indonesia

Abstract

This study aims to determine the effectiveness of the BI Checking system in influencing customer financing applications at Bank BTN Syariah KCP Soekarno Hatta. BI Checking, which is now known as the Financial Information Service System (SLIK) OJK, is an information system used to assess the credit history of individuals or business entities. This study uses a descriptive qualitative research method with observation, interview, and documentation data collection. The results of the study indicate that BI Checking has a significant influence on the financing application process. Credit history information recorded in BI Checking is one of the determining factors for banks in granting financing approval. Customers with a good credit history have a greater chance of having their financing applications approved, while customers with a bad credit history can be rejected. This study also identified several other factors that can hinder financing applications, such as incomplete documents, failure to meet minimum work period requirements, and excessive debt.