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Let's Find Out What is BI Checking

30 Mar 2022

Illustration of BI Checking

If you feel you need additional costs to buy a house, vehicle, or various other important needs, then borrowing from a bank is one solution you can consider. When you want to borrow credit from a bank, a BI Checking process will be carried out. What is BI checking? Why is this process necessary? Let's find out the answer to this question through a variety of useful information below.

What is BI Checking?

When applying for Unsecured Loans (KTA), Home Ownership Loans (KPR), or credit cards, the party applying will go through the BI checking process, namely checking the Historical Individual Debtor Information (IDI), which records the current or non-performing credit payments.

This information is included in the Debtor Information System (SID), which has now changed its name to the Financial Information Service System (SLIK) because it has shifted supervision from BI to OJK.

Information on credit history of banking customers and other financial institutions is known as debtor information service (iDEB). Here, banks and financial and financial institutions will have access to debtor data, and are obliged to report debtor data to the Debtor Information System (SID).

BI Checking or Historical IDI will store the identity of the debtor, owner and management, facilities for providing funds or financing received, collateral, guarantor, and collectibility. Various information from BI Checking can be accessed by members of the Credit Information Bureau 24 hours a day.

BI Checking Credit Score

Debtor customers will be given a score based on collectibility records. The details of this score are:

• Score 1: Current Credit, meaning that the debtor always fulfills his obligations to pay the installments every month along with the interest until it is paid off without ever being in arrears.
• Score 2: TPF Credit or Credit in Special Mention, meaning that the debtor is recorded to be in arrears on credit installments for 1-90 days
• Score 3: Non-current Credit, meaning that the debtor is recorded to be in arrears on credit installments 91-120 days
• Score 4: Doubtful Credit, meaning that the debtor is recorded to be in arrears on credit installments 121-180 days
• Score 5: Bad Credit, meaning that the debtor is recorded to be in arrears on credit installments for more than 180 days.

Prospective debtors who have a score of 3, a score of 4, and a score of 5 will be included in the BI Checking blacklist. The bank assesses that prospective debtors who have this score will experience problems or commonly referred to as non-performing loans (NPL). The NPL indicator is very useful for banks, because it can show which banks are healthy or not. The presence of this NPL can hinder banks from providing credit in the future because the capital does not get return the desired

For a score of 2, the bank will consider it something that still needs to be watched. This is because prospective debtors may experience NPLs. For those who get a score of 1, the bank will process the credit they want to use. Score 1 is the type of debtor preferred by the bank.

Procedure for Viewing BI Checking

The public can also access this information to view their credit records. There are two ways that can be done. Come directly to OJK or view it online.

Come to the OJK Office

• Prepare KTP for Indonesian Citizens (WNI) or Passport for Foreign Citizens (WNA). For business entity debtors, they are required to bring a photocopy of the identity of the business entity and the identity of the management 
• . Come to the OJK office and fill out the SID application form.
• If the documents are complete, then OJK officers will print the iDEB results.

View Online

• Visit the SLIK application page
• Fill in the form and queue number
• Upload scanned photos of the required documents. KTP for Indonesian citizens and passport for foreigners. For business entities, it is required to attach the identity of the management, NPWP, and the deed of establishment of the company.
• Wait for the confirmation email from the OJK 
• data will be verified, then the applicant will receive a notification from the OJK in the form of an online SLIK queue no later than H-2 from the date of the
• customer's queue then print or print the form on the email and sign 3 times
• . Photo or scan of the signed form to the WhatsApp number listed in the email along with a selfie by showing your ID card
• . Next there will be further verification via WhatsApp and make video calls if needed
• . If you pass the verification, the iDEB SLIK results will be received via email.

That's information about what BI Checking is. Hope this helps you. If you want to apply for credit to meet certain needs, OK Bank is ready to help. Enjoy online bank loan with advantages in utility, tenor structure, direct or indirect loans, special financing for certain customer profiles, and guarantees. Visit our website for more information.