{"id":5314,"date":"2024-10-27T12:00:33","date_gmt":"2024-10-27T05:00:33","guid":{"rendered":"https:\/\/skorlife.com\/blog\/?p=5314"},"modified":"2026-08-20T13:04:44","modified_gmt":"2026-08-20T06:04:44","slug":"pinjol-bikin-miskin","status":"publish","type":"post","link":"https:\/\/skorlife.com\/blog\/gaya-hidup\/pinjol-bikin-miskin\/","title":{"rendered":"Waduh, Pinjol Bikin Miskin. Pinjol Ilegal dan Judol Jadi Kombinasi Orang Miskin Tambah Kere"},"content":{"rendered":"

<\/p>\n

Pinjol bikin miskin memang bukan sekadar ungkapan, terutama ketika pinjaman online ilegal dikombinasikan dengan judi online yang menjerat masyarakat dalam jeratan utang berlapis. Sejak 2018 hingga Oktober 2021, OJK telah memblokir 4.873 platform pinjol ilegal yang memanfaatkan 115 juta masyarakat rentan miskin sebagai target empuk. Kondisi ini diperparah dengan bunga tinggi, denda mencekik, dan penyalahgunaan data pribadi yang membuat korban semakin terpuruk dalam kemiskinan ekstrem.<\/p>\n

Hmm, ternyata pinjol bikin miskin, apalagi kalau pinjaman <\/span>online<\/span><\/i>-nya ilegal ditambah dengan kebiasaan judi <\/span>online<\/span><\/i> (judol).\u00a0<\/span><\/p>\n

Belakangan, masyarakat Indonesia yang terjerat utang lewat pinjaman <\/span>online<\/span><\/i> (pinjol) legal atau ilegal semakin bertambah.\u00a0<\/span><\/p>\n

Hal ini memang terkait dengan meningkatnya tingkat kemiskinan, termasuk kemiskinan pada tingkat yang sudah ekstrem.\u00a0<\/span><\/p>\n

Blog Skorlife<\/a> akan membahasnya lebih lanjut dengan merangkum dari situs berita <\/span>online<\/span><\/i> CNBCIndonesia.com, Kumparan.com, dan lainnya.\u00a0<\/span><\/p>\n

Direktur Center of Economic and Law Studies (Celios) Bhima Yudhistira mengatakan pinjol ilegal dapat dikaitkan dengan kebutuhan dana masyarakat.\u00a0<\/span><\/p>\n

Apalagi ketika pandemi Covid-19 melanda, banyak orang yang kehilangan pekerjaan atau harus turun kelas menjadi orang miskin baru.\u00a0<\/span><\/p>\n

“Sebelum pandemi, kelas menengah rentan saja sudah 115 juta orang. Ini target empuk untuk pemasaran pinjol ilegal,” ujar Bhima.<\/span><\/p>\n

Bhima melanjutkan kalau masyarakat rentan miskin jika sudah sudah kalap lantaran kebutuhan mendesak, mereka tidak membaca syarat dan ketentuan pinjaman.\u00a0<\/span><\/p>\n

Mereka tidak peduli bunga tinggi, denda mahal, atau data pribadi akan diambil alias disalahgunakan.\u00a0<\/span><\/p>\n

\"Waduh,<\/figure>\n

Sementara itu, teknologi berkembang pesat dalam beberapa tahun terakhir sehingga <\/span>financial technology<\/span><\/i> (fintech) juga meningkat.\u00a0<\/span><\/p>\n

Padahal, tingkat inklusi keuangan atau akses terhadap layanan keuangan plus literasi keuangan di Indonesia masih bisa dianggap tertinggal.\u00a0<\/span><\/p>\n

Ekonom Center of Reform on Economics (CORE) Yusuf Rendy Manilet mengungkapkan banyak kelompok masyarakat belum tersentuh oleh layanan keuangan.\u00a0<\/span><\/p>\n

Pinjol Bikin Miskin Lantaran Masyarakat Belum Mendapatkan Akses Layanan Keuangan<\/strong><\/h2>\n

Syarat yang relatif mudah dan proses pencairan yang cepat membuat masyarakat melirik pinjaman <\/span>online<\/span><\/i> terutama yang ilegal.\u00a0<\/span><\/p>\n

Masyarakat tidak punya pilihan untuk meminjam ke saudara, teman, atau orang terdekat lainnya karena juga mengalami kesulitan yang sama.\u00a0<\/span><\/p>\n

Sedangkan pilihan mengakses ke bank juga tidak memungkinkan karena biasanya memerlukan jaminan atau lainnya.\u00a0<\/span><\/p>\n

Masyarakat yang tidak punya pilihan selain melirik pinjol legal dan pinjol ilegal, meski dengan risiko yang telah disebutkan di atas.\u00a0<\/span><\/p>\n

Padahal pinjol menjadi sorotan karena banyak orang yang menjadi korban, terutama pinjol ilegal yang memang meresahkan.\u00a0<\/span><\/p>\n

Modus Pinjol Ilegal<\/strong><\/h2>\n

Otoritas Jasa Keuangan (OJK) mengungkapkan Satuan Satgas Waspada Investasi sudah memutus akses terhadap 4.873 platform ilegal sejak tahun 2018 hingga 10 Oktober 2021.<\/span><\/p>\n

By the way<\/span><\/i>, polisi juga sudah menguak adanya fenomena baru saat itu. Ada pinjol ilegal terungkap ketahuan \u201cbekerja sama\u201d dengan pinjol resmi atau legal di bawah naungan OJK.\u00a0<\/span><\/p>\n

\"Waduh,<\/figure>\n

Pinjol ilegal dan pinjol legal berbagi data nasabah yang tidak mampu membayar cicilan, lantas memberikan rekomendasi agar konsumen melakukan pinjaman lagi.\u00a0<\/span><\/p>\n

Hmm, kira-kira seperti gali lubang tutup lubang. Nasabah tidak bisa membayar di pinjol ilegal, kemudian diarahkan untuk meminjam ke pinjol legal.\u00a0<\/span><\/p>\n

Selain itu, saat ini ditengarai oleh pelaku pinjol juga melakukan judol (judi <\/span>online<\/span><\/i>). Mereka yang doyan judi memilih meminjam ke pinjol lantaran mudah.\u00a0<\/span><\/p>\n

Situs Viva.co.id mengutip Menteri Komunikasi dan Informatika (Menkominfo) Budi Arie Setiadi yang memaparkan data Pusat Pelaporan dan Analisa Transaksi Keuangan atau PPATK.<\/span><\/p>\n

Ia merupakan Menkominfo pada 2023-2024, saat pemerintahan Presiden Joko Widodo.\u00a0<\/span><\/p>\n

Ada 4 juta orang tergoda judi <\/span>online<\/span><\/i>. Transaksi total dari judol sudah mencapai Rp600 triliun pada kuartal (tiga bulan) pertama 2024.\u00a0<\/span><\/p>\n

Wah, kalau sudah terjerat pinjol dan judol secara bersamaan, seperti apa ya? Semoga kamu tidak termasuk.<\/span><\/p>\n

Kalau kamu berencana mengatur keuangan dan berinvestasi properti, baca artikel-artikel terbaru blog Skorlife<\/a>.\u00a0<\/span><\/p>\n

Jangan lewatkan untuk mengecek skor kredit melalui aplikasi Skorlife<\/a> kalau kamu ingin mengajukan kredit ke bank untuk membeli apartemen.<\/span><\/p>\n

Pakai kartu kredit Mayapada Skorcard<\/a> untuk membayar belanja bulanan, <\/span>traveling<\/span><\/i>, dan lainnya. Kumpulkan Skorpoin yang bisa digunakan untuk membayar tagihan.\u00a0<\/span><\/p>\n

Artikel-artikel terbaru blog Skorcard<\/a> bisa memberikan rekomendasi bagi kamu yang berencana <\/span>healing<\/span><\/i> ke luar kota.<\/span><\/p>\n","protected":false},"excerpt":{"rendered":"

Pinjol bikin miskin memang bukan sekadar ungkapan, terutama ketika pinjaman online ilegal dikombinasikan dengan judi online yang menjerat masyarakat dalam<\/p>\n","protected":false},"author":15,"featured_media":5334,"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-5314","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-gaya-hidup","tag-pinjol"],"acf":[],"yoast_head":"\nWaduh, Pinjol Bikin Miskin<\/title>\n<meta name=\"description\" content=\"Hmm, ternyata pinjol bikin miskin, apalagi kalau pinjaman online-nya ilegal ditambah dengan kebiasaan judi online (judol)\" \/>\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\/pinjol-bikin-miskin\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Waduh, Pinjol Bikin Miskin\" \/>\n<meta property=\"og:description\" content=\"Hmm, ternyata pinjol bikin miskin, apalagi kalau pinjaman online-nya ilegal ditambah dengan kebiasaan judi online (judol)\" \/>\n<meta property=\"og:url\" content=\"https:\/\/skorlife.com\/blog\/gaya-hidup\/pinjol-bikin-miskin\/\" \/>\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=\"2024-10-27T05:00:33+00:00\" \/>\n<meta property=\"article:modified_time\" content=\"2026-08-20T06:04:44+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/skorlife.com\/blog\/wp-content\/uploads\/2024\/10\/Pinjol-Bikin-Miskin.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"806\" \/>\n\t<meta property=\"og:image:height\" content=\"537\" \/>\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\\\/pinjol-bikin-miskin\\\/#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/skorlife.com\\\/blog\\\/gaya-hidup\\\/pinjol-bikin-miskin\\\/\"},\"author\":{\"name\":\"Skor\",\"@id\":\"https:\\\/\\\/skorlife.com\\\/blog\\\/#\\\/schema\\\/person\\\/f7c8cd1df09e2a582e33f814c76bdccd\"},\"headline\":\"Waduh, Pinjol Bikin Miskin. 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