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All Journal Jurnal Kajian Komunikasi dan Pembangunan Daerah
Akbar, Ananto
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Humanities Languange, Linguistic, Communication & Media

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TANGGAPAN PENGGUNA PINJAMAN ONLINE DITINJAU DARI ELABORATION LIKELIHOOD MODEL Hidayati, Ratih Kurnia; Akbar, Ananto; Irwandy, Deddy
DIALEKTIKA KOMUNIKA: Jurnal Kajian Komunikasi dan Pembangunan Daerah Vol. 12 No. 1 (2024): DIALEKTIKA KOMUNIKA: Jurnal Kajian Komunikasi dan Pembangunan Daerah
Publisher : Universitas Islam Syekh Yusuf

Show Abstract | Download Original | Original Source | Check in Google Scholar | DOI: 10.33592/dk.v12i1.4815

Abstract

Online loans have become a popular phenomenon in the modern financial sector, allowing individuals to obtain additional funds quickly and easily without complicated procedures at banks. Despite its convenience, online lending also faces challenges such as the risk of fraud, lack of financial understanding and the problem of missed payments. This article discusses the growth of online lending in Indonesia, starting with the emergence of Financial Technology (fintech) companies that combine finance with information technology. The Financial Services Authority (OJK) notes that most online loans are used for financing Micro, Small and Medium Enterprises (MSMEs). However, there is also the phenomenon of online loans that cause problems in society. Financial education is crucial in improving people's understanding of finance and managing online loans responsibly. In recent years, the use of debt to meet the needs of life has increased, but self-control in borrowing decisions is affected by the supply side. In conclusion, it is important to understand both the benefits and risks of online lending and the importance of financial literacy in managing personal finances.
Co-Authors Irwandy, Deddy Ratih Kurnia Hidayati