biro kredit indonesia credit bureau
Have you ever wondered why some lenders seem to consistently win the cross-sell game by converting more customers from smaller campaigns, at a fraction of the cost? Can I really focus my budget only on customers most likely to take a loan without sacrificing...
Business Development and Management Report Throughout 2025, the Company continued to strengthen its commitment to delivering innovation and data-driven solutions to support the needs of the financial services industry. Various product developments and new capabilities were...
Digital transformation in the financial industry continues to evolve, including the way companies access services and information more quickly and efficiently. This is exactly what CERMATI (PT Agregasi Cermat Indonesia) has experienced after using CIKA (CLIK Intelligence...
PT CRIF Lembaga Informasi Keuangan announces with deep sorrow that Mr. Mirza Karim, Members of the Board of Commissioners of PT CRIF Lembaga Informasi Keuangan for the period 2017-2024 and President Commissioner of PT CRIF Lembaga Informasi Keuangan for the period...
Mastercard with CLIK Credit Bureau announced a strategic collaboration to deliver more advanced credit risk consulting services for card issuers and financial institutions across Indonesia. This initiative reinforces CLIK Credit Bureau’s commitment to strengthening the...
PT CRIF Lembaga Informasi Keuangan (CLIK) has formalized a strategic collaboration with the Association of Microfinance Institutions and Sharia Microfinance Institutions of Indonesia (ASLINDO LKM–LKMS) through the signing of a Cooperation Agreement on 6 February 2026....
Credit risk is an important aspect of finance that many people often overlook. In fact, understanding credit risk can help you manage loans, installments, and your overall financial condition more effectively. With the right knowledge, you can reduce the chances of loss caused...
Starting and growing a business requires a significant amount of capital. However, choosing the wrong source of funding can create serious financial risks. That’s why it’s important for business owners to understand how to obtain business capital with minimal risk,...
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Measuring credit portfolio risk is becoming increasingly important, as borrowers today often have credit activity across multiple institutions. As a result, potential risks are not always visible from internal data alone. Without comprehensive monitoring, early signs of...
Technology-based financial services (fintech) continue to play a key role in expanding access to financial services in Indonesia. Outside the island of Java, the opportunity is even greater. With fast, simple, and hassle-free loan processes, fintech helps individuals and small...
At the beginning of 2026, CRIF Lembaga Informasi Keuangan (CLIK) reaffirmed its commitment to strengthening its role as a trusted provider of innovative and comprehensive credit information solutions, supporting responsible lending, financial inclusion, and the stability of...
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...
