Jakarta, CNBC Indonesia – The Financial Services Authority (OJK) reminded that the recent failure of 5 new graduates (fresh graduates) whose job applications were rejected due to bad credit went viral could be a lesson for graduate job seekers.
The Chief Executive of OJK’s Chief Executive for Monitoring the Behavior of Financial Services Businesses, Education and Consumer Protection, Friderica Widyasari Dewi, said this incident could raise awareness among young people not to mess around with online debt.
Moreover, he said, buy now pay later (BNPL) is connected to the financial information service system (SLIK). So that if there are arrears, it will affect the credit score of the community.
This is because the woman who is familiarly called Kiki said that the OJK financial information service system (SLIK) can show a person’s complete credit history. In this case, it only remains to enter the NIK on the KTP to be able to access someone’s SLIK data.
“So young people aware, oh yeah, don’t mess with online debt ‘after that I changed the number, it can’t be collected anymore’. Not like that. Because if you already use your KTP, everything will be included in the SLIK,” he said recently, quoted on Saturday (26/8/2023).
Kiki said that there have been many cases of young people getting entangled in online debt. There are also fresh graduates who apply for loans to buy goods while waiting for graduation.
“That’s why sometimes school children are consumptive, they hear stories from their friends or their children a lot while waiting for graduation for fun. Use pay later. In the end, how much debt does it grow a lot, in the end it’s hard to find a job and so on. ,” said Kiki.
Therefore, Kiki also reminded us of the importance of checking SLIK when applying for a job.
In this case, his party is developing the capacity of SLIK. Because, since the tweet went viral, people have been busy checking their status at SLIK. Because of the crowds, many fail to check their credit history.
Later, SLIK data will be more integrated and a person’s credit history can be seen in full. In this case, OJK is currently working on establishing a Fintech Lending data center (Pusdafil). Later, the loan application will be integrated with the OJK SLIK. This will be a problem for those who have various loan arrears.
Kiki said that the Indonesian Joint Funding Fintech Association (AFPI) had asked the authority to enter loan data in the SLIK. This is because so far many people have chosen to apply for loans because they have not been integrated with the SLIK data.
“If these people know the data that is entering the SLIK, they will be careful [dalam mengajukan pinjaman]. But if they find out that the loan is not included in the SLIK data, [mereka] don’t like to pay,” he concluded.
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