Pinjol in Galbay: Tips and How to Get

Lutfi

How to Get Pinjol
How to Get Pinjol

Rancakmedia.com – Pinjol in Galbay Failure to pay loans to peer lenders or fintech providers (online/loans) in Fintech has a number of consequences. This applies to both legal and illegal loans.
To minimize this risk, prospective debtors should carefully check the loan amount they are entitled to repay. Furthermore, prospective debtors must also thoroughly understand the loan conditions, including interest, fines or penalties, collection period, etc.

Flower Swelling

In contrast to loan interest, loan interest tends to be greater. This situation often causes cases of loan bills that increase several times the main loan.

Most recently, the case of Melati (not her real name). The kindergarten teacher borrowed IDR 2,5 million through a loan and had to pay the loan bill, interest and penalties of IDR 40 million.

High interest loans are often illegal loans. Meanwhile, interest rules and loan legal sanctions are regulated by the Indonesian Fintech Association (AFPI).

Adrian Gunadi, General Chair of AFPI, stated that AFPI's code of ethics stipulates that loan or interest charges must not exceed 0,8 percent every day. Meanwhile, the overall loan interest, including late fees, is 100% of the principal value of the loan.

How to Get an Online Loan

Repression of Debt Collectors

Not only do costs increase, debtors also have to accept intimidating debt collector bills. For example, in Melati's case, she admitted that she was terrorized by debt collectors via SMS and telephone, ranging from harsh words to death threats.

“I've been told, monkey, dog. I kill you until they say. My photo was also threatened with being distributed on social media,

This also usually happens with illicit loans. Meanwhile, collection techniques for legitimate loans are regulated no later than 90 days from the due date. AFPI is also preparing certification for all billing staff so that customers who receive large bills can complain.

Pinjol in Galbay Information Disseminated

Another risk of loan default is sharing personal information. This happens when borrowing is illegal.
As reflected in Melati's case, debt collectors were accused of illegally obtaining and collecting cellphone data from Melati. It didn't stop there, the debt collectors contacted a number of friends, students and guardians of the Melati school.

In fact, one of the debt collectors formed a WhatsApp group called 'Peduli Debt Melati' which consists of parents and their friends. Melati's picture and ID card were distributed to the entire group, along with words that humiliated Melati.

Borrow in Galbay While Legal OJK Loans Can Only Access 'snacks' Such as Cameras, Microphones and Locations.

Blacklist of stubborn debtors
Legitimate borrowers must also be willing to face the consequences if they are frequently in arrears. The reason is, AFPI is building a loan data center that includes "bad" debtors who often fail to pay their debts. The goal is to predict non-performing loans on loans.

Andi Taufan Garuda Putera, Head of Public Relations at AFPI, said that the Fintech data center already has 138 platforms (FDC). Up to six million borrowers' data has been collected by the data center.

“We have created a fintech data center, one of which can be used to see which borrowers are having difficulties and which members have been banned. "Other platforms are joining FDC so they will not distribute loans to these buyers," he said in February. at the AFPI Online Press Club.

Conclusion:

Failure to pay loans to peer lenders or fintech providers (online/loans) in Fintech has a number of consequences for Pinjol in Galbay. In contrast to loan interest, loan interest tends to be greater. This situation often causes cases of loan bills that increase several times the main loan. Not only do costs increase, debtors also have to accept intimidating debt collector bills. OJK legal loans can only access 'snacks' such as cameras, microphones and locations.

AFPI is building a loan data center that includes “bad” debtors who frequently fail to pay their debts. The goal is to predict non-performing loans on loans. Other platforms joining FDC will not provide loans to such buyers.

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Lutfi

Hi, let me introduce myself, Lutfi Hulasoh, I am a writer and techno blogger. I started creating a personal blog writing informative articles about the latest trends and developments in technology. My writing covers a wide range of topics, from mobile applications to artificial intelligence, and I can also provide easy-to-understand explanations to help readers understand complex concepts.