Top Reporting Companies in SLIK as of July 2023

Some companies want to obtain the track record of their employees or stakeholders. One crucial track record to investigate is their financial condition, mainly their debt history.

Debt history can be accessed through the Financial Information Service System (SLIK) managed by the Financial Services Authority (OJK).

The OJK states that this debt history information can be requested on behalf of the debtor from the OJK or from the SLIK reporter. A SLIK reporter is a company or institution that provides funding facilities to the debtor in question.

In accordance with OJK Regulation (POJK) Number 64/POJK.03/2020, SLIK reporters can only access debtor information data up to a maximum of 100% of the number of debtors reported in the two months prior. SLIK reporters can also submit requests for additional debtor information by applying to the OJK.

OJK data shows that the most frequent reporters are conventional Rural Banks (BPR). As many as 1,413 BPRs requested SLIK access in July 2023.

The second most frequent reporters are Sharia BPRs, with 170 reporters. Third are financing institutions with 147 reporters.

Fourth are securities companies (PE) with 117 reporters. Conventional commercial banks follow in fifth place with 92 reporters.

In total, the number of SLIK reporters in July 2023 reached 2,073. This figure is slightly down from June 2023, which reached 2,077 reporters.

Previously, SLIK was widely discussed after a story went viral on Twitter about five job applicants being rejected by a company due to having a red-zone debt history or collectibility 5 in their SLIK.

Collectibility is a 1-5 scale assessment used in the banking world to measure the smoothness of credit or debt payments from debtors. According to the Ministry of Finance's website, the higher the collectibility score, the higher the indication of non-performing loans.

Quoting *CNBC Indonesia*, the Executive Head of Supervision of Financial Services Business Actors' Behavior, Education, and Consumer Protection at the OJK, Friderica Widyasari Dewi, said that the failure of five fresh graduates to get jobs could raise awareness among young people not to trifle with online debt.

Especially since buy now pay later (BNPL) is connected to SLIK. This means that any outstanding debt will affect a person's track record, mainly their credit history.

SLIK will also show the debtor's credit history. This history can be accessed by entering the debtor's NIK KTP and obtaining access from the OJK.

"So, young people should be aware that they shouldn't trifle with online debt, thinking 'after that I'll change my number, they won't be able to collect it.' That's not how it works. Because if you use your KTP, everything will be recorded in SLIK," said Kiki, her nickname, as quoted on Saturday (26/8/2023).

(Also read: [Trend of Requests for Borrower Information in SLIK Has Sharply Increased Since the Pandemic](https://databoks.katadata.co.id/datapublish/2023/08/28/tren-permintaan-informasi-peminjam-dalam-slik-meningkat-tajam-sejak-pandemi))