Enhancing Service Quality: From KBIJ (Kredit Biro Indonesia Jaya) to CBI (Credit Bureau Indonesia)

Kredit Biro Indonesia Jaya (KBIJ), one of Indonesia’s first licensed private credit bureaus, was established in 2014 and officially received authorization from the Financial Services Authority (OJK) in 2015 as a Lembaga Pengelola Informasi Perkreditan (LPIP), or Credit Information Management Institution.

In November 2021, after obtaining approval from OJK, KBIJ underwent a major transformation, receiving additional capital injection from shareholders and appointing a new management team.

Strengthening Vision and Direction

Ronny Kasim, President Commissioner of KBIJ, shared:

“The acceleration of digital financial services in Indonesia is faster than ever, and expanding financial inclusion among unbanked and underbanked consumers and businesses remains a key national priority.

With the expertise, experience, and deep network of our new senior management team, KBIJ aims to strengthen both the reach and depth of our credit reporting and information services. Our ultimate goal is to deliver reliable, accurate, and trusted credit ratings and information to our valued business partners.”

From KBIJ to CBI: A New Chapter

Aligned with its renewed vision and mission, KBIJ rebranded to CBI (Credit Bureau Indonesia) in July 2022, marking a new chapter in its journey to provide modern, innovative, and world-class credit bureau services.

With this rebranding, CBI is committed to positioning itself as a “best-in-class, modern, and innovative” credit bureau in Indonesia — delivering comprehensive, accurate, and customizable credit data and analytics designed to empower businesses to make smarter strategic decisions, increase efficiency, and manage credit risks effectively.

Delivering Trusted Credit Data and Insights

CBI provides real-time, wide-coverage credit data through SLIK and alternative data sources, offering diverse credit scoring models tailored to specific financial products. This allows institutions to access accurate, data-driven consumer risk profiles that align with their business preferences.

Core Solutions

1. Scoring & Reporting Solutions
Comprehensive credit risk profiling based on SLIK and rich alternative data, designed for borrowers, potential customers, and both banked and underbanked segments.

2. Analytic Solutions
Holistic business benchmarking and performance insights that help institutions align strategy, improve decision-making, and strengthen market competitiveness.

3. Fraud & Loss Prevention Solutions
Real-time, end-to-end fraud detection and prevention tools designed to safeguard digital financial ecosystems.

Serving Indonesia’s Financial Ecosystem

CBI serves members and partners across multiple sectors, including Banking, Multifinance, Fintech Lending, Regional Development Banks (BPD), Rural Banks (BPR), and Cooperatives.

As a CBI member or partner, you gain access to real-time credit information supported by robust analysis and best-in-class international practices. Our goal is to help organizations enhance competitiveness, strengthen risk management, and make informed strategic business decisions.

Join CBI Today

Join Credit Bureau Indonesia (CBI) and take part in advancing Indonesia’s credit information industry with trusted, data-driven solutions that empower financial growth and inclusion.