{"id":5313,"date":"2024-10-26T12:00:25","date_gmt":"2024-10-26T05:00:25","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=5313"},"modified":"2024-10-24T10:42:30","modified_gmt":"2024-10-24T03:42:30","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":"

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

“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

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":"

Apakah kelas menengah minim literasi keuangan, kebetulan banyak dari mereka yang menggunakan pinjol (pinjaman online).\u00a0<\/p>\n","protected":false},"author":15,"featured_media":5333,"comment_status":"open","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"footnotes":""},"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=\"2024-10-24T03:42:30+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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