Analisis Generasi Muda Terjebak Pusaran Hutang Pinjaman Online Akibat Lifestyle Di Kota Cimahi

ica, Ica Mawarni
Ageng Saepudin Kanda. S

Jurnal Ilmiah Research Student
Vol. 1 No. 3 (2024): Januari

Abstrak. This research discusses the impact of using online loans on the lifestyle of the younger generation in Cimahi City. Through interviews and questionnaires, it was found that online loans can have a negative impact on their lifestyle, including financial stress, risk of debt, and changes in savings habits. The importance of understanding and awareness of the risks of online loans, especially illegal ones, needs to be emphasized. Better education regarding financial management and safer financing alternatives for the younger generation is needed. In addition, regulations and supervision of online loan services need to be strengthened to protect consumers, especially young people, from harmful practices. This research uses a qualitative approach with field research methods. Subjects and informants were selected using the Snowball Sampling technique. Data was collected through observation, interviews and documentation to gain an in-depth understanding of the impact of online loans on the younger generation. Abstrak. Penelitian ini membahas dampak penggunaan pinjaman online terhadap gaya hidup generasi muda di Kota Cimahi. Melalui wawancara dan kuisioner, ditemukan bahwa pinjaman online dapat memberikan dampak negatif terhadap pola hidup mereka, termasuk tekanan finansial, risiko utang, dan perubahan kebiasaan menabung. Pentingnya pemahaman dan kesadaran terhadap risiko pinjaman online, terutama yang ilegal, perlu ditekankan. Diperlukan edukasi yang lebih baik mengenai pengelolaan keuangan dan alternatif pembiayaan yang lebih aman bagi generasi muda. Selain itu, regulasi dan pengawasan terhadap layanan pinjaman online perlu diperkuat untuk melindungi konsumen, khususnya anak muda, dari praktik yang merugikan. Penelitian ini menggunakan pendekatan kualitatif dengan metode penelitian lapangan. Subjek dan informan dipilih menggunakan teknik Snowball Sampling. Data dikumpulkan melalui observasi, wawancara, dan dokumentasi untuk mendapatkan pemahaman mendalam tentang dampak pinjaman online terhadap generasi muda.