SLIK OJK (Financial Information Service System by the Financial Services Authority) is basically a system that keeps track of your credit history. From bank loans, leasing, to any other installments. Think of it as your “financial report card” that lenders use to decide whether you’re eligible for a loan or not.
If your report looks good, your application has a higher chance of approval. But if you’ve got a history of missed payments… well, that’s definitely a red flag.
Why Is Your Credit Score Important?
Let’s say you’re applying for a motorcycle loan. The bank or leasing company will want to know:
All those answers can be found in SLIK OJK. That’s why a clean credit score = better chances of getting approved.
How to Check Your Credit Score in SLIK OJK
In the past, people knew this as BI Checking. Now it has been replaced with SLIK OJK, and the process is much simpler. You can check it in two ways: offline or online.
Offline (Visit the OJK Office):
Online (More Convenient):
Processing usually takes a few business days—so patience is key.
Tips to Keep Your Credit Score Healthy
Remember, a solid credit score not only makes it easier to get loans—it also shows that you’re trustworthy when it comes to managing money.
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