Three tips from OJK to take advantage of Pinjol, you can check 081157157157
Online Loans aka Pinjol is no stranger to financial needs. This digital technology has become very easily accessible for use by society.
Before borrowing, first make sure the loan you are going to use is legal or official.
To find out, the public can access the legality of pinjol via the WhatsApp service with the number 081157157157.
"It can be accessed via WhatsApp. The easiest way is, if Bandung residents click on the link in the OJK Instagram bio, they will be directed to the website," said Junior Analyst at the West Java Provincial OJK Office, Badar in a Podcast activity with Bandung Public Relations.
Checking legality is one of the tips so that people can safely borrow debt according to their needs.
"There are three tips, namely 3K (Needs, Capabilities and Security). Starting from the needs first, do you really need it or not? Is it primary or secondary? Even in conditions like this, before Eid, everything is needed, suddenly a lot (willingness) appears, that's "It's called a desire. So prioritize needs," he said.
According to Badar, loans that can be called necessities include education, health and business costs such as MSMEs.
"Needs are for education, health, MSME production, that is the needs side, must be prioritized and included in the category," he said.
The second 3M tip is Capability. Borrowers must be able to pay installments according to the rules.
"Are you able to pay the installments? Daily or monthly. So first check your financial capabilities," he said.
Lastly, namely security. People can access online loans, just check via WhatsApp service with number 081 157 157 157.
Apart from 3M, Badar also emphasized that he understands online loans with 2L, namely Legal and Logical.
"Is security legal or unlicensed? Pay attention to the interest of 0.3 percent per day. So you have to look at its capabilities.
Meanwhile, Junior Analyst at the West Java Provincial OJK Office, Andriyani, revealed that the highest interest rate for online loans is 0.3 percent per day.
"Because the loan has no collateral or guarantee, so the interest is high. Actually, the loan has benefits and easy access. The interest is higher than other conventional financial services institutions, namely 0.3 percent per day," he said.
This matter is not determined by the OJK, but is the result of a joint agreement with the Indonesian Joint Funding Fintech Association (AFPI).
"This was determined by the OJK? No. This was agreed with the Indonesian Joint Funding Fintech Association. This has decreased by 0.3 percent, the previous year it was 0.4 percent," he said.
He warned the public to be alert so as not to get caught in illegal loans. The reason is that you will be able to access other than the existing regulations.
"The official (rules), Snacks, consist of Camera, Microphone and Locations. That's all that can be accessed. If you download the official pinjol, you only get that access," he said.
"If the illegal ones have very high interest rates, they are beyond reason. Because it could happen that if the illegal ones are 1 day late they can play up to 1 principal installment. That makes the victim mentally affected and panicked. They can even access contacts and the gallery, it will spread our privacy ," he explained.
Meanwhile, the number of loans officially recorded by the OJK recorded 101 companies.
"It is recorded that in 2023 there will be 101 licensed lenders registered with the OJK. You can check it via the OJK consumer WhatsApp service 081 157 157 157. Just type in the name of all the financial services institutions, then send it. It will come out in a matter of seconds or minutes, "whether this pinjol is registered or not. This is mitigation to protect the community," he said. (yan)**
Head of the Bandung City Communication and Information Office
Yayan A. Brilyana
