Expand Access to Financing for MSMEs and Support the 3 Million House Program, OJK Optimizes SLIK

OJK (Photo: Antara)

JAKARTA - The Financial Services Authority (OJK) launched the optimization of the Financial Information Service System (SLIK) as an effort to expand financing access for micro, small, and medium enterprises (MSMEs) while supporting the acceleration of the 3 Million House Program.

Deputy Commissioner for Financial System Stability of the OJK, Agus E. Siregar, said that SLIK is one of the important infrastructures in the national financial system because it provides debtor information that serves as a reference for financial service institutions in the process of distributing credit and financing.

"SLIK helps financial services institutions reduce asymmetric information, strengthen risk management, and support more appropriate and responsible credit and financing decisions," he said at the launch of optimizing SLIK to support access to financing for MSMEs and accelerating the 3 million house program, Monday, July 6.

Based on OJK data, SLIK is currently used by 2,169 reporters from various financial services sectors, and the system serves an average of 31 million debtor information requests (inquiry) every month, with the highest number reaching 35.3 million inquiries in April 2026.

"This figure shows that SLIK has become a vital infrastructure for the national credit and financing ecosystem," he said.

He explained that the optimization of SLIK is aimed at achieving four main objectives, namely, first, supporting national economic development through expanding access to financing, especially for MSMEs. Second, accelerating the update of credit and financing data that have been paid off so that debtor information becomes more up-to-date.

Third, reduce the potential for public complaints due to credit facility data that has been repaid but has not been updated in the system. Fourth, strengthen the financial ecosystem through a more credible credit reporting system (credit reporting system) to maintain the stability of the financial system while improving consumer protection.

In its implementation, he added that OJK also made a number of improvements to SLIK, one of which was the acceleration of reporting credit or financing data that had been paid off or completed.

"This step is important so that people who have completed their obligations can obtain debtor information that is more appropriate with the current conditions," he said.

He added that more up-to-date data would also help financial services institutions conduct risk analysis more accurately and reduce the possibility of making decisions based on outdated information.

In addition, Agus said that OJK also adjusted the scope of debtor information displayed in SLIK and in the future, information will be focused on debtors who have an initial ceiling and a cumulative debit balance above Rp. 1 million based on the debtor's identity number.

"This adjustment is estimated to affect approximately 18 million debtors who still have a credit amount below Rp. 1 million cumulatively," he said.

He added that the optimization of SLIK is also expected to support the government's priority programs, especially the provision of decent and affordable housing through the 3 Million House Program.

Agus said that with more accurate and up-to-date debtor information, the process of assessing housing financing, including the distribution of subsidized Home Ownership Loans (KPR), is expected to be carried out faster, more accurate, and still prioritize the principle of prudence.

"In order to ensure readiness for implementation, we have carried out socialization to all SLIK reporters and the adjustment of the system at OJK has reached 100 percent readiness," he said.

In the future, he said, OJK together with all related work units and institutions will continue to monitor the implementation of SLIK optimization through monitoring the quality and timeliness of reporting, accompanied by periodic evaluations so that the benefits can be optimally felt by the public, the financial services industry, and the economy.