Purbaya Reveals It's Not 110 Thousand, Only 100 People Are Constrained By SLIK For KPR

The Minister of Finance of the Republic of Indonesia, Purbaya Yudhi Sadive. (Photo: Doc. Antara)

Minister of Finance Purbaya Yudhi Sadives revealed that he had traced the data of people who had difficulty applying for Home Ownership Loans (KPR) through the Public Housing Savings Management Agency (BP Tapera), due to a note on the Financial Information Service System (SLIK).

Purbaya said that after further investigation, the number of people who were completely hampered by SLIK turned out to be far less than previously thought.

"I previously promised that if they (debtors) were clear, I would go to the OJK to ask for it to be cleared. But it turns out that after being examined it's not that much, there aren't 110 thousand," he told the media crew, Tuesday, October 21.

According to him, only about 100 people were really constrained by the records on SLIK. While most of them failed to apply for a mortgage due to various other factors outside the record.

100 people (SLIK constraints) about my guess. So there is a miscalculation, maybe in the first place, they think it's all just because of SLIK, apparently there are other things that have an effect. And what's below Rp1 million (suspension) is also not as much as previously claimed," he said.

Purbaya emphasized that removing records from SLIK was not the main solution to overcome the low demand for mortgages.

He said that the Chairman of BP Tapera would later discuss with developers to discuss potential market needs that had not been met.

"So it seems that the removal of his name from SLIK will not solve the demand problem for housing. Later the Head of Tapera will discuss again with potential demand developers who are still unable to be served at this time," he said.

However, Purbaya remains optimistic that by the end of 2025 there will be an increase in the number of new home buyers, which could provide an impetus to domestic economic growth.

Previously, the Chief Executive of the Behavior Supervisory of Financial, Educated, and Consumer Protection Business Actors of the OJK, Friderica Widyasari Dewi stated that her party had requested data on around 100,000 people who were said to be constrained by SLIK to the Chairman of BP Tapera.

"We will always support the government's program, especially in terms of what is associated with 3 million houses. Regarding this SLIK, yesterday we asked Mr. Heru, Chairman of the Tapera Committee, he said there were 100 thousand, yes, we ask that the data be submitted to us," he said in a media gathering, Saturday, October 18, 2025.

He emphasized that the existence of records in SLIK is not the only determining factor in the process of lending by banks and every financial institution has its own risk management system to assess the feasibility of borrowers.

"But even if, for example, after seeing it, for example, there is collectibility 2, 3, 4, 5, yes, it means that there is a non-current collectibility if the bank wants to give it, please stick with the risk management that has been calculated by them. So there is already a very clear appeal that it is not a determinant, so it is all returned to the banks," he explained.

Previously, Purbaya also emphasized that the discourse on eliminating small debts was an initiative of the Minister of Housing and Settlement Areas (PKP) Maruarar Sirait.

He explained that the Minister of PKP received many complaints from low-income people who could not access Home Ownership Loans (KPR) because they were blacklisted due to bad credit with small value.

"He said there is a demand that out of a few hundred thousand people cannot enter because they are still blacklisted because they have loans that have not been paid or are considered bad credit. If you want to pay, that's okay, it's okay (not abolished)," he explained.

Furthermore, he assessed that the financial burden that must be borne by the developer is not large and still reasonable, considering that they will also get a new project as a return. However, Purbaya ensured that it would check the truth of the claim.

"He said he wanted to pay the developer, at least a few billion. But after that the developer got a new business. Mr. Ara said, even the developer wanted to pay. I will investigate properly. It's not really like that, if it's really easy, it's already paid, it's finished," he said.