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ü Since 1975, Central Bank of Indonesia (Bank Indonesia) has managed credit information to
fulfill the needs of the financial industry in order to provide a smooth provision of funds and
support risk management.
ü The needs for credit information from the banking industry evolved dramatically after the
economic crisis in 1998, and in 1999 Bank Indonesia launched Debtor Information System
(SID) and has provided standard credit information ever since.
ü The SID was limited to provide basic credit information, with the scope of data was
dominated by banks and a few non-bank financial institutions.
ü In 2004 a strategic decision was made to develop credit bureau outside Bank Indonesia to
provide comprehensive information and credit scoring to the banking industry.
3
ü In 2013 Bank Indonesia specified the requirements to open a private credit bureau by issuing
a Central Bank Regulation No. 15/1/PBI/2013 concerning Credit Bureau and its
implementation regulation. Since 2013, Indonesia has adopted dual credit reporting system,
in which the public credit registry is managed by Bank Indonesia and also private credit
bureau.
ü Since 1 January 2018 the Financial Services Authority (OJK) implemented the Financial
Information Services System (SLIK), in order to replace the Debtor Information System (SID),
which was previously run by Bank Indonesia. Since then, OJK has become a public credit
registry.
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Public
Credit Financial
Registry Institutions
Financial Institution –
SLIK OJK Member Financial Services Standard and Basic
(by law) Authority Information
Society
Financial Institution
Private (non SLIK Member) Private Credit FI
Credit Bureau Non FI
Bureau
Non FI
Comprehensive & Added Public
Public Agencies Value Credit Information Agencies
Society
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Regulations:
• PBI No.15/1/PBI/2013 and SEBI No.15/49/DPKL Year 2013 about LPIP.
• POJK Nomor 18/POJK.03/2017 Year 2017 about SLIK.
• Indonesia Economic Package Volume XII: LPIP is one of the factors in improving the ease of doing business.
2018 2019
Getting Credit Topic Getting Credit Topic
Mission Vision
• To strengthen the national financial system through the
provision of excellent, trusted and international-standard Become a world class credit information provider in
credit information services and solution order to support increase the financial inclusion to
• To achieve the creation of an inclusive financial system
improve the welfare of Indonesian people
through ease of access to credit information for all people
which can support the growth of the national economy
Sept 2016 –
Dec 5th 2013 – Bank Since Jan 1st 2018 –
PEFINDO Biro
Indonesia issued Transition Data
Kredit obtained
Circular Letter Sources from
Debtors’ Credit
about Private Bank Indonesia to
Data (SID) from
Credit Bureau FSA (OJK)
Bank Indonesia
BANK 27 4
NON FINANCIAL
INSTITUTIONS
PBK’s
Members RURAL
BANK
56
195 MEMBERS * 10
(BPR)
COOPERATIVE
60
MULTIFINANCE 13
25
P2P LENDER
OTHER FINANCIAL
INSTITUTIONS (INSURANCE,
SECURITIES Co., PAWNSHOP,
* As of 10th July 2019
CREDIT GUARANTORS,
EXPORT FINANCING)
9
Credit Score
10
IdScore
For an easy interpretation the scores group to the Risk grades, which varies by the level of the risk.
RISK
GRADE CREDIT SCORE PROBABILITY OF DEFAULT DESCRIPTION
A1 726 – 900 0.00% - 0.78% Very Low Risk
A2 718 – 725 0.79% - 1.07% Very Low Risk
A3 713 – 717 1.08% - 1.44% Very Low Risk
B1 701 – 712 1.45% - 1.89% Low Risk
B2 689 – 700 1.90% - 2.48% Low Risk
B3 677 – 688 2.49% - 3.25% Low Risk
C1 665 – 676 3.26% - 4.24% Average Risk
C2 653 – 664 4.25% - 5.52% Average Risk
C3 641 – 652 5.53% - 7.15% Average Risk
D1 620 – 640 7.16% - 11.12% High Risk
D2 604 – 619 11.13% - 15.32% High Risk
D3 574 – 603 15.33% - 26.57% High Risk
E1 530 – 573 26.58% - 50.00% Very High Risk
E2 251 – 529 50.01% - 99.99% Very High Risk
E3 250 100.00% Very High Risk
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IdReport
IdReport is a comprehensive credit report from multiple data sources (credit data and other data).
Despite its comprehensiveness, it is easy to read through the summary/dashboard section that displays
summary information of the debtor’s overall credit facilities.
IdMarket Profile
IdMarket Profile is customized statistical data and information to be obtained on request. The
information can be utilized as a reference point in business planning, development, policy making, and
other business needs.
NPL_PerSegmen
5.0%
2.5%
2.4%
2.1%
0.0%
2…
2…
2…
2…
2…
2…
2…
2…
NPL_Investasi
NPL_Konsumsi
NPL_ModalKerja
What is next?
Products
What is next?
Governance
Implement the GRC standards
Project
Information Enterprise Risk C
Management
Security PMBOK Management O
Management ISO 31000 M
System (ISMS) (2018) P
G ISO 27001 * L
C
Business I
G IT Governance
COBIT Continuity A
(2018) Management N
ISO 22301 * C
E
Data Governance * Quality
Management
System
ISO 9001 *
16
THANK YOU