About Us
Information
Article ETHIS
Getting to Know OJK's Financial Information Service System (SLIK): Definition, Functions, and How It Works
Published on 27 Jun 2023
Admin Relations
Getting to Know OJK's Financial Information Service System (SLIK): Definition, Functions, and How It Works
Financial information is important for businesses, companies, and financial institutions. To facilitate and provide access to accurate and reliable financial information, Indonesia's Financial Services Authority (OJK) has developed the Financial Information Service System (SLIK).
If we previously knew BI Checking or SID (Debtor Identification System), as of 1 January 2018, BI Checking and SID have changed to the Financial Information Service System or SLIK for short and are fully managed by OJK.
Definition of SLIK OJK
OJK's Financial Information Service System (SLIK) is a platform developed by OJK to collect, store and facilitate the exchange of financial information between financial institutions and OJK. SLIK OJK serves as a means to access the financial information of both individuals and companies in an integrated manner and provides better quality assessment and risk management of the financial industry.
Functions of SLIK OJK
Financial Data Recording
SLIK OJK is the central repository of financial data of companies operating in the financial sector. Through this system, financial institutions can upload financial reports regularly and accurately.
Monitoring and Supervision: OJK uses SLIK to monitor the performance of financial institutions, analyze risks and identify potential problems. This enables OJK to conduct more effective supervision of the financial industry.
Risk Assessment
OJK's SLIK also plays a role in the risk assessment of financial institutions. Using the data available in the system, OJK can better evaluate the risks of financial institutions and take appropriate preventive measures.
Reporting and Transparency
SLIK OJK facilitates financial reporting and transparency in the financial industry. Financial institutions can quickly produce financial reports and submit the necessary information to OJK.
How SLIK OJK Works
You need to understand several things before utilizing OJK's Idebku SLIK Service. Firstly, SLIK OJK is Free. SLIK OJK services are free of charge. Second, Fast. The whole process takes approximately 15 minutes. Third, it is better not to be represented. This is recommended so that personal data remains confidential. Lastly, Prepare Original Data Documents. For Individual Debtors, it is required to include a KTP for Indonesian Citizens (WNI) or a Passport for Foreign Citizens. For Business Entity Debtors, you can consist of original documents and photocopies of business entity identity and management identity.
After understanding this, there are two ways to utilize OJK's Idebku SLIK service
Offline:
a. SLIK applicant physically comes to the local OJK office.
b. Bring the SLIK Debtor Information application requirement documents as attached:
Information Document Requirements.pdf
Online:
a. SLIK Applicant submits a request for Debtor Information through the OJK iDebku application on the page: https://idebku.ojk.go.id
b. The procedure for requesting online SLIK Debtor Information is attached.
Procedures for Requesting Online SLIK Debtor Information on the iDebku Application.pdf
Guidelines or procedures for reading the results of SLIK Debtor Information are as follows:
Procedure for Reading SLIK Debtor Information.pdf
To find out more about data related to statistics on the number of Financial Information Service System (SLIK) services, users can download the following file:
OJK SLIK Statistics - May 2023.xlsx
For further information, you can contact OJK 157 or visit the OJK website at www.ojk.go.id.
OJK's Financial Information Service System (SLIK) is an important platform for collecting, storing, and facilitating the exchange of financial information between financial institutions and OJK. Through SLIK OJK, OJK can monitor and supervise the performance of the financial industry, analyze risks, and improve transparency and financial reporting. With the OJK SLIK, it is expected that system users and related parties can gain a better understanding of the importance of the Financial Information Service System provided by OJK.
Source:
https://sikapiuangmu.ojk.go.id/FrontEnd/CMS/Article/10422
https://ojk.go.id/id/kanal/perbankan/Pages/Sistem-Layanan-Informasi-Keuangan-SLIK.aspx
PT. ETHIS FINTEK INDONESIA
Rukan Puri Mansion block B no. 7 Outer Ring West Kembangan Street, RT.2/RW.1, South Kembangan, Kembangan District, Special Capital Region of Jakarta 11610
Customer Service: support@ethis.co.id
Operational Hours: 09.00 - 18.00 WIB
Licensed & Supervised By
Part Of:
Tersertifikasi:
Protected By:
Notes:
1. Tech-based Islamic Financing service (P2P Financing) is a civil agreement between Funder and Beneficiary, in which all risks are charged to all parties.
2. Payment failure is charged to the Funder, except for fraud case and mismanagement. Beneficiaries are imposed if fraud and mismanagement happens as in Risk Sharing terms based on Islamic Principles. There is no national institution or authority that is responsible to financing risk or payment failure or compensating on any parties including loss, failures, fees or consequences after.
3. The platform with agreement from all respective users (funders and/or beneficiaries) accesses, gains, stores, manages and/or uses users’ personal data (Data Utilization) on or in the objects, electronic devices (including smartphones or cellular phones), hardwares or softwares, electronic documents, applications or electronic systems belong to Users or managed by Users, upon the information of aims, limitations and mechanism of Data Utilization to the Users before the approvals.
4. Funders with limited knowledge on this financing are suggested not to use this service.
5. Beneficiaries are obliged to consider return rates/margin/service fee and other fees according to the ability to repay the financing.
6. Each fraud is recorded electronically in cyberspace and easily recognized by public through social media.
7. Users should read and understand this information before deciding to be a Funder or Beneficiary.
8. Government as in this case is Otoritas Jasa Keuangan (OJK) / Financial Services Authority is not responsible for violation or disobedience of users, Funder and Beneficiary (intentionally or unintentionally) against terms and conditions or agreement or attachment between the platform and Funder and/or Beneficiary.
9. Each transaction and financing activities, funding, financing or enforcement agreement regarding financing between or involves the Platform, Funder, Field Partner and/or Beneficiary should happen through escrow account and virtual account as stated in OJK regulation No. 77/POJK.01/2016 about Tech-Based Financing Services.
