PT. Pefindo Biro Kredit (PEFINDO CREDIT BUREAU) is a company that operates the business as a Private Credit Bureau (PCB); an entity that collects and processes credit data and other relevant data to generate credit information. Credit information generated by LPIP (Lembaga Pengelola Informasi Perkreditan) — as regulated and overseeing by Indonesian Central Bank (BI) and Financial Services Authority (OJK) — includes the feasibility of the debtor’s historical data, ability to meet his/her/their financial requirement, character, and other information that can be used to assess the ability of the debtor to fulfill his/her/their financial obligation.
PEFINDO CREDIT BUREAU was initiated by PT PEFINDO (Pemeringkat Efek Indonesia) as an independent rating agency for corporations in Indonesia with more than 20 years of experience in managing sensitive and confidential data, working side by side with the regulator (BI), assisted by Ministry of Economy, Trade, Industry (METI) of Japan to brainstorm in formulating the regulation of Private Credit Bureau to help strengthen the financial infrastructure of Indonesia.
PEFINDO CREDIT BUREAU is fully operational since March 27, 2017, and ready to serve financial institutions, including financial technology companies, in the lending industry, as well as the MSME community, and the retail market, the people.
To become the chosen private credit bureau agency in Indonesia, by adopting international best practice in its operations.
• To manage the most complete and accurate credit, financing, and other relevant data in Indonesia.
• Provide trustworthy credit information and other value-added services to its members and customers