<![CDATA[ ABSTRACTThe phenomenon of online lending (pinjol) in Indonesia, particularly in South Tangerang, has evolved into a complex issue that affects economic, social, and psychological aspects. Easy access and low financial literacy make individuals highly vulnerable to high-interest debt and aggressive debt collection practices. These conditions often trigger severe psychological distress such as chronic anxiety, major depression, and even suicidal ideation. This study aims to examine the effectiveness of psychoreligious intervention in reducing depression, mental disorders, and suicide risk among online loan victims. A quantitative quasi-experimental design was employed, using pre-test and post-test with a total of 80 respondents divided equally into intervention and control groups. Standardized instruments including the Beck Depression Inventory (BDI), General Health Questionnaire (GHQ), and Suicide Ideation Scale (SIS) were applied. Data were analyzed using an independent t-test. The findings revealed a significant difference between the intervention and control groups (p < 0.05), with the intervention group showing more favorable outcomes. Psychoreligious intervention proved effective in reducing depressive symptoms and improving mental well-being among victims of online loans. These results highlight the potential of Islamic spirituality-based approaches as both preventive and curative strategies, contributing to suicide prevention efforts and strengthening the psychological resilience of vulnerable communities. ABSTRAKFenomena pinjaman online (pinjol) di Indonesia, khususnya di Tangerang Selatan, telah berkembang menjadi persoalan kompleks yang berdampak pada aspek ekonomi, sosial, dan psikologis. Kemudahan akses dan rendahnya literasi keuangan membuat masyarakat mudah terjerat utang berbunga tinggi dengan praktik penagihan yang intimidatif. Kondisi ini menimbulkan tekanan psikologis serius berupa kecemasan, depresi, hingga risiko bunuh diri. Penelitian ini bertujuan menganalisis efektivitas intervensi psikoreligius dalam menurunkan depresi, gangguan mental, dan ideasi bunuh diri pada korban pinjol. Metode penelitian menggunakan pendekatan kuantitatif dengan desain quasi-experimental (pre-test dan post-test) melibatkan 80 responden yang terbagi dalam kelompok intervensi dan kontrol. Instrumen yang digunakan antara lain Beck Depression Inventory (BDI), General Health Questionnaire (GHQ), dan Suicide Ideation Scale (SIS). Analisis data dilakukan menggunakan uji t-test independen. Hasil penelitian menunjukkan adanya perbedaan signifikan antara kelompok intervensi dan kontrol (p < 0,05), dengan nilai rata-rata lebih baik pada kelompok intervensi. Intervensi psikoreligius terbukti efektif dalam menurunkan tingkat depresi dan meningkatkan kesejahteraan mental korban pinjol. Temuan ini menegaskan pentingnya penerapan pendekatan berbasis spiritualitas Islam sebagai strategi preventif dan kuratif, sekaligus memberikan kontribusi pada upaya pencegahan bunuh diri serta penguatan ketahanan psikologis masyarakat rentan.]]>
