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All Journal MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial
Amalia Nurhaliza
Program Studi Pendidikan Sosiologi dan Antropologi, Universitas Negeri Sebelas Maret
Humanities Education Social Sciences

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Analisis Penggunaan dan Dampak Layanan Utang Online Ilegal oleh Masyarakat di Surakarta Amalia Nurhaliza; Abdul Rahman; Danang Purwanto
MUKADIMAH: Jurnal Pendidikan, Sejarah, dan Ilmu-ilmu Sosial Vol 6, No 2 (2022)
Publisher : Prodi Pendidikan Sejarah Fakultas Keguruan dan Ilmu Pendidikan Universitas Islam Sumatera

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.30743/mkd.v6i2.5585

Abstract

Globalization has provided an impact on the development of increasingly advanced technology, one of which is in the field of finance with the emergence of financial technology. There are four types of technology financial services, one of which is currently developing in Indonesia is online debt services.  This study discusses the use and impact of illegal online debt services by the public. This research uses descriptive qualitative research methods with a case study approach. The data were collected by conducting interviews with six selected informants using side purposive techniques. The results showed that the reason for using online debt services to pay for children's schooling, business capital, meet daily living needs, and pay previous debts. The driving factors are easy terms, fast processes, no collateral, and difficulty obtaining debt in other formal financial institutions. The impact is mainly intimidative collection and misuse of personal data to collect debts accompanied by threats that interfere with the economic, social and psychological comfort of illegal online debt borrowers.
Co-Authors Abdul Rahman Danang Purwanto