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Credit Consent Form for Indonesia

Credit Consent Form Template for Indonesia

This document serves as a formal consent mechanism under Indonesian law for financial institutions to collect, process, and share credit-related information about individuals or entities. It complies with the Indonesian Financial Services Authority (OJK) regulations and the Personal Data Protection Law (UU PDP). The form enables credit providers to access and assess credit history, current credit commitments, and related financial information while ensuring data subject rights are protected and proper data handling procedures are followed. It includes specific provisions for data processing, sharing limitations, and the duration of consent validity.

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What is a Credit Consent Form?

The Credit Consent Form is a critical document required under Indonesian financial services regulations whenever a financial institution needs to access, process, or share an individual's credit information. This document becomes necessary during credit applications, loan processing, or credit limit reviews, ensuring compliance with Law No. 27 of 2022 on Personal Data Protection and OJK regulations. The form must be obtained before any credit assessment or reporting activities can commence, and it typically includes detailed permissions for credit checks, information sharing with credit bureaus, and ongoing credit monitoring. Financial institutions must maintain these consent records as part of their regulatory compliance and risk management procedures.

What sections should be included in a Credit Consent Form?

1. Personal Information: Details of the individual providing consent, including full name, ID number (NIK), address, and contact information

2. Purpose of Consent: Clear explanation of why the credit information is being collected and how it will be used

3. Scope of Consent: Detailed description of what information will be collected, accessed, or shared

4. Authorized Parties: List of entities authorized to access, process, or receive the credit information

5. Duration of Consent: Specification of how long the consent remains valid

6. Rights of the Data Subject: Explanation of the individual's rights regarding their data, including access, correction, and withdrawal of consent

7. Data Protection Measures: Overview of security measures implemented to protect the individual's credit information

8. Declaration and Signature: Formal statement of understanding and agreement, with space for signature and date

What sections are optional to include in a Credit Consent Form?

1. Third Party Authorization: Additional section when the consent form allows for sharing information with third parties beyond primary financial institutions

2. International Data Transfer: Required when credit information may be transferred outside Indonesia

3. Special Category Data Consent: Additional consent section for sensitive financial or personal information

4. Electronic Communication Consent: Optional section for consent to receive electronic notifications and communications

5. Credit Scoring Disclosure: Section explaining credit scoring processes when applicable

What schedules should be included in a Credit Consent Form?

1. Schedule A - Types of Credit Information: Detailed list of specific credit information types that may be collected and processed

2. Schedule B - Authorized Financial Institutions: Complete list of financial institutions authorized to access the credit information

3. Schedule C - Data Processing Activities: Detailed description of how the credit information will be processed and used

4. Appendix 1 - Privacy Policy Summary: Summary of relevant privacy policy points related to credit information handling

5. Appendix 2 - Contact Information: Contact details for data protection officers and relevant authorities for inquiries or complaints

Authors

Alex Denne

Head of Growth (Open Source Law) @ Ƶ | 3 x UCL-Certified in Contract Law & Drafting | 4+ Years Managing 1M+ Legal Documents | Serial Founder & Legal AI Author

Jurisdiction

Indonesia

Publisher

Ƶ

Document Type

Authorization Form

Cost

Free to use
Relevant legal definitions

























Clauses




















Relevant Industries

Banking

Financial Services

Insurance

Consumer Finance

Microfinance

Retail Banking

Corporate Banking

Fintech

Telecommunications

Property Development

Relevant Teams

Legal

Compliance

Risk Management

Credit Administration

Operations

Customer Service

Data Protection

Credit Analysis

Retail Banking

Corporate Banking

Documentation

Privacy

Regulatory Affairs

Relevant Roles

Credit Officer

Risk Manager

Compliance Officer

Data Protection Officer

Legal Counsel

Financial Services Manager

Loan Officer

Customer Service Representative

Credit Analyst

Operations Manager

Branch Manager

Underwriter

Privacy Officer

Credit Administration Manager

Industries







Teams

Employer, Employee, Start Date, Job Title, Department, Location, Probationary Period, Notice Period, Salary, Overtime, Vacation Pay, Statutory Holidays, Benefits, Bonus, Expenses, Working Hours, Rest Breaks,  Leaves of Absence, Confidentiality, Intellectual Property, Non-Solicitation, Non-Competition, Code of Conduct, Termination,  Severance Pay, Governing Law, Entire Agreemen

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