{"id":22045,"date":"2026-05-21T14:58:55","date_gmt":"2026-05-21T07:58:55","guid":{"rendered":"https:\/\/qr.ptsuparmatbk.com\/blog\/?p=22045"},"modified":"2026-05-22T14:02:15","modified_gmt":"2026-05-22T07:02:15","slug":"pinjaman-apa-saja-yang-masuk-bi-checking","status":"publish","type":"post","link":"https:\/\/qr.ptsuparmatbk.com\/blog\/pinjaman-apa-saja-yang-masuk-bi-checking\/","title":{"rendered":"Awas! Ketahui Pinjaman Apa Saja yang Masuk BI Checking Disini"},"content":{"rendered":"<p>Stop! Kamu gak boleh berpikir &#8220;Ah, cuma paylater doang kok&#8221;, &#8220;Cuma nyicil HP, kok&#8221;, dan lain sebagainya lagi. Soalnya tanpa kamu sadari ada beberapa jenis pinjaman itu bisa masuk BI Checking atau <a href=\"https:\/\/ojk.go.id\/id\/kanal\/perbankan\/Pages\/Sistem-Layanan-Informasi-Keuangan-SLIK.aspx\" target=\"_blank\" rel=\"noopener\">SLIK OJK.<\/a><\/p>\n<p>Kalau BI Checking-mu punya skor yang jelek, dampaknya akan sulit melakukan apapun pinjaman lagi. Nah ini jadi pusing tujuh keliling kalau ternyata kamu butuuh dana darurat untuk keperluan yang mendesak.<\/p>\n<p>Makanya sebelum meminjam, sebaiknya harus tau <span class=\"___SBox_epc1q-kmt_ ___SText_zko9t-kmt_\" data-ui-name=\"Link.Text\">pinjaman apa saja yang masuk BI Checking pada bacaan ini.<\/span><\/p>\n<div id=\"ez-toc-container\" class=\"ez-toc-v2_0_83 counter-hierarchy ez-toc-counter ez-toc-grey ez-toc-container-direction\">\n<div class=\"ez-toc-title-container\">\n<p class=\"ez-toc-title\" style=\"cursor:inherit\">Table of Contents<\/p>\n<span class=\"ez-toc-title-toggle\"><a href=\"#\" class=\"ez-toc-pull-right ez-toc-btn ez-toc-btn-xs ez-toc-btn-default ez-toc-toggle\" aria-label=\"Toggle Table of Content\"><span class=\"ez-toc-js-icon-con\"><span class=\"\"><span class=\"eztoc-hide\" style=\"display:none;\">Toggle<\/span><span class=\"ez-toc-icon-toggle-span\"><svg style=\"fill: #999;color:#999\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" class=\"list-377408\" width=\"20px\" height=\"20px\" viewBox=\"0 0 24 24\" fill=\"none\"><path d=\"M6 6H4v2h2V6zm14 0H8v2h12V6zM4 11h2v2H4v-2zm16 0H8v2h12v-2zM4 16h2v2H4v-2zm16 0H8v2h12v-2z\" fill=\"currentColor\"><\/path><\/svg><svg style=\"fill: #999;color:#999\" class=\"arrow-unsorted-368013\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"10px\" height=\"10px\" viewBox=\"0 0 24 24\" version=\"1.2\" baseProfile=\"tiny\"><path d=\"M18.2 9.3l-6.2-6.3-6.2 6.3c-.2.2-.3.4-.3.7s.1.5.3.7c.2.2.4.3.7.3h11c.3 0 .5-.1.7-.3.2-.2.3-.5.3-.7s-.1-.5-.3-.7zM5.8 14.7l6.2 6.3 6.2-6.3c.2-.2.3-.5.3-.7s-.1-.5-.3-.7c-.2-.2-.4-.3-.7-.3h-11c-.3 0-.5.1-.7.3-.2.2-.3.5-.3.7s.1.5.3.7z\"\/><\/svg><\/span><\/span><\/span><\/a><\/span><\/div>\n<nav><ul class='ez-toc-list ez-toc-list-level-1 ' ><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-1\" href=\"https:\/\/qr.ptsuparmatbk.com\/blog\/pinjaman-apa-saja-yang-masuk-bi-checking\/#Apa_Saja_yang_Masuk_BI_Checking\" >Apa Saja yang Masuk BI Checking?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-2\" href=\"https:\/\/qr.ptsuparmatbk.com\/blog\/pinjaman-apa-saja-yang-masuk-bi-checking\/#Kenapa_BI_Checking_itu_Penting\" >Kenapa BI Checking itu Penting?<\/a><\/li><li class='ez-toc-page-1 ez-toc-heading-level-2'><a class=\"ez-toc-link ez-toc-heading-3\" href=\"https:\/\/qr.ptsuparmatbk.com\/blog\/pinjaman-apa-saja-yang-masuk-bi-checking\/#Be_Yourself_Tapi_Jangan_Lupa_Bertanggung_Jawab\" >Be Yourself, Tapi Jangan Lupa Bertanggung Jawab<\/a><\/li><\/ul><\/nav><\/div>\n<h2><span class=\"ez-toc-section\" id=\"Apa_Saja_yang_Masuk_BI_Checking\"><\/span>Apa Saja yang Masuk BI Checking?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p>Pinjaman yang masuk BI Checking (sekarang disebut SLIK OJK) umumnya adalah semua fasilitas kredit resmi dari bank maupun lembaga keuangan yang terdaftar.<\/p>\n<p>Jadi kalau ditanya \u201capa saja yang masuk BI Checking\u201d, ini jawabannya<\/p>\n<ul>\n<li data-start=\"230\" data-end=\"246\">Kartu kredit<\/li>\n<li data-start=\"247\" data-end=\"259\">Paylater<\/li>\n<li data-start=\"260\" data-end=\"304\">Pinjaman online legal (pinjol resmi OJK)<\/li>\n<li data-start=\"305\" data-end=\"321\">Kredit motor<\/li>\n<li data-start=\"322\" data-end=\"338\">Kredit mobil<\/li>\n<li data-start=\"339\" data-end=\"371\">KPR (Kredit Pemilikan Rumah)<\/li>\n<li data-start=\"372\" data-end=\"401\">KTA (Kredit Tanpa Agunan)<\/li>\n<li data-start=\"402\" data-end=\"428\">Cicilan HP atau gadget<\/li>\n<li data-start=\"429\" data-end=\"459\">Kredit elektronik\/furnitur<\/li>\n<li data-start=\"460\" data-end=\"493\">Kredit usaha atau modal usaha<\/li>\n<li data-start=\"494\" data-end=\"516\">Pinjaman multiguna<\/li>\n<li data-start=\"517\" data-end=\"554\">Leasing atau pembiayaan kendaraan<\/li>\n<li data-start=\"555\" data-end=\"576\">Kredit pendidikan<\/li>\n<li data-start=\"577\" data-end=\"645\">Kredit koperasi tertentu yang terhubung ke sistem pelaporan SLIK<\/li>\n<\/ul>\n<p>Intinya, kalau pinjamannya berasal dari lembaga keuangan resmi dan ada sistem cicilan\/pembayaran berkala, kemungkinan besar datanya tercatat di SLIK OJK.<\/p>\n<p>Jadi bukan cuma pinjaman besar yang masuk ke BI Checking \u2014 cicilan kecil seperti gadget dan paylater pun bisa masuk riwayat kredit.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Kenapa_BI_Checking_itu_Penting\"><\/span>Kenapa BI Checking itu Penting?<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"81\" data-end=\"337\">Banyak orang baru cari tahu apa saja yang masuk BI Checking setelah pengajuan kreditnya ditolak. Pas mau bikin kartu kredit, gak lolos. Bahkan ada yang baru sadar pentingnya BI Checking justru waktu lagi butuh banget.<\/p>\n<p data-start=\"584\" data-end=\"873\">BI Checking atau sekarang disebut SLIK OJK sebenarnya kayak rapor finansial.<\/p>\n<p data-start=\"875\" data-end=\"1169\">Masalahnya, banyak anak muda menganggap kalau cicilan kecil itu aman-aman aja. Padahal yang dilihat bukan cuma nominalnya, tapi seberapa disiplin kamu bayar tepat waktu. Karena buat bank atau lembaga keuangan, itu jadi tanda apakah seseorang cukup bertanggung jawab untuk dipercaya pinjaman berikutnya.<\/p>\n<p data-start=\"1171\" data-end=\"1395\">Dan jujur aja, future self pasti bakal lebih tenang kalau dari sekarang mulai lebih rapi soal finansial. Bukan berarti gak boleh jajan, checkout, atau healing. Boleh banget. Tapi tetap harus tahu batas dan tanggung jawabnya.<\/p>\n<h2><span class=\"ez-toc-section\" id=\"Be_Yourself_Tapi_Jangan_Lupa_Bertanggung_Jawab\"><\/span>Be Yourself, Tapi Jangan Lupa Bertanggung Jawab<span class=\"ez-toc-section-end\"><\/span><\/h2>\n<p data-start=\"0\" data-end=\"298\">Jadi, memahami apa saja yang masuk BI Checking bukan cuma soal takut ditolak pas pengajuan kredit. Tapi juga soal belajar jadi lebih bertanggung jawab sama keputusan sendiri.<\/p>\n<p data-start=\"0\" data-end=\"298\">Semakin kita dewasa, makin banyak hal yang harus dijaga termasuk tentang keuanganmu sekarang.<\/p>\n<p data-start=\"300\" data-end=\"517\">Masih suka checkout barang lucu tengah malam? Masih sering tergoda promo? Wajar. Yang penting, mulai belajar tahu batas dan berani bertanggung jawab sama apa yang dipilih.<\/p>\n<p data-start=\"519\" data-end=\"715\">Karena jadi diri sendiri bukan berarti hidup asal jalan tanpa arah. Justru versi terbaik dari diri sendiri adalah yang tetap bisa menikmati hidup, tanpa bikin diri di masa depan kerepotan sendiri.<\/p>\n<p data-start=\"717\" data-end=\"804\" data-is-last-node=\"\" data-is-only-node=\"\">Be Yourself, Inspire Others.<br \/>\nMulai dari hal kecil, termasuk lebih bijak soal finansial.<\/p>\n<p>&nbsp;<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Stop! Kamu gak boleh berpikir &#8220;Ah, cuma paylater doang kok&#8221;, &#8220;Cuma nyicil HP, kok&#8221;, dan lain sebagainya lagi. Soalnya tanpa [&hellip;]<\/p>\n","protected":false},"author":8,"featured_media":22065,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","ast-disable-related-posts":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"footnotes":""},"categories":[1],"tags":[],"class_list":["post-22045","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-tisu"],"_links":{"self":[{"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/posts\/22045","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/users\/8"}],"replies":[{"embeddable":true,"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/comments?post=22045"}],"version-history":[{"count":1,"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/posts\/22045\/revisions"}],"predecessor-version":[{"id":22046,"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/posts\/22045\/revisions\/22046"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/media\/22065"}],"wp:attachment":[{"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/media?parent=22045"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/categories?post=22045"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/qr.ptsuparmatbk.com\/blog\/wp-json\/wp\/v2\/tags?post=22045"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}