JAKARTA - Every time you apply for credit, both online and offline, there are many conditions that must be met by prospective customers. This is a material for consideration of the eligibility of prospective customers to get a loan or credit. One of the considerations for the feasibility of prospective customers is BI Checking.
About BI CheckingBI Checking is a data or information containing the history of individual debtors. Based on this history, it will be recorded whether or not the debtor makes credit payments when they are due each month.
Good BI Checking is very important so that prospective debtors can apply for loans or credit. In fact, many people are also disappointed when their credit applications are rejected by the bank because of BI Checking problems.
Currently, BI Checking is managed by the Debtor Information System (SID) by Bank Indonesia. Credit history in BI Checking is measured based on credit activity on a scale of 1 to 5.
Col 1 (current credit): if the debtor is able to settle his obligations to pay installments without any arrears. Col 2 (credit under special mention): if the credit is in arrears of approximately 1-2 months. Col 3 (non-current credit): if the credit is 3–4 months in arrears. Col 4: credit is past due in 5–6 months. Col 5: bad credit if the arrears are more than 6 months and it remains inactive even though it has been tried several times.Any data owned by the debtor will be stored in the SID. This is so that when there is a BI Checking application, the information processed by the SID will be given to the Credit Information Bureau.
Therefore, if you have applied for credit and will apply again, you should check BI Checking first.
How to Check BI Checking Via HPEveryone can apply for BI Checking. You don't have to come to the bank or OJK office because currently checking can be done online.
However, from the OJK itself, it is not clear whether BI Checking can be done through an application or via an Android or iOS cellphone. Alternatively, you should apply for an iDeb online. The method is as follows:
Open the browser on your cellphone then visit the official OJK website. Please select Registration if you have never registered as an OJK member. Fill in the data completely. Don't forget to select the queue. When finished, select Continue and then follow the next steps. If so, you will receive an email from OJK.That was the discussion about BI Checking and how to check BI Checking via HP online. With current technological advances, you don't have to come to the OJK office to just check BI Checking. Hope it is useful!
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