{"id":5313,"date":"2024-10-26T12:00:25","date_gmt":"2024-10-26T05:00:25","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=5313"},"modified":"2026-08-20T13:04:50","modified_gmt":"2026-08-20T06:04:50","slug":"kelas-menengah-minim-literasi-keuangan","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/gaya-hidup\/kelas-menengah-minim-literasi-keuangan\/","title":{"rendered":"Wah, Kelas Menengah Minim Literasi Keuangan? Kok, Banyak yang Terjerat Pinjol"},"content":{"rendered":"

<\/p>\n

Kelas menengah ternyata memang minim literasi keuangan, terbukti dari data BPS Maret 2022 yang menunjukkan 45,2 persen pengguna pinjaman online berasal dari kelompok ini. Meski memiliki penghasilan cukup untuk membayar, mereka memilih pinjol karena kemudahan proses dan kebutuhan dana instan, padahal risikonya tinggi dengan bunga yang besar. Memahami cara mengelola keuangan dengan bijak dan mengecek skor kredit sebelum mengajukan pinjaman bisa membantu kelas menengah terhindar dari jerat utang pinjol.<\/p>\n

Apakah kelas menengah minim literasi keuangan, kebetulan banyak dari mereka yang menggunakan pinjol (pinjaman <\/span>online<\/span><\/i>).\u00a0<\/span><\/p>\n

<\/p>\n

Laman berita daring Kompas.com sempat mengolah Data Mikro Susenas (Survei Sosial Ekonomi Nasional) Badan Pusat Statistik (BPS) pada Maret 2022.\u00a0<\/span><\/p>\n

Ada banyak <\/span>insight<\/span><\/i> yang didapatkan dari data riset tersebut. Salah satunya gangguan mental karena pinjol.\u00a0<\/span><\/p>\n

Blog Skorlife<\/a> akan membahasnya lebih lanjut mengenai literasi yang dimiliki oleh kaum kelas menengah dengan merangkum berbagai sumber.\u00a0<\/span><\/p>\n

Data yang sama juga mengungkapkan bahwa dari 524.953 orang yang mengambil pinjaman <\/span>online<\/span><\/i>, ternyata sekitar 45,2 persen adalah kelas menengah.\u00a0<\/span><\/p>\n

Sebanyak 32,7 persennya adalah masyarakat kelas bawah, dan sisanya 22,1 persennya adalah masyarakat kelas atas.\u00a0<\/span><\/p>\n

\"Wah,<\/figure>\n

“Dalam data tersebut ada kelompok keluarga miskin, keluarga menengah, dan keluarga kaya. Nyatanya yang banyak mengambil pinjol adalah keluarga kelas menengah,” ujar tim Jurnalisme Data Harian Kompas Albertus Krisna.<\/span><\/p>\n

Hampir separuh dari pemakai pinjol adalah kaum kelas menengah yang sejatinya tidak terlalu memerlukan pinjaman ini.\u00a0<\/span><\/p>\n

“Itu menjadi menarik, karena sebenarnya mereka ini ada kesempatan untuk bisa mengakses ekonomi yang lebih bagus, tetapi malah mengambil pinjol,” kata Krisna.\u00a0<\/span><\/p>\n

Apakah Kelas Menengah Minim Literasi Keuangan Lantaran Mengakses Pinjol\u00a0<\/strong><\/h2>\n

Hmm, menarik ya kenapa kaum menengah ini malah memilih pinjaman <\/span>online<\/span><\/i>, ketimbang pilihan lainnya. Apakah benar mereka minim literasi?<\/span><\/p>\n

Situs berita daring Goodstats.id melansir sejumlah alasan kenapa kalangan kelas menengah memilih pinjol.\u00a0<\/span><\/p>\n

1. Kebutuhan Dana Instan<\/strong><\/h3>\n

Kelas menengah membutuhkan dana instan yang akan dipakai untuk sejumlah keperluan. Pilihan paling mudah adalah pinjol.\u00a0<\/span><\/p>\n

Apalagi, tidak semua orang juga memiliki kartu kredit yang bisa digunakan untuk dana instan.\u00a0<\/span><\/p>\n

2. Punya Dana yang Cukup untuk Membayar, Tetapi Tidak Punya Aset untuk Jadi Jaminan\u00a0<\/strong><\/h3>\n

Mereka juga mempunyai penghasilan atau gaji yang cukup untuk membayar kembali pinjaman tersebut.\u00a0<\/span><\/p>\n

Namun, mereka memang tidak punya aset yang cukup untuk dijadikan agunan atau jaminan kalau meminjam ke bank.\u00a0<\/span><\/p>\n

\"Wah,<\/figure>\n

Hal tersebut membuat kaum kelas menengah memilih pinjaman <\/span>online<\/span><\/i> dibandingkan kredit dari bank.\u00a0<\/span><\/p>\n

3. Proses Pinjaman Online yang Mudah<\/strong><\/h3>\n

Salah satu hal yang menarik dari pinjol adalah proses yang cepat dan mudah. Konsumen hanya perlu mengisi sejumlah informasi saja.\u00a0<\/span><\/p>\n

Hal ini berbeda dengan bank konvensional yang membutuhkan sejumlah dokumen. Bahkan, prosesnya juga lebih lama.\u00a0<\/span><\/p>\n

Namun, masih banyak pengguna pinjol yang tidak mengetahui efek jangka panjang dari pinjaman ini, apalagi bunganya memang tinggi.\u00a0<\/span><\/p>\n

Kelas menengah memang punya daya beli yang lebih baik dibandingkan kelas bawah, tetapi tetap saja ada kemungkinan terjebak utang.\u00a0<\/span><\/p>\n

Jika kamu ingin mempelajari usaha kecil dari rumah atau investasi emas, kamu bisa membaca sejumlah artikel blog Skorlife<\/a>.\u00a0<\/span><\/p>\n

Ingin memulai bisnis kecil dengan membeli toko melalui pembiayaan ke bank, cek dulu skor kredit lewat aplikasi Skorlife<\/a>.\u00a0<\/span><\/p>\n

Yuk, ajukan aplikasi untuk mendapatkan Mayapada Skorcard<\/a>, kartu kredit yang memberikan banyak kelebihan termasuk Skorpoin untuk membayar tagihan.\u00a0<\/span><\/p>\n

Pusing dengan rutinitas setiap hari, yuk <\/span>staycation<\/span><\/i> bersama keluarga, tetapi baca dulu rekomendasi hotel dan tempat wisata di blog Skorcard<\/a>.\u00a0<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Kelas menengah ternyata memang minim literasi keuangan, terbukti dari data BPS Maret 2022 yang menunjukkan 45,2 persen pengguna pinjaman online<\/p>\n","protected":false},"author":15,"featured_media":5333,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","footnotes":"","jetpack_post_was_ever_published":false},"categories":[29],"tags":[98],"class_list":["post-5313","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gaya-hidup","tag-pinjol"],"acf":[],"yoast_head":"\nWah, Kelas Menengah Minim Literasi Keuangan?<\/title>\n<meta name=\"description\" content=\"Apakah kelas menengah minim literasi keuangan, kebetulan banyak dari mereka yang menggunakan pinjol (pinjaman online).\u00a0\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/kelas-menengah-minim-literasi-keuangan\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Wah, Kelas Menengah Minim Literasi Keuangan?\" \/>\n<meta property=\"og:description\" content=\"Apakah kelas menengah minim literasi keuangan, kebetulan banyak dari mereka yang menggunakan pinjol (pinjaman online).\u00a0\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/kelas-menengah-minim-literasi-keuangan\/\" \/>\n<meta property=\"og:site_name\" content=\"Skorlife\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/skorlife\" \/>\n<meta property=\"article:published_time\" content=\"2024-10-26T05:00:25+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-20T06:04:50+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Kelas-Menengah-Minim-Literasi-Keuangan.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"829\" \/>\n\t<meta property=\"og:image:height\" content=\"552\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Skor\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@SkorLifeID\" \/>\n<meta name=\"twitter:site\" content=\"@SkorLifeID\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Skor\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"3 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/skorlife.com\\\/blog\\\/gaya-hidup\\\/kelas-menengah-minim-literasi-keuangan\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skorlife.com\\\/blog\\\/gaya-hidup\\\/kelas-menengah-minim-literasi-keuangan\\\/\"},\"author\":{\"name\":\"Skor\",\"@id\":\"https:\\\/\\\/skorlife.com\\\/blog\\\/#\\\/schema\\\/person\\\/f7c8cd1df09e2a582e33f814c76bdccd\"},\"headline\":\"Wah, Kelas Menengah Minim Literasi Keuangan? 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