Understanding OJK's SLIK: Uses, Benefits, and How to Check

2026-07-09T08:02:00.000000Z
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Understanding OJK's SLIK: Uses, Benefits, and How to Check

You've probably heard the term BI Checking quite often in the banking world, especially when applying for a loan. Did you know that as of January 1, 2018, BI Checking, or the Debtor Information System (SID), will no longer be used?

Services related to BI Checking/SID have been transferred from Bank Indonesia to the Financial Services Authority (OJK), under the name Financial Information Services System (SLIK). Let's take a look at the full discussion about SLIK.

What is SLIK? 

SLIK is an information system whose management aims to carry out financial information monitoring and services, one of which is the provision of debtor information (iDeb). According to OJK Regulation No. 18/POJK.03/17, Slik functions to support the implementation of supervisory duties and information services in the financial sector. 

With SLIK, iDeb's scope is further expanded to include banks, financing institutions, and non-bank financial institutions that have access to debtor data and are required to report debtor data to the Debtor Information System (SID).

Slik's Uses 

According to the OJK website, SLIK is used to report funding facilities, collateral data, and other related data from various types of financial institutions, the public, the Credit Information Management Institution (LPIP), and other parties.

The use of SLIK is also expected to simplify the loan application process for the public. Furthermore, SLIK is also expected to minimize the number of non-performing loans (NPLs).

Benefits of SLIK

As a critical infrastructure in the financial services sector, SLIK can be used by industry players to mitigate risks, particularly credit risk, thereby helping to reduce the risk of non-performing loans and expand access to credit/financing. Meanwhile, for the public, SLIK can be used to access banking credit data such as basic debtor data, credit limits, outstanding balances, credit quality, interest expense, installment payments, and fines or penalties. The following are detailed benefits of SLIK:

  • Benefits of SLIK for creditors

    1. Helps accelerate the analysis and decision-making process for granting loans.
    2. Reduces the risk of future non-performing loans.
    3. Can reduce or minimize the dependence of reporters or lenders on conventional collateral.
    4. Lenders can assess the credit reputation of prospective borrowers as a substitute for/supplement to collateral.
    5. Operating cost efficiency.
    6. Encourages transparency in credit management.

  • Benefits of SLIK for the public

    1. Speeds up the time required to obtain credit approval.
    2. New customers, especially those classified as Micro, Small, and Medium Enterprises (MSMEs), will gain broader access to lenders by leveraging their financial reputation without having to rely on their ability to provide collateral.
    3. Encouraging borrowers to maintain their credit standing

 

Things You Need to Know About SLIK

Before you use SLIK services, there are several things you need to know:

  1. Free

SLIK services are free and there are no fees. If you want to use SLIK services, be wary of fraud if you are asked to pay.

  1. Fast

The process of using SLIK services is relatively fast. According to the Financial Services Authority (OJK), the SLIK service takes 15 minutes (5 minutes for printing and 10 minutes for printing, with iDeb explaining).

  1. It's Best Not to Have a Representative

 For those of you who want to use SLIK services, the OJK does not recommend having a representative. It's best to come in person or process the SLIK service yourself. However, if you are unable to attend the SLIK service in person, you can create a power of attorney, complete with a stamp, the debtor's original ID card, and the authorized person's original ID card.

  1. Original Identity Card

The last thing you need to consider when using the SLIK service is your original identity card. If you wish to use the SLIK service as an individual and are an Indonesian citizen, you will need to prepare your original ID card. Foreign citizens will need to prepare a passport. Business entities must bring photocopies of their business entity ID and the management's ID, along with the original business entity ID.

How to Check SLIK

There are two ways to check SLIK provided by the OJK: walk-in (offline) and online.

  • How to Check SLIK Walk-In (Offline)

To check SLIK in person (offline), you can follow these instructions:

  1. You can visit your local OJK office (Head Office or Regional OJK Office implementing the OJK iDebku service) and bring the required documents for the SLIK Debtor Information application, including:

Individual Debtors

  1. Bring a photocopy of your identification and show original identification, such as:
  2. KTP (National ID card) for Indonesian citizens or passport,
  3. Power of attorney and original ID of the applicant if you are the authorized representative for SLIK information from the principal.

Deceased Debtors

Bring a photocopy of your identification, along with the original proof of identification, in the form of:

  1. Heirs' identification (KTP for Indonesian citizens or passport for foreign nationals).
  2. Document of the debtor's death issued by the authorities.
  3. Documents showing family relationships or heirs.

Business Debtors

Bring a photocopy of your business entity's identification and management's identification, along with the original proof of identification, in the form of:

  1. Management's identification (KTP for Indonesian citizens or passport for foreign nationals).
  2. Business Entity Taxpayer Identification Number (NPWP).
  3. Business Entity Deed of Establishment.
  4. Most recent amendment to the business entity's articles of association.
  5. In the event of a change in the business entity's name, you must bring a document documenting the amendment to the articles of association containing information regarding the change in the business entity's name.
  6. If authorized, bring a letter of reason and the applicant's original proof of identification.
  1. Complete the debtor information request form via the website idebku.internal.ojk.go.id.
  2. The OJK will verify the suitability of the form and supporting documents. If the requirements are met, the OJK will retrieve the debtor's information.
  3. The results will be sent to the applicant's registered email address.

  • How to Check SLIK Online

To check OJK's SLIK online, follow these steps:

  1. Open the website idebku.ojk.go.id. then click the "Registration" menu.
  2. Check service availability by filling in all the fields on the page, then click "Next."
  3. Fill out the registration form completely and correctly, then click "Next," then upload your identification and a photo of yourself.
  4. Attach the following documents:

a. Individual Debtor

i. KTP (Indonesian National ID Card) for Indonesian citizens or Passport (for foreign nationals)

b. Business Entity Debtor

  • Management ID (KTP for Indonesian citizens or Passport for foreign nationals)
  • Business Entity Taxpayer Identification Number (NPWP)
  • Deed of Establishment/First Articles of Association
  • Latest amendment to the Articles of Association indicating changes in the management of the business entity.
  • If there is a change in the name of the business entity, you can attach a document amending the articles of association containing information regarding the change in name, along with the latest document amending the articles of association.

c. Debtor's Death

  • Heirs' ID (KTP for Indonesian citizens or Passport for foreign nationals)
  • Debtor's death document issued by the authorities
  • Documents showing family relationships/heirs.
  1. Review all data and documents attached to the registration before completing the registration, then click "Submit Application."
  2. If the registration is successful, the OJK will send an email containing the registration number.
  3. You can check the application status in the "Service Status" menu by entering the registration number.
  4. The OJK will process the iDeb application and send the iDeb results via the applicant's email no later than one business day after registration.

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