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data-link="//www.linkedin.com/shareArticle?mini=true&amp;url=https%3A%2F%2Fussfeed.com%2Fharga-makin-naik-di-musim-mudik-ini-tips-supaya-nggak-kegocek-pinjaman-online%2Fpop-culture%2F&amp;title=Harga Makin Naik di Musim Mudik, Ini Tips Supaya Nggak Kegocek Pinjaman Online&amp;summary=Kebutuhan makin banyak di musim mudik, jangan kepincut pinjaman online abal-abal!

Mulai meredanya pandemi membuat peraturan mudik juga makin longgar. Tahun ini, masyarakat mulai kembali lagi ke tradisi Ramadan dan Hari Raya Idul Fitri seperti tahun-tahun sebelumnya.

Tentunya, semua itu bikin kebutuhan jadi makin banyak, pengeluaran keuangan pun makin deras. Ditambah lagi, kenaikan harga berbagai kebutuhan pokok di tahun ini nggak main-main.

Makanya, mulai sekarang kita perlu punya strategi pintar untuk mengelola keuangan dan kebutuhan, jangan sampai terjerat jasa pinjaman online (pinjol) abal-abal. Kalaupun merasa ‘kepepet’ dan harus pakai jasa pinjol, ini tips yang harus kita tau!


Tak semua pinjaman online itu ilegal dan menjebak
Kalau kalian pikir kali ini kita bakal bahas soal kejelekan-kejelekan jasa pinjaman online, salah besar!

Faktanya, ada banyak jasa pinjol yang legal dan nggak menjebak. Sejak moratorium 2020, memang sudah ada 48 pinjol yang izinnya dicabut. 

Tapi sekarang ini, ada 102 pinjol resmi yang terdaftar di OJK, dan nggak perlu takut untuk pakai jasa tersebut. Untuk tau pinjol mana yang resmi terdaftar di OJK, bisa cek di sini!


Kenali aturan main pinjaman online
Sebelum memakai jasa pinjaman, ada beberapa hal yang harus kita pahami:

 	Maksimal bunga 0,4% perhari
 	Usia minimal 21 tahun, maksimal 55-60 tahun, punya slip gaji, KTP dan NPWP, serta rekening bank. Jangan sampai tertipu dengan iming-iming proses cepat dengan data seadanya.
 	Pahami kebijakan OJK soal metode penagihan, dan jagnan lupa baca kebijakan dari perusahaan penyedia jasa pinjaman online-nya, ya!

Jangan ragu lapor kalau ada pelanggaran
Per Februari 2022 saja,, sudah ada 51.000 pengaduan soal pinjaman online &amp; investasi ilegal.

Nah, inilah kenapa kita nggak boleh ragu untuk lapor saat menemukan pinjol ilegal atau yang resmi tapi melanggar aturan OJK. Begini caranya:

 	Lapor Polisi untuk proses hukum, lewat link ini, atau email info@cyber.polri.go.id.
 	Lapor ke OJK untuk pemblokiran lewat email waspadainvestasi@ojk.go.id.
 	Lapor ke Kominfo untuk Aduan Konten lewat email aduankonten@kominfo.go.id, atau hubungi nomor WhatsApp 0811-922-4545/081-157-157-157.


Terakhir, lindungi keamanan data pribadi
Melakukan pinjaman online di perusahaan ilegal tentunya bisa berbahaya bagi keamanan data pribadi kita. Makanya, kita harus selalu aware dan cermat dalam mengisi data pribadi di internet.

Pastikan platform-nya aman dan terdaftar resmi. Jangan malas untuk cari info sebanyak-banyaknya seputar berkegiatan online. 

Selain itu, bisa juga ikut kelas Literasi Digital supaya Makin Cakap Digital!

Gerakan Nasional Literasi Digital

Kominfo &amp; Siberkreasi

#MakinCakapDigital #Siberkreasi

#BeraniBerkreasi

 	
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