4 Things You Need to Know about OJK's SLIK
4 Things You Need to Know about OJK's SLIK
When aiming to expand business, entrepreneurs usually need more capital. To seek the appropriate capital, entrepreneurs often look for loans. The Financial Services Authority or commonly known as OJK has a Financial Information Services System (SLIK) that facilitates loan applications. Through OJK's SLIK, entrepreneurs hope to improve their businesses.
So, what is OJK's SLIK? What are its benefits, and how do you check OJK's SLIK? The article below helps you understand these details in more depth.
What is OJK's SLIK?
In general, OJK's SLIK is an information system managed and under the responsibility of OJK. Its purpose is to carry out financial information service and supervision tasks. One of its service tasks is providing debtor information (iDeb).
To expand its market target, SLIK also targets banking institutions, financing institutions, and non-banking financial institutions that have access to debtor data and are obligated to report debtor data to the Credit Information System (SID).
There are many functions users can benefit from when using OJK's SLIK, such as providing data for both financial and non-bank financial institutions. Additionally, SLIK also provides collateral data, fund provision facilities, reporting data, and data for the Credit Information Management Agency (LPIP).
The presence of SLIK is expected to provide solutions for entrepreneurs when applying for loans. Additionally, it can minimize the number of problematic or Non-Performing Loans (NPL).
4 Things about OJK's SLIK
There are several things you need to know about using OJK's SLIK, including:
- Free of Charge
Any procedures related to SLIK are free of charge. Be cautious if there are individuals or groups claiming to be from OJK requesting funds as a service fee for information or data processing. - Fast
The processing is relatively fast, taking only 20 minutes. 15 minutes for printing with iDeb explanation, and 5 minutes for printing. - Not Represented
It's advisable not to delegate requests for information to SLIK. This is done to protect privacy. However, if representation is necessary, a power of attorney with a Rp10,000 stamp duty, the original debtor's ID, and the original ID of the authorized recipient must be prepared. - Prepare Identification Cards
For Indonesian Citizens (WNI), only an ID card is required, while for Foreign Citizens (WNA), a passport for individual debtors is required. For businesses, a copy of the business entity's identification and the identification of the management with the original ID of the authorized recipient is needed.
Benefits of OJK's SLIK
There are two benefits of OJK's SLIK that you need to know:
For Creditors
- Assisting creditors in analyzing and making decisions when taking out credit.
- Assisting in assessing the credit reputation of potential debtors.
- Lowering the level of future problematic or default loans.
- Operational cost efficiency for creditors.
- Obtaining transparency in credit management.
- Minimizing dependence on reporters or credit service providers.
For the Public
- Encouraging the public to maintain credit reputation, which is needed when applying for credit in the future.
- New users will have wider access to credit service providers.
- Saving time in getting credit approvals.
How to Check OJK's SLIK Online
After understanding what OJK's SLIK is and its benefits for both borrowers and the public, you need to know how to check it. For those who want to apply for credit, this information will be important and useful. Follow these steps carefully:
- Open the OJK Consumer Page
Firstly, you need to open the https://www.konsumen.ojk.go.id/MinisiteDPLK/Registrasi - Choose Financial Information and Queue Date
Next, select the type of debtor financial information and the queue date. Then, choose the applicant type, service date, OJK office location, and queue time. - Fill in Personal Data Clearly and Completely
Fill in all required personal data from name, home address, to email address. Provide clear, honest, and complete information. - Upload Document Scans
Upload scans of all required documents such as ID/passport for individuals. However, for businesses, you need the ID of the management, Tax ID, and proof of incorporation. - Wait for Registration Confirmation
After completing the data, wait for the registration confirmation, which will be sent by OJK via email. - Complete Personal Data
If contacted via email, complete your personal data again. Sign three times and attach a selfie while holding your ID, then send it to OJK's WhatsApp number. - Pass Verification
If you pass, you will receive verification via WhatsApp, and OJK will send the SLIK iDeb results.
Once you understand what OJK's SLIK is, its benefits, and how to check it, you can apply for a loan to start your business. If you work in a financial institution, checking the credit score of potential borrowers is important. Use Brick to connect with digital financial services. Utilize Brick's loan service solutions to make the checking process easier and faster. ***
