How To Check KTP Used For Pinjol Or Not By Others, Avoid The Rise Of Data Abuse

YOGYAKARTA - The use of other people's data without permission to apply for online loans is currently angry. One of the personal documents that is often misused secretly or illegally is the Identity Card (KTP). So how do you check your ID card using a loan or not?

Misuse of other people's ID cards for borrowing is an act of violating the law. This evil act is very detrimental to the owner of the data as a victim, either physically or psychologically. Everyone needs to know how to check ID cards are used to borrow or not to avoid this.

Some people use other people's ID cards to apply for loans without the knowledge of their owners. This is increasingly happening because of digital-based financial activities. How to check the ID card whether it is used for borrowing or not can be done by utilizing the Financial Information Service System of the Financial Services Authority (SLIK OJK).

SLIK OJK is provided to find out what information related to loans or credit is related to someone's identity. So you can check or check every loan that uses your ID card. Checks via SLIK OJK are done online via the idebku.ojk.go.id website.

To check the use of your ID card via LYK OJK, you must prepare supporting documents such as your ID card and photo with your ID card. If the document has been prepared, you can follow the following steps:

With this service, you can see in detail the information on loans or loans you have. So you can find out if your ID card is used for applying for any loan, including one for online loans.

If you find a loan that is not known or never submitted, you should immediately file a complaint and ask BI checking or LYK OJK. You can contact OJK 157 contacts by telephone 157, emailsumer@ojk.go.id or WA contact to 081157157157.

The use of other people's ID cards for borrowing is an act that violates the law. This provision has been regulated in Article 32 paragraph (1) of the Law (UU) Information on Technology Transactions (ITE) which reads:

Everyone intentionally and without rights or against the law in any way changes, adds, reduces, transmits, damages, removes, moves, hides an Electronic Information and/or Electronic Documents belonging to another person or public property.

Transmission of ID cards that are misused to make online loans on behalf of other people can be sentenced to a maximum imprisonment of 8 years and/or a maximum fine of RP2 billion. Sanctions can become more severe, considering the victim's loss, namely the person concerned, with a maximum imprisonment of 12 years or a maximum fine of Rp12 billion.

That's the information on how to check ID cards are used to borrow or not to avoid misuse of personal data. Because of the vulnerability of theft or misuse of data in this digital era, everyone needs to take care and be aware of the actions of using personal data, processed by other parties.

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