Blog
Notes on credit analysis, regulation, and the digital transformation of Indonesian banking.
OJK's 2021 banking digital transformation blueprint for bank and BPR credit teams: its five elements and what they mean in practice for document-based credit analysis.
A SLIK record, a bureau score and a lending decision are different things. What each tells a lender, what it leaves out and what to check before relying on it.
How credit analysts can read SLIK, CLIK, PEFINDO Biro Kredit (IdScore) and CBI reports side by side without mixing collectibility, bureau scores and missing data.
How credit analysts can bring SLIK and private-bureau reports into one 5C credit analysis while keeping each source's definitions, reporting dates and limits.
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