Nesianetwork.id - Bandungan, Klaten (11 August 2024) - In recent years, illegal online lending has become an increasingly troubling problem for the community, especially among rural communities who still lack knowledge about digital financial services. Many residents are trapped in the trap of illegal pinjol with very high interest rates, inhumane collection, and theft of personal data.
The latest data on 11 June 2024, OJK has found 654 illegal online loan entities on a number of sites and applications. From these problems, Students of Real Work Lecture (KKN) TIM II Diponegoro University (UNDIP) 2024 majoring in Accounting carried out socialisation activities related to the rise of illegal online loans in Bandungan Village, Jatinom District, Klaten Regency. This activity aims to provide an understanding to the community about the dangers and risks of illegal online loans (pinjol), as well as how to recognise and avoid them.
This activity was carried out as a preventive measure to protect the residents of Bandungan Village from the negative impact of illegal pinjol. This activity began with a presentation on what online lending (Peer to peer lending) is, who are the providers of online loans, the difference between legal and illegal online loans, how to check the legality of online loans, and the risks faced by users of illegal pinjol.
In the socialisation, UNDIP KKN TIM II students explained that illegal pinjol are often not registered with the Financial Services Authority (OJK) and offer a very easy lending process without clear requirements. However, behind this convenience, there are great risks such as suffocating interest, unreasonable fines, and threats to personal data security.
In addition to the material presentation, students also distributed leaflets containing information on how to report illegal pinjol, how to check the legality of pinjol, and steps that can be taken if you have already been caught in the trap of illegal pinjol. The leaflet is expected to be a practical guide for the community to be more careful and not get caught in bigger financial problems. The women of Bandungan Village PKK were very enthusiastic in participating in this socialisation activity and hoped that they could be more aware of suspicious online loan offers.
Through this socialisation activity, KKN TIM II UNDIP 2024 students hope to make a real contribution in improving the financial literacy of the community and preventing them from the threat of illegal online loans that are increasingly prevalent. It is also hoped that this activity can be the first step for the people of Bandungan Village to be more careful and intelligent in choosing digital financial services.
Editor:
Achmad Munandar
Achmad Munandar
