About Us

Our Company

PT. Kredit Biro Indonesia Jaya (KBIJ) has been granted the operational license No: KEP-86/D.03/2015 from OJK to function as a private credit bureau with effect from 22nd December 2015.

We aim to be the first operational credit-reporting agency in Indonesia, delivering unparalleled credit insight that enrich business performance and consumer lives through the comprehensive and differentiated data that we manage.

Banking institutions, micro-finance organizations and companies offering credit facilities can utilize our accurate database of credit-related information to better understand lending decision risks.

Our expertise in advanced analytics provides fast and accurate credit data to grantors, enabling faster and smarter decisions about the risk associated with individual loan applications.

By using our credit reports, credit grantors can rapidly reduce non-performing loans and improve the financial performance of their loan portfolio.

KBIJ’s experienced team has implemented world-leading credit bureaus in Singapore, Malaysia, Cambodia, Australia, New Zealand, Saudi Arabia and other countries using the technical solution of Veda Advantage, an Equifax company. Veda is a globally recognised leader in the credit reporting system and software industry.

Our Mission

PT. Kredit Biro Indonesia Jaya’s mission is to provide our customers with multidimensional and meaningful information so that they can maximize their organisations’ potential, facilitating commerce, strengthening the economy and ultimately increasing the standard of living for the people of Indonesia.