loading…
BI checking Kol-5 is important to understand for fresh graduates to get a job. You can see the atmosphere of shopping using QRIS. Photo: Sindonews/Aldhi Chandra Setiawan
JAKARTA – BI Checking Col-5 is a credit collectibility status indicating that the debtor is overdue in paying credit installments for more than 180 days. This means bad credit and is included in the category of Non-Performing Loan (NPL).
Debtors included in the BI Checking Col-5 will find it difficult to get new loans from banks or other financial institutions. In fact, banks can auction collateral guaranteed by debtors to cover losses.
Apart from having an impact on the lending system at banks, BI Checking Col-5 is also reportedly able to make it difficult for someone to get a job. Especially for fresh graduates who are applying for jobs.
So, is it true that BI Checking Kol-5 is difficult to get a job? Here’s the answer
Basically, the effect of BI Checking Col-5 is that it will be difficult for someone to get another credit from a bank or other financial institution. This happens because they will perceive someone as a debtor who is in trouble and is at risk of default.
Apart from that, BI Checking Kol-5 can also affect a person’s chances of getting a job, especially for positions related to finance. This is because now several companies may use the OJK SLIK as one of the selection criteria for their prospective employees.
SLIK OJK is the Financial Services Authority’s Financial Information Service System, which is a database that contains information regarding credit history and collectibility status of debtors in all financial institutions in Indonesia.
However, it should be noted that collectibility status is divided into five levels. Among them are Col-1 (Current), Col-2 (Under Special Mention), Col-3 (Substandard), Col-4 (Doubtful), and Col-5 (Loss).
Col-5 status is the worst status indicating that the debtor is no longer able to pay his credit and must be settled through a legal process.
To remove Kol-5 status at SLIK OJK, a person must complete his credit by paying all arrears of principal and interest. In addition, it is followed by restructuring or rescheduling credit.
After that, a person must apply for the removal of Col-5 status to the financial institution that provided the credit. The process of deleting Col-5 status can take around 3 months to 1 year depending on the policies of financial institutions and cooperation between debtors and creditors.
(and)