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About Collectability Status (KOL)
What is KOL status?
KOL (Collectability Status) indicates the repayment quality of your loans or credit obligations.
Why should I know my KOL status?
Understanding your KOL status can help you maintain healthy credit and manage your loans more effectively.
Why is my KOL status different from my latest payment status?
Recent payments may not yet be reflected in the SLIK data used for this report. The KOL status shown reflects your credit condition as of the date stated in the report.
Why does the main status show my worst KOL?
The main status represents the highest (worst) KOL among all active and written-off loans recorded in SLIK.
Does Bank Jago determine my KOL status?
No. Your KOL status is based on data reported to SLIK by the relevant financial institution.
What should I do if my KOL status is poor?
Make sure your payments are made on time and settle any outstanding overdue obligations as soon as possible.
How can I maintain a healthy KOL status?
Pay your installments before the due date
Avoid late payments
Borrow according to your financial capacity
Can my KOL status improve?
Yes. Your KOL status can improve over time through consistent and timely repayments.
What do the different KOL statuses mean?
KOL 1: Current
KOL 2: Special Mention
KOL 3: Non-performing
KOL 4: Doubtful
KOL 5: Bad Debt
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