Membongkar Sisi Gelap Fintech Peer-to-Peer Lending (Pinjaman Online) Pada Mahasiswa Di Yogyakarta

Abstract

This study aims to discuss dismantling the dark side of fintech peer-to-peer lending (online lending) to college students in Yogyakarta. This study uses qualitative research methods and was conducted in the city of Yogyakarta. The results of this study state that the reason why college students in Yogyakarta City use and borrow money at illegal peer-to-peer lending fintech (online lending) is the ease of registration and disbursement of funds as well as their hedonism needs. After all, they have to accept how the dark side of fintech peer-to-peer lending (online lending) is illegal which is so detrimental. Therefore, it is necessary to inculcate the value of financial literacy from an early age therefore that this does not happen again.

Edukasi Literasi Keuangan Dalam Upaya Pencegahan Penipuan Pinjaman Online

“…Industri jasa keuangan di Indonesia memang tumbuh pesat terutama teknologi keuangan berbasis peer to peer (P2P) lending karena permintaan dari masyarakat yang membutuhkan dana tambahan atau dana cadangan secara cepat dan praktis melalui pinjaman online. Namun, di balik kemudahan tersebut, muncul risiko penipuan yang dapat merugikan masyarakat (Hidayah, 2022). Penipuan pinjaman online menjadi ancaman serius karena kebanyakan individu belum memiliki literasi digital keuangan yang cukup untuk memahami risiko dan keamanan transaksi online, (Mirza Gayatri & Muzdalifah, 2022).…”