biro kredit indonesia credit bureau
Buying a home through a Mortgage (KPR) remains a popular choice for Indonesians in 2025. This program helps many people own a house by paying in installments over a long period. However, to take advantage of this facility, it’s important to understand the requirements...
In Indonesia’s financial and banking sector, the term collectibility often appears as an important indicator of credit health. Collectibility is a classification used by banks to assess how smoothly a borrower pays their principal and interest installments, as well as...
Your credit score, also known as your loan history in the BI Checking system (now managed under OJK’s SLIK), is one of the main factors banks look at when you apply for a loan. A common question is: if your credit status shows KOL 2, can you still get approved for new...
Your credit score—previously referred to as BI Checking in Indonesia—plays a key role when applying for loans from banks or financial institutions. A poor credit record can immediately affect whether your application gets approved. But don’t worry, there are...
Amid global economic uncertainty and domestic market shifts, strong risk management has become a key element in maintaining stability and supporting sustainable growth in the financial sector. CRIF Lembaga Informasi Keuangan (CLIK Credit Bureau) and Astra Integrasi Digital...
Knowing your credit score is an important step for both businesses and individuals to maintain financial health. A good credit score makes it easier to access financing, attract investors, and build business partnerships. CLIK Credit Bureau provides reliable credit information...
Applying for a loan at a bank or financial institution is not always as simple as it seems. Many people feel they’ve met all the requirements, yet their applications still get rejected. So, what are the real reasons behind these rejections? Here are the 10 most common...
The 3 Million Homes Program is one of the government’s main initiatives to improve home ownership among Indonesians. However, for potential beneficiaries to fully benefit from this program, the role of credit bureaus and accurate credit score information is crucial. The...
A credit score—previously known as BI Checking—has become an essential part of loan applications and is now managed under SLIK OJK. But one question often comes up: can one person’s credit score affect other family members in the same household (Kartu...
As part of ongoing commitment to build an inclusive and sustainable financing system, PT CRIF Lembaga Informasi Keuangan (CLIK Credit Bureau) continues to strengthen its role in expanding loan access for Micro, Small, and Medium Enterprises (MSMEs) in Indonesia. In...
Business Development and Management Report The company successfully maintained financial health and created incremental shareholder value. These achievements reflect CLIK’s commitment to operational excellence and robust financial health, positioning the Company strongly for...
Have you tried applying for an emergency loan from a fintech lender? If you have, there are a few things that you need to know about online lending, especially to maintain a healthy credit score. According to data from Asosiasi Fintech Pendanaan Bersama Indonesia (AFPI), as of May...
Organizations often utilize credit reports in job recruitment, particularly for positions with access to company finances directly. This aims to provide employers with a clear guide for decision-making, ensuring they are well-informed and can make the best hiring choices.
Indonesia’s consumer credit market has experienced notable growth, particularly in the segment of short-tenure, small-ticket loans. These loans are increasingly popular among individuals seeking quick funding for urgent or discretionary needs such as medical expenses, education,...
The credit industry ecosystem is dynamic and requires multi-stakeholder cooperation, resource integration, information sharing, model innovation, and updating credit scores to meet the demands of the rapidly developing industry.
PT CRIF Lembaga Informasi Keuangan (CLIK) recently reported the misuse of its company address and the name of Indonesia Financial Services Authority’s (OJK) financial information system known as SLIK by unauthorized parties associated with illegal fintech lending on social media.
A credit score is a numerical indicator of an individual’s credit history, representing their creditworthiness. It is crucial for everyone to regularly monitor their credit score to maintain a healthy financial profile. The higher your credit score, the better your financial reputation...
A credit score is an indicator of someone’s creditworthiness generated by an authorized and government-licensed institution. Financial institutions (FI) and non-financial institutions (NFI) mostly use the score before approving loan applications.
Obtaining a personal loan could be challenging for some people, but it is essential for those in need of immediate cash funds. Some common needs may include property renovation, buying a new vehicle, creating an emergency fund, or investing in business purposes.
The Credit Information Management Institute (LPIP), PT CRIF Lembaga Informasi Keuangan (CLIK) is determined to boost Indonesia’s economic growth. One way to do this is by expanding access to financing or credit for MSMEs.
The Credit Information Management Institute (LPIP), PT CRIF Lembaga Informasi Keuangan (CLIK) is determined to boost Indonesia’s economic growth. One way to do this is by expanding access to financing or credit for MSMEs.
The presence of private credit bureaus is considered to have a positive impact on the financial industry in the country.
Bank Indonesia (BI) noted that the growth of banking credit in July 2024 increased to 12.40 percent annually (year on year/yoy).
Lembaga Pengelola Informasi Perkreditan (LPIP) or credit score assessment institution is considered to have an important role in maintaining the resilience of national economic growth.
