Do you need to check the financial prospective employees when recruiting?

Roughly whether it is necessary to check the financial prospective employees when recruiting so as to enter BI examination or Slik OJK.

When the company conducts the recruitment process, it usually lists a number of criteria which are certainly different for each position and position.

For those of you who are accustomed to reading job vacancies, of course you already know what are the general criteria to special specifications.

Later, a number of companies included criteria BI examination or Slik OJK as one of the requirements when applying for a job.

For your information, TWO inspect is a system of checking a credit history in the Bank Indonesia debtor information system conducted by the debtor.

At the moment, BI examination has changed to the Financial Information Services System (SLIK) OJK (Financial Services Authority) since January 1, 2018.

Blog Skillife has talked with Dr. Maharsi Anindyajati M.Psi., Psychologist to discuss the importance of checking the financial health of prospective employees.

The woman who is familiarly called Nina is a psychology doctor who graduated from Padjadjaran University and Consultants in the field Human capital at PPM Management.

He said that there are still many pros and cons about this. Some assume that through this credit score, it will be predicted that the tendency of behaviors that affect performance in the future.

There are also those who consider that financial problems are personal matters that are not related to one’s performance.

This is indeed not yet common, but a number of companies have begun to care about checking credit scores to prospective employees.

Previously, in August 2023, there was viral news on social media X (formerly called Twitter) about five people who failed to work because of credit scores 5.

Credit Score 5 or Col. 5 means that the debtor is classified as bad credit because it has been in arrears for the principal and interest payments for 180 days.

Please note that the credit score is stretched from 1 to 5. Score 1 reveals that the debtor is indeed smooth in payment.

While credit scores of 2 to 5 are the debtor to have a payment problem with a certain deadline. This does have an impact if you have credit to the bank.

How important is the financial check of prospective employees when recruiting

Although checking credit scores may be classified as important things related to one’s finances, but Nina asked this to be addressed wisely.

“Financial problems are many causes, some are pure because of financial limitations even though there are urgent needs, but there are also those because of psychological causes,” he said.

“For example, it requires validation of status so that it has an impact on lifestyle that is not in harmony with income,” he continued.

“Why are people who are in a loan? It could be not pure financial, but it can also be psychologically. Do not do wrong generalizations,” he said again.

He explained further that people in online loans could be psychologically or purely financial problems.

No doubt there are a number of people who do have greater expenses than income because of lifestyle.

The income is only limited to UMK (City/Regency Minimum Wage), but every day even buy expensive coffee at the cafe or buy expensive items. According to him, this is purely a psychological problem.

However, not a few people get a loan on line Because purely experienced complicated financial problems.

Not a few young people who become generations sandwich and become the backbone of the family. He must finance himself and your partner, children, and parents.

In fact, not a few of them are also still financing the lives of grandparents, siblings, to other siblings.

By the wayDorothy Miller introduced this term in 1981. He was a professor at the University of Kentucky, Lexington in the United States.

Companies must respond to BI checking checking more wisely

Nina suggested that checking credit scores through TWO inspect Or this OJK SLIK must be addressed carefully.

In a selection recruitment process, the main challenge is how to predict a person’s performance in the future with information about the candidate concerned, both from his background and from the selection test results.

Framework of thinking what the recruiters must have not only “don’t get the wrong recruit” (Fake tenant) but also “Don’t let the wrong refusal” (fake rejection).

Thus, in the mutual process it must be very careful in establishing criteria, including one of the scores BI examination This.

Score BI examination It could be an indicator of impulsive and consumptive behavior that might later affect his work attitude.

However, this conclusion must certainly be supported by other data, for example the results of the test or interview, because as earlier it has been explained financial problems, not only due to one factor, but can be multifractor.

Not to mention now there is also a fraud case, the person whose name is listed as a borrower, apparently felt he had never done it, but instead he was a victim of fraud that utilized his identity.

The company must explore further when finding prospective employees who have a score BI examination That’s not good.

Nina continued to become a candidate indeed potentially qualified and competence, but only seen from one small part.

“In the selection, recruiters cannot think don’t recruit, but also do not kick. This must be balanced,” he said closing the conversation.

Well, for the HRD ladies and gentlemen, of course this can be outlook What’s interesting in the recruitment of employees later.

As for employees, you must see the requirements when viewing job vacancies. There is no harm in improving credit scores when there are conditions like this.

Well, for those of you who want to find out more about credit scores, there are many articles that discuss this, such as whether Bi Checking has an impact on one family.

Only on the Skillife blog, you can find out tips for saving for various groups to how to start a business from a house for housewives or office workers.

Don’t forget to check the credit score using the SCIREMIFE application before applying for a car loan to a finance institution. It’s easy and practical.

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