Following are the details of the credit score on SID:
- Score 1: Current Credit, meaning that the debtor always fulfills his obligation to pay installments every month and the interest is paid off without ever being in arrears
- Score 2: DPK Credit or Credit in Special Mention, meaning that the debtor is recorded in 1-90 days in arrears
- Score 3: Non-Current Credit, which means that the debtor is recorded as being in arrears in credit installments of 91-120 days
- Score 4: Doubtful Credit, which means that the debtor is recorded in 121-180 days in arrears in credit installments
- Score 5: Bad Credit, meaning that the debtor is recorded in arrears of credit installments of more than 180 days
SID information can also be accessed by the public outside of BIK membership. People who know their credit record can submit SID information to the OJK office. This service is also free, aka free of charge.
Here’s the procedure how to see BI checking
- Prepare original identity cards, KTP for Indonesian citizens (WNI) or passports for foreign citizens (WNA) for individual debtors, while business entity debtors are required to bring a photocopy of the identity of the business entity and the identity of the management by showing the original identity of the business entity.
- Come to OJK offices in Jakarta and OJK representative offices in the regions
- Fill out the SID application form.
- If the documents are complete, then the OJK officer will print the iDEB results.
- Open the page https://konsumen.ojk.go.id/minisitedplk/registrasi
- Fill in the form and queue number
- Upload a scanned photo of the required documents, namely KTP for Indonesian citizens and passports for foreigners
- For business entities, it is required to provide the identity of the management, NPWP, and the company establishment deed
- If everything has been completed, click the “Submit” button after filling in the captcha fields
- Wait for the confirmation email from OJK containing proof of registration for the online SLIK queue.
- OJK will verify the data, and the applicant will receive a notification from OJK in the form of the verification result of the online SILK queue no later than D-2 from the queue date.
- If the submitted data is valid, then the customer can print or print the form on the email and sign 3 times.
- A photo or scanned form that has been signed must be sent to the WhatsApp number listed on the email along with a selfie photo showing the KTP
- OJK will verify further via WhatsApp and make a videocall when needed
- If you pass the verification, OJK will send you the SILK iDeb results via email.
- Complete information on online SILK information submission can be seen at here.