Borrow or loan online is booming right now. The ease of how to manage so that you can immediately get a money loan, is the main attraction, especially in the difficult conditions of the covid-19 pandemic.
Even so, you need to be careful. The reason is that it can be very detrimental, if you are involved in illegal lending. Quote from CNBC Indonesia, they provide loan interest that is too high and fee which tends to be unusual.
In addition, the collection method is also quite intimidating, making the borrower feel uncomfortable.
Tips for Recognizing Illegal Loaning Mode
Fake Online Borrowing/ Photo: Fake Online Borrowing (Fauzan Kamil/Infografis detikcom)
So that you don’t get caught up in that unpleasant experience, the Financial Services Authority (OJK) provides information related to the loan offer mode, including:
1. Borrowing Offer Mode Via WA/SMS
Marked by appearing via SMS or WA from an unknown number, then claiming that you can apply for a loan without any conditions.
Fact: Legal or legal fintech lending, registered and licensed at OJK it is prohibited to submit offers through private means of communication, without user consent you know, Beauties.
In addition, even in applying for a loan, prospective borrowers must meet a number of requirements whose purpose is to mitigate the risks that must be borne by the bank platform and its users.
2. Directly Transfer to Victim’s Account
Illegal lenders will immediately transfer some money to the victim’s account, where the victim has never borrowed funds from the lender. Later, the loan will be able to terrorize and collect fines when it is overdue.
Beware of illegal borrowing. /freepik.com/cookie_studio/
3. Name Replication Similar to Legal Fintech Lending
You have to be observant, illegal pinjol also advertises its products with names that can only be different spaces, one letter, upper / lower case which is very similar to fintech legal. The goal is to trick the victim. There is even an illegal lender that has the OJK logo on it.
If you really feel you need funds and want to apply for a loan, then for security and convenience, you should only choose legal ones, Beauties. You can check the list fintech legal in OJK.
Also make sure you measure your abilities and understand the fees, interest, timeframe, and risks before applying for a loan.
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(fip / fip)