LIMAPAGI – There are many cases of illegal online loan (pinjol) or peer-to-peer loan that have killed the community. Finally, the National Police ransacked the credit bureau in Sleman, Yogyakarta. The FREP called on the government to resolve the upstream borrowing problem.
Commissioner I DPR RI Sukamta praised the government’s willingness to abolish this illegal loan. Kominfo has also blocked (detached) 4,873 fintech content and illegal fintech applications since 2022, which have claimed many victims. “I encourage the government to continue to enforce the law. But extermination measures like this in the downstream are not enough, it is necessary to solve the main problem in the upstream,” he said on Saturday, October 16, 2022.
The deputy chairman of the PKS group explained this aspect of the case. First, the community aspect. There is a need for the community for emergency loans. Your application was denied by a legal loan or an official bank. Then they are tempted by illegal loans, which provide a convenient place to apply for credit that can attract many people even though interest rates are stifling. The online version of the loan shark.
Also read: Google does not allow illegal Pinjol apps to enter the Play Store
“Therefore, the public needs to brake in order to reduce unnecessary consumption. It is better not to buy secondary or tertiary needs than to be in a bind,” he said.
Second, aspects of the further development of financial technology (fintech). Digital technology makes financial transactions electronically possible today. Potential customers apply for loans online with administrative requirements, then the borrowers check the data, among other things by accessing the data check at Dukcapil. Then check with CAMILAN (camera, microphone, location).
Third, the regulatory aspect. OJK enables IMEI access. OJK considers it very risky if Pinjol’s data access is only via Snack. There are those whose cell phones are able to apply for loans multiple times with different loans as long as the SIM cards are different. With IMEI access, the potential for such double debt can be avoided.
Also Read: West Java Police Calls For Victims Of Illegal Credit Intimidation To Report To The Police Immediately
This Yogyakarta constituency politician revealed that this is where the facts about irregularities in the area lie. This IMEI access can see all the contents of the mobile phone, not only names and contact numbers, but also video files, photos, chat history and others. “This is a credit instrument to threaten customers who are late or don’t pay their installments. There are customers who are threatened with borrowing by distributing their personal content to their contacts,” he said.
Of the 3 above, Sukamta emphasizes regulations and guidelines that are upstream issues. So far, this illegal pinjol crime can be punished with the ITE law, for example in the case of threats and intimidation as well as the dissemination of immoral content.
The ITE law, supplemented by PP No. 71 of 2022 on PSTE, also authorizes the government to end access (blocking) of content that violates laws and regulations.
Also read: The government is temporarily stopping issuing new legal loan approvals
“But it needs to be perfected in terms of personal data protection, so the Personal Data Protection Act, which has so far been bogged down, needs to be pushed forward so that it can be finalized and ratified immediately,” he said.
Sukamta urged that the OJK policy that allowed IMEI access to PINjol be removed. A data check that is integrated with Dukcapil data plus SLIK / Financial Information Service System of the OJK (formerly BI check) should be sufficient.
“It also integrates the data with the NIK and KK numbers. SLIK can also determine customer credit history and performance. Hopefully, if this upstream problem is resolved, the downstream problems will be easier to overcome,” he asked.