SLIK (Financial Information Service System)

SLIK (Sistem Layanan Informasi Keuangan or Financial Information Service System) is an information system managed by Indonesia's Financial Services Authority (OJK) that holds data on debtors, credit facilities, collateral, and payment history from banks, non-bank financial institutions, and registered financial service providers. The legal basis is OJK Regulation Number 18/POJK.03/2017 on Reporting and Requesting Debtor Information. SLIK replaced the earlier Debtor Information System (SID) previously managed by Bank Indonesia. Following the enactment of PMK 8/2026, OJK is required to submit SLIK data to Indonesia's Directorate General of Taxes (DGT) as part of the Agencies, Institutions, Associations, and Other Parties (ILAP) framework. The DGT uses SLIK data to validate taxpayer compliance profiles against actual financial capacity and to deter double-bookkeeping.

This article is for education, not tax advice.

Example

Mr. Andi is an individual taxpayer who reports IDR 200 million in annual income on his Personal Income Tax return. However, SLIK data shows Mr. Andi holds an active IDR 3 billion home mortgage and an IDR 500 million vehicle loan with on-time installments. The DGT uses this SLIK data as an entry point to test the profile. Tax officers can assess whether IDR 200 million in reported income reasonably supports the installments, or whether undeclared income exists.

Source: https://www.ojk.go.id/en/kanal/perbankan/Pages/SLIK.aspx