Without SLIK Access, Debtors Can Peek at Loan History on Bank Jago

Bank Jago has introduced a new "Credit Report" feature within its Jago application, designed to empower potential borrowers by providing visibility into their credit history. This initiative aims to help customers assess their financial health before formally applying for loans, addressing a common reason for loan rejections.

"We help them to be aware first, what are all the loans you have? Because that is actually very important," said Andy Djiwandono, Head of Sustainability & Digital Lending at Bank Jago. The feature was developed in response to the problem of many individuals failing loan applications due to outstanding debts across multiple financial institutions or online lenders.

The Credit Report feature will offer five key pieces of information regarding a customer's credit health, including their collectibility status, which indicates how promptly loans are repaid. It also presents data on loan facilities and the total amount borrowed from all financial institutions, not just Bank Jago. Based on this profile, Bank Jago will provide recommendations to guide customers' financial decisions and improve their credit standing.

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We help them to be aware first, what are all the loans you have? Because that is actually very important.

Accessing the Credit Report requires customer consent for Bank Jago to retrieve loan history data from the Financial Services Authority's (OJK) Financial Information Service System (SLIK). Djiwandono stressed the importance of reviewing credit history, noting that many potential borrowers are unaware of their existing obligations. This awareness, he believes, can mitigate the risk of loan application failures for essential needs like housing or education.

According to the OJK's 2025 National Financial Literacy and Inclusion Survey, national financial literacy regarding banking financing stands at 65.5%, but literacy concerning non-bank financial institutions remains lower. The Credit Report feature is part of Bank Jago's broader commitment to responsible lending, complementing existing products like Jago Dana Cepat and Dana Siaga.

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Don't let it be hindered because you don't know what your credit report looks like.