{"id":6556,"date":"2024-02-28T09:27:09","date_gmt":"2024-02-28T09:27:09","guid":{"rendered":"https:\/\/ppmindonesia.com\/?p=6556"},"modified":"2024-02-29T13:18:53","modified_gmt":"2024-02-29T13:18:53","slug":"bi-checking-pengertian-dan-cara-mengeceknya","status":"publish","type":"post","link":"https:\/\/ppmindonesia.com\/index.php\/2024\/02\/28\/bi-checking-pengertian-dan-cara-mengeceknya\/","title":{"rendered":"BI Checking, Pengertian dan Cara Mengeceknya"},"content":{"rendered":"<figure id=\"attachment_6557\" aria-describedby=\"caption-attachment-6557\" style=\"width: 800px\" class=\"wp-caption alignnone\"><img fetchpriority=\"high\" decoding=\"async\" class=\"size-full wp-image-6557\" src=\"https:\/\/ppmindonesia.com\/wp-content\/uploads\/2024\/02\/oe9ZM7IfdL.jpg\" alt=\"\" width=\"800\" height=\"534\" srcset=\"https:\/\/ppmindonesia.com\/wp-content\/uploads\/2024\/02\/oe9ZM7IfdL.jpg 800w, https:\/\/ppmindonesia.com\/wp-content\/uploads\/2024\/02\/oe9ZM7IfdL-600x401.jpg 600w, https:\/\/ppmindonesia.com\/wp-content\/uploads\/2024\/02\/oe9ZM7IfdL-300x200.jpg 300w, https:\/\/ppmindonesia.com\/wp-content\/uploads\/2024\/02\/oe9ZM7IfdL-768x513.jpg 768w\" sizes=\"(max-width: 800px) 100vw, 800px\" \/><figcaption id=\"caption-attachment-6557\" class=\"wp-caption-text\">Ilustrasi BI Checking untuk pembiayaan KPR. Foto: Shutterstock.<\/figcaption><\/figure>\n<p>ppmindonesia.com- Jakarta: Masyarakat yang malang melintang pada produk pinjaman dari lembaga jasa keuangan pasti sudah akrab dengan adanya\u00a0<a href=\"https:\/\/ppmindonesia.com\/?p=6556&amp;preview=true\">BI\u00a0<em>Checking<\/em>.<\/a><\/p>\n<p>BI\u00a0<em>Checking\u00a0<\/em>atau yang sekarang dikenal dengan Sistem Layanan Informasi Keuangan (SLIK) OJK menjadi syarat untuk mengajukan pinjaman di berbagai lembaga jasa keuangan, mulai dari pembiayaan rumah alias KPR dari bank hingga kredit kendaraan bermotor (KKB) di perusahaan\u00a0<em>leasing<\/em>.<\/p>\n<p><strong>Apa itu BI\u00a0<em>Checking<\/em>\/SLIK OJK?<\/strong><\/p>\n<p>Dikutip dari laman\u00a0<a href=\"https:\/\/sikapiuangmu.ojk.go.id\/\">sikapiuangmu.ojk.go.id<\/a>, SLIK merupakan sistem informasi yang pengelolaannya di bawah tanggung jawab Otoritas Jasa Keuangan (OJK) yang bertujuan untuk melaksanakan tugas pengawasan dan pelayanan informasi keuangan, yang salah satunya berupa penyediaan informasi debitur (iDeb).<\/p>\n<p>SLIK memperluas cakupan iDeb yaitu melingkupi lembaga keuangan bank dan lembaga pembiayaan (<em>finance<\/em>) dan juga ke lembaga keuangan non-bank yang mempunyai akses data debitur dan kewajiban melaporkan data debitur ke Sistem Informasi Debitur (SID).<\/p>\n<p>Selain itu, SLIK juga dipakai untuk melaporkan, fasilitas penyediaan dana, data agunan, dan data terkait lainnya dari berbagai jenis lembaga keuangan, masyarakat, Lembaga Pengelolaan Informasi Perkreditan (LPIP) dan pihak lainnya.<\/p>\n<p>Intinya, BI\u00a0<em>Checking\u00a0<\/em>atau SLIK dilakukan karena mempunyai tujuan untuk mempelajari aktivitas keuangan nasabah atau calon peminjam. Peninjauan aktivitas keuangan ini nantinya digunakan untuk menilai apakah calon nasabah sudah layak mendapatkan dukungan KPR dari pihak bank.<\/p>\n<p><strong>Kualitas kredit<\/strong><\/p>\n<p>Saat calon nasabah mengajukan\u00a0<a href=\"https:\/\/www.medcom.id\/tag\/17328\/kredit-perbankan\">pinjaman atau kredit<\/a>, lembaga jasa keuangan yang dituju pasti akan melihat kualitas kredit sang calon yang tertera pada iDeb SLIK. Berikut lima kualitas atau kredibilitas kredit yang jadi pertimbangan lembaga jasa keuangan memberikan kredit kepada calon nasabah.<\/p>\n<p>1. Kolektibilitas 1: Lancar, apabila debitur selalu membayar pokok dan bunga tepat waktu. Perkembangan rekening baik, tidak ada tunggakan, serta sesuai dengan persyaratan kredit.<\/p>\n<p>2. Kolektibilitas 2: Dalam Perhatian Khusus, apabila debitur menunggak pembayaran pokok dan\/atau bunga antara 1-90 hari.<\/p>\n<p>3. Kolektibilitas 3: Kurang Lancar, apabila debitur menunggak pembayaran pokok dan\/atau bunga antara 91-120 hari.<\/p>\n<p>4. Kolektibilitas 4: Diragukan, apabila debitur menunggak pembayaran pokok dan\/atau bunga antara 121-180 hari.<\/p>\n<p>5. Kolektibilitas 5: Macet, apabila debitur menunggak pembayaran pokok dan\/atau bunga lebih dari 180 hari.<\/p>\n<p><strong>Cara cek BI\u00a0<em>Checking<\/em>\/iDeb SLIK<\/strong><\/p>\n<p>1. Cek lewat\u00a0<em>offline\u00a0<\/em>atau datang ke kantor OJK<\/p>\n<p>BI\u00a0<em>Checking\u00a0<\/em>atau iDeb SLIK dapat dilakukan\u00a0<em>online\u00a0<\/em>maupun\u00a0<em>offline<\/em>. Untuk\u00a0<em>offline<\/em>, pemohon bisa langsung mengunjungi kantor-kantor OJK pusat maupun daerah dengan membawa dokumen pendukung dan mengisi formulir permintaan informasi debitur (iDeb).<\/p>\n<p>Adapun dokumen pendukung untuk debitur perorangan, yakni fotokopi identitas diri dengan menunjukkan identitas asli berupa KTP (untuk WNI) atau paspor (untuk WNA). Jika dikuasakan, maka membawa surat kuasa.<\/p>\n<p>Untuk debitur yang telah meninggal dunia, fotokopi identitas diri dengan menunjukkan identitas diri asli berupa identitas ahli waris (KTP untuk WNI atau paspor untuk WNA), dokumen asli yang menerangkan kematian debitur yang dikeluarkan oleh pihak berwenang, serta dokumen yang menunjukkan hubungan kekeluargaan atau ahli waris.<\/p>\n<p>Untuk debitur badan usaha, fotokopi identitas badan usaha dan identitas pengurus dengan menunjukkan identitas asli badan usaha berupa NPWP, akta pendirian perusahaan, perubahan anggaran dasar terakhir, dan membawa surat kuasa jika dikuasakan.<\/p>\n<p>Selanjutnya,\u00a0<a href=\"https:\/\/www.medcom.id\/tag\/249\/ojk\">OJK<\/a>\u00a0akan melakukan pengecekan kesesuaian formulir dan dokumen pendukung. Apabila telah sesuai dengan persyaratan, OJK akan melakukan penarikan data informasi debitur dan mengirimkan hasilnya melalui email pemohon yang didaftarkan.<\/p>\n<p>2. Cek melalui\u00a0<em>online<\/em><\/p>\n<p>a. Buka aplikasi melalui laman web\u00a0<a href=\"https:\/\/idebku.ojk.go.id\/\">https:\/\/idebku.ojk.go.id<\/a>. Kemudian klik menu &#8216;Pendaftaran&#8217; pada halaman utama aplikasi iDebKu OJK.<br \/>\nb. Pemohon mengisi data registrasi secara lengkap dan benar.<br \/>\nc. Unggah foto diri dengan memperagakan instruksi yang diminta aplikasi.<br \/>\nd. Setelah pendaftaran berhasil, pemohon akan menerima e-mail informasi nomor pendaftaran dari OJK.<br \/>\ne. Pemohon dapat melakukan pengecekan status permohonan pada menu &#8216;Status Layanan&#8217; dengan isi nomor pendaftaran.<br \/>\nf. OJK akan memproses permohonan iDeb dan mengirimkan hasil iDeb melalui e-mail pemohon paling lambat satu hari kerja setelah pendaftaran dilakukan.<\/p>\n<p>Sumber berita: https:\/\/www.medcom.id\/ekonomi\/keuangan\/4KZPD2Eb-bi-checking-pengertian-dan-cara-mengeceknya<\/p>\n","protected":false},"excerpt":{"rendered":"<p>ppmindonesia.com- Jakarta: Masyarakat yang malang melintang pada produk&#8230;<\/p>\n","protected":false},"author":1,"featured_media":0,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_uag_custom_page_level_css":"","_monsterinsights_skip_tracking":false,"_monsterinsights_sitenote_active":false,"_monsterinsights_sitenote_note":"","_monsterinsights_sitenote_category":0,"kia_subtitle":"","footnotes":""},"categories":[36],"tags":[64],"newstopic":[],"class_list":["post-6556","post","type-post","status-publish","format-standard","hentry","category-nasional","tag-bi-checking"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.4 - 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