OJK Messages To The Community to Preserve Credit Reputation
By : Herry Barus And Aldo Bella Putra | Saturday, January 06 2018 - 20:00 IWST
Ilustrasi kartu kredit. (Foto: Istimewa
INDUSTRY.co.id - Jakarta - The Financial Services Authority (OJK) advised the public to maintain its credit reputation so that in the future it can still get credit or other financing from financial service institutions.
Deputy Banking Supervisory Commission I OJK Boedi Armanto at OJK Head Office, Jakarta, Friday (5/1/2017) said credit reputation is listed on the OJK Financial Information System (SLIK) and accessible by credit service provider institutions.
"Financial services institutions can access your credit record in SLIK, so manage your credit well and wisely," he said during a discussion with media crews.
Boedi reminds people who already have credit in banks or other financial institutions to pay bills or credit installments on time.
"In addition, check regularly the accuracy of information reported by financial services institutions of credit providers in SLIK," he said.
If there are data discrepancies in SLIK with actual data, he continued, the public may clarify the matter to financial service institutions that report the data. The SLIK reporting services financial institution provides complaint services in connection therewith.
SLIK is an infrastructure in the financial services sector that industry actors can use to mitigate risks, particularly credit risk so as to help reduce the level of non-performing loan risk. In addition, the existence of SLIK is also able to support the expansion of credit access or financing.
Benefits SLIK for creditors, among others, assist in accelerating the process of analysis and decision making lending. Then lower the risk of problem loans in the future.
In addition, it may reduce or minimize the dependence of the reporting party or lender to the conventional collateral.
For debtor or general public, SLIK existence can be utilized to know banking credit data such as debtor principal data, credit plafond, debit balance, credit quality, interest expense, payment installment as well as penalty or loan penalty. SLIK can also provide information on the status of collateral as well as details of credit guarantor.
Based on OJK data As of December 31, 2017, the number of SLIK reporters from financial institutions reached 1,648 reporters with details of 102 commercial banks, 13 sharia commercial banks, 21 sharia business units, 1,324 BPRs, 139 BPRS, 32 finance companies.
Then, eight Islamic finance companies, four venture capital firms, one syariah venture capital company, three other financial services institutions, and one savings and loan cooperative. (Ant)