Do paylater services show up in SLIK OJK?

Yes. All OJK-licensed paylater providers (Kredivo, Akulaku, GoPay Later, ShopeePayLater, Traveloka PayLater etc.) report to SLIK monthly.

How long is data stored in SLIK OJK?

Problematic records are stored for 5 years after full repayment. Good-standing records remain as long as the facility is active or recently closed.

Can I ask for my SLIK data to be deleted?

Not if it is accurate. You can only dispute incorrect data (e.g. a loan that isn't yours) via OJK 157 or the reporting institution.

Is checking SLIK via Skorlife safe?

Yes. Skorlife is registered and supervised by OJK. Your data is encrypted and not shared with third parties without your consent.

Can my employer see my SLIK record?

Not directly. Financial-sector companies may ask candidates to voluntarily share a Skorlife or iDebKu screenshot as part of a background check, but they cannot pull the data themselves.

SLIK OJK: Indonesia's Credit Information System Explained

What is SLIK OJK?

SLIK (Sistem Layanan Informasi Keuangan — Financial Services Information System) is the OJK database that records every Indonesian borrower's credit history. It replaced BI Checking in January 2018 and now covers banks, multifinance companies, cooperatives and licensed P2P lenders. Every credit application at a licensed institution is checked against SLIK. You can view your own data free via Skorlife or OJK's iDebKu portal.

BI Checking vs SLIK OJK — What Changed

Since 1 January 2018, OJK has taken over Indonesia's credit information system from Bank Indonesia. The scope and coverage have expanded significantly.

Aspect	BI Checking	SLIK OJK
Managed by	Bank Indonesia	Otoritas Jasa Keuangan (OJK)
Active since	Before 2018	January 2018 – present
Official name	SIDS / BI Checking	SLIK OJK
Data covered	Bank credit only	Banks + multifinance + P2P + cooperatives
Self-check method	Not available (bank only)	iDebKu OJK or Skorlife
Check via Skorlife	—	✅ Available

Although the official name is now SLIK OJK, most Indonesians still call it "BI Checking" out of habit. Both terms refer to the same underlying credit record.

Who Can Access SLIK OJK Data

Access to SLIK OJK is strictly regulated. Not everyone can pull your file — only entities licensed and supervised by OJK.

Yes — can access

Borrowers themselves (Skorlife / iDebKu)
OJK-licensed banks & financial institutions
Licensed multifinance & P2P lenders

No — cannot access

Non-financial companies (including employers)
Other individuals (spouse, family, employer)
Third parties without OJK licence

What SLIK OJK Records

All active credit facilities — mortgages (KPR), personal loans (KTA), car loans (KKB), credit cards, multi-purpose loans.
Paylater instalments — Kredivo, Akulaku, GoPay Later, ShopeePayLater, Traveloka PayLater, Home Credit, etc.
Collectibility status — the 1–5 code showing how promptly you pay each facility.
24-month payment history — a rolling window of on-time, late, or missed payments.
Credit limits & balances — approved amounts, outstanding balances, and settlement history.
Inquiry log — every licensed institution that has pulled your file in the last 12 months.

How to Check SLIK OJK

Via Skorlife (fastest)Download the app, verify your ID in ~2 minutes, view your SLIK data instantly.
Via iDebKu OJKRegister at idebku.ojk.go.id, upload KTP, wait 1–3 business days for an email with your PDF report.
Via your bankSome banks provide a SLIK printout on request for existing customers; usually free, sometimes with a small admin fee.

Check SLIK OJK via Skorlife →

SLIK OJK