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Waspada dan Wajib Cek! Apakah KTP Anda Dipakai Pinjol?

Khalia Gadish Nihala

Jumat, Januari 10, 2025

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Kartu Tanda Penduduk (KTP) adalah identitas penting yang harus dijaga dengan baik. Namun, sayangnya, banyak kasus penyalahgunaan KTP untuk kepentingan yang tidak sah, termasuk untuk meminjam uang secara online melalui pinjaman online (pinjol). Karena pinjol sering kali dapat diproses tanpa perlu verifikasi wajah atau swafoto, pemilik KTP bisa terjebak dalam utang yang tak mereka buat.

Halaman pengajuan informasi debitur di laman Otoritas Jasa Keuangan.(Foto: Indonesia.go.id

Lalu, bagaimana cara mengecek apakah NIK pada KTP Anda telah digunakan untuk pinjol? Salah satu cara paling mudah dan resmi adalah dengan menggunakan Sistem Layanan Informasi Keuangan (SLIK) yang dikelola oleh Otoritas Jasa Keuangan (OJK). Proses pengecekan ini dapat dilakukan secara online maupun offline.

Cara Cek NIK Melalui SLIK OJK Secara Online

1. Akses situs resmi melalui https://idebku.ojk.go.id atau unduh aplikasi iDebku OJK di ponsel Anda.

2. Pilih opsi ‘Pendaftaran’ pada halaman utama.

3. Isi formulir yang diminta, seperti jenis debitur, nomor identitas, dan kode captcha.

4. Pastikan semua data yang Anda masukkan benar.

5. Klik ‘Selanjutnya’ setelah memastikan data sudah tepat.

6. Unggah dokumen pendukung seperti KTP dan foto diri Anda.

7. Klik ‘Ajukan Permohonan’.

8. Setelah itu, Anda akan menerima nomor pendaftaran.

9. Untuk memeriksa status permohonan, gunakan menu ‘Status Layanan’ dengan memasukkan nomor pendaftaran.

10. OJK akan memproses permohonan Anda dalam waktu satu hari kerja dan hasilnya akan dikirimkan ke email yang Anda daftarkan.(*)

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Khalia Gadish Nihala

Alamat Redaksi: Jalan Raya Bengle No.45 Tempuran Karawang Telp : 081295014190 Email : pelitakarawang@gmail.com

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