{"id":179398,"date":"2023-09-12T10:05:23","date_gmt":"2023-09-12T03:05:23","guid":{"rendered":"https:\/\/nawacita.co\/?p=179398"},"modified":"2023-09-12T10:08:17","modified_gmt":"2023-09-12T03:08:17","slug":"sebagian-besar-pengguna-pinjol-dan-paylater-merupakan-penduduk-unbanked","status":"publish","type":"post","link":"https:\/\/nawacita.co\/index.php\/2023\/09\/12\/sebagian-besar-pengguna-pinjol-dan-paylater-merupakan-penduduk-unbanked\/","title":{"rendered":"Sebagian Besar Pengguna Pinjol dan Paylater merupakan Penduduk Unbanked"},"content":{"rendered":"<h1>Sebagian Besar Pengguna Pinjol dan Paylater merupakan Penduduk Unbanked<\/h1>\n<p><strong>Jakarta, <a href=\"https:\/\/nawacita.co\">Nawacita<\/a><\/strong> | Sebagian besar pengguna pinjol dan <em>pay later<\/em> merupakan penduduk yang masuk kategori <em>unbanked <\/em>dan <em>underbanked<\/em>. Hal itu dikatakan oleh Peneliti ekonomi digital Institute for Development of Economics and Finance (Indef) Nailul Huda.<\/p>\n<p>\u201cMasyarakat kita itu masih banyak\u00a0<em>unbanked<\/em>\u00a0dan\u00a0<em>underbanked<\/em>, di mana <em>unbanked<\/em> sama <em>underbanked <\/em>ini tidak bisa diservis oleh layanan perbankan formal, dan ini yang menyebabkan banyak sekali masyarakat yang akhirnya memilih pinjaman online ataupun pay later untuk pembiayaan mereka, baik itu konsumtif maupun produktif,\u201d ujar Nailul Huda dalam Diskusi Publik &#8220;Bahaya Pinjaman Online Bagi Penduduk Usia Muda\u201d secara virtual diikuti di Jakarta, Senin (11\/9\/2023).<\/p>\n<p>Hingga Desember 2022, pertumbuhan\u00a0pinjol\u00a0sebesar 71 persen dan 18 persen hingga Juli 2023. Adapun pertumbuhan\u00a0<em>paylater<\/em>\u00a0diperkirakan rata-rata 32,5 persen per tahun sejak 2022 hingga 2028.<\/p>\n<figure id=\"attachment_179399\" aria-describedby=\"caption-attachment-179399\" style=\"width: 800px\" class=\"wp-caption aligncenter\"><a href=\"https:\/\/nawacita.co\/index.php\/2023\/09\/12\/sebagian-besar-pengguna-pinjol-dan-paylater-merupakan-penduduk-unbanked\/32cdcf1592b4d892abb4690ebd0df028\/\" rel=\"attachment wp-att-179399\"><img loading=\"lazy\" decoding=\"async\" class=\"size-full wp-image-179399\" src=\"https:\/\/nawacita.co\/wp-content\/uploads\/2023\/09\/32cdcf1592b4d892abb4690ebd0df028-e1694487856888.jpg\" alt=\"Pengguna Pinjol Unbanked\" width=\"800\" height=\"533\" \/><\/a><figcaption id=\"caption-attachment-179399\" class=\"wp-caption-text\">ilustrasi pinjol<\/figcaption><\/figure>\n<p>Menurut dia, peningkatan penggunaan pinjol tidak dibarengi dengan\u00a0<em>financial knowledge<\/em>, dan literasi keuangan yang masih bertahan di angka 49 persen pada tahun 2022.<\/p>\n<p>\u201cIni yang menyebabkan akhirnya banyak sekali masyarakat kita yang akhirnya mereka mau pinjam di pinjol, tapi pinjaman yang ilegal, bukan yang legal, karena literasi keuangan mereka rendah dan kemampuan\u00a0<em>financial knowledge<\/em>\u00a0mereka juga relatif rendah,\u201d ucap Nailul.<\/p>\n<p>Rata-rata\u00a0<em>financial knowledge<\/em>\u00a0pengguna pinjol dinilai rendah, sehingga mereka masuk ke dalam karakteristik peminjam yang memiliki kredit macet.<\/p>\n<p><strong>Baca Juga:\u00a0<a href=\"https:\/\/nawacita.co\/index.php\/2023\/08\/03\/satgas-temukan-434-tawaran-pinjol-ilegal\/\">Satgas Temukan 434 Tawaran Pinjol Ilegal<\/a><\/strong><\/p>\n<p>Per Juni 2023, mereka yang berada di bawah usia 19 tahun memiliki rata-rata\u00a0kredit macet\u00a0Rp 2 juta dan Rp 2,2 juta untuk mereka yang masuk kategori usia 19-34 tahun.<\/p>\n<p>\u201cKredit macet untuk yang usia muda itu ternyata meningkat di awal tahun 2022 sampai pertengahan tahun 2022. Nah, fenomena ini memang sangat, ya kalau kita bilang ini sangat\u00a0<em>lost<\/em> sekali, di mana usia 19 tahun ke bawah itu sudah masuk ke kredit macet,\u201d ungkapnya. <strong>antr<\/strong><\/p>\n","protected":false},"excerpt":{"rendered":"<p>Sebagian Besar Pengguna Pinjol dan Paylater merupakan Penduduk Unbanked Jakarta, Nawacita | Sebagian besar pengguna pinjol dan pay later merupakan penduduk yang masuk kategori unbanked dan underbanked. Hal itu dikatakan oleh Peneliti ekonomi digital Institute for Development of Economics and Finance (Indef) Nailul Huda. \u201cMasyarakat kita itu masih banyak\u00a0unbanked\u00a0dan\u00a0underbanked, di mana unbanked sama underbanked ini [&hellip;]<\/p>\n","protected":false},"author":1459,"featured_media":179400,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"footnotes":""},"categories":[34],"tags":[64130,39428,47654,41929,21815,64128,64129],"class_list":{"0":"post-179398","1":"post","2":"type-post","3":"status-publish","4":"format-standard","5":"has-post-thumbnail","7":"category-ekonomi-dan-bisnis","8":"tag-financial-knowledge","9":"tag-kredit-macet","10":"tag-literasi-keuangan","11":"tag-paylater","12":"tag-pinjol","13":"tag-unbanked","14":"tag-underbanked"},"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v27.5 - https:\/\/yoast.com\/product\/yoast-seo-wordpress\/ -->\n<title>Sebagian Besar Pengguna Pinjol dan Paylater merupakan Penduduk Unbanked<\/title>\n<meta name=\"description\" content=\"Jakarta, Nawacita | Sebagian besar pengguna pinjol dan pay later merupakan penduduk yang masuk kategori unbanked dan underbanked. 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