Mendeteksi Ciri Lembaga Pinjaman Online Ilegal

Pinjaman online di zaman modern ini, semakin marak kita temui di berbagai macam aplikasi atau website. Pinjaman online memang sangat membantu bagi Anda yang mungkin membutuhkan uang dengan cepat. Namun, sebelum melakukan pinjaman secara online, Anda harus waspada pinjaman online yang ilegal. Ada berbagai macam cara untuk mendeteksi ciri lembaga pinjaman online ilegal yang bisa diterapkan. 

Dengan menganalisis ciri-ciri lembaga pinjaman online ilegal, maka dari sini Anda bisa mengetahui lembaga pinjaman ilegal yang ingin Anda percaya untuk melakukan pinjaman. 

Lantas Bagaimana cara mendeteksi ciri lembaga pinjaman online ilegal? Berikut uraiannya.

Ciri-Ciri Lembaga Pinjaman Online Ilegal

Pinjaman online memang kerap membantu banyak orang yang sekiranya membutuhkan uang dengan jumlah besar secara mendadak. Kemudahan ini pun dimanfaatkan oleh berbagai macam lembaga keuangan untuk mengeluarkan yang namanya produk pinjaman online.

Tidak dapat dipungkiri memang, pinjaman online ini sangat memudahkan masyarakat dalam meminjam uang karena prosesnya cepat dan persyaratannya pun juga ringan. 

Namun, dibalik kemudahan itu, banyak lembaga-lembaga yang memanfaatkan kesempatan ini untuk melakukan penipuan terhadap para peminjam. Untuk itu, sebelum Anda mengajukan pinjaman online Anda harus mendeteksi ciri lembaga pinjaman online ilegal terlebih dahulu dengan melihat ciri-cirinya. 

Apa saja? 

1. Tidak terdaftar di OJK

Untuk mengetahui aplikasi atau website pinjaman online terpercaya Anda bisa melihatnya di statusnya, apakah website atau aplikasi tersebut terdaftar di Otoritas Jasa Keuangan (OJK) atau tidak. 

OJK ini memang suatu lembaga yang mengawasi segala jenis transaksi keuangan. Cara untuk mengetahui pinjaman online tersebut terpercaya atau tidak, Anda bisa mengunjungi situs resmi OJK untuk memeriksanya. 

Caranya cukup mudah, Anda buka situs resmi OJK, lalu pilih menu IKBN, kemudian klik submenu fintech. 

Di halaman tersebut, akan menampilkan sejumlah daftar perusahaan atau website keuangan yang mereka awasi. 

Lembaga keuangan yang memiliki produk pinjaman online legal, dapat diidentifikasi dari adanya pengajuan persyaratan yang diperlukan untuk mendaftar ke OJK. 

Pada pinjol ilegal biasanya syarat untuk mencairkan uang akan sangat mudah, misalnya hanya bermodalkan KTP dan nomor telepon, pinjaman yang Anda ajukan akan bisa disetujui secara langsung. 

2. Promosi via SMS

Yang kedua untuk mendeteksi ciri lembaga pinjaman online ilegal yakni bisa dilihat dengan cara promosi mereka. Biasanya pinjol illegal melakukan promosi via SMS. 

Jika Anda mendapati SMS berupa tawaran pinjaman online, ada baiknya Anda tidak boleh langsung tergoda dengan iming-iming yang ditawarkan. 

Sebab, jika Anda menerima sms promosi pinjaman online tersebut, sudah dapat dipastikan lembaga pinjaman online yang menawarkan jasa tersebut adalah pinjol ilegal. 

Pinjol ilegal memang sering mengatasnamakan dirinya sebagai pinjaman online resmi, yang mana biasanya di sana dicantumkan bahwa mereka diperintah untuk menghubungi nasabah melalui SMS ataupun chat WhatsApp. 

Jadi, di sini anda harus lebih berhati-hati lagi jika mendapatkan SMS mengenai tawaran pinjaman online. 

3. Memiliki bunga pinjaman yang tinggi

Lembaga pinjaman online ilegal biasanya bisa dideteksi dengan cara melihat suku bunga yang mereka tetapkan. Biasanya, pinjaman online ilegal akan mematok suku bunga yang sangat tinggi bahkan melebihi bunga maksimal yang ditetapkan oleh Asosiasi Pendanaan Bersama Indonesia atau APBI.

Sehingga, ketika Anda menemukan lembaga pinjaman online yang mematok suku bunga di angka yang sangat tinggi, ada baiknya Anda hindari. Sebab Anda patut curiga bahwa itu adalah lembaga pinjaman online ilegal yang hanya akan merugikan Anda nantinya. 

4. Jangka waktu pinjaman singkat

Selain mematok suku bunga yang sangat tinggi, cara untuk mendeteksi ciri lembaga pinjaman online ilegal adalah dengan melihat jangka waktu pinjaman yang mereka miliki. 

Pada umumnya, pinjaman online ilegal memiliki jangka waktu pinjaman yang lebih sebentar dibanding dengan pinjaman online legal. 

Misalnya saja, peminjam hanya diberikan waktu kurang dari 2 minggu untuk melunasi pinjaman yang diajukannya.  Selain waktu peminjaman yang singkat, pinjaman online ilegal juga sering melakukan penagihan cepat dibanding dengan kesepakatan waktu yang telah disetujui saat meminjam. 

5. Kantor tidak jelas

Selanjutnya untuk mendeteksi ciri lembaga pinjaman online ilegal adalah dengan mencari tahu lokasi kantor lembaga tersebut. Biasanya, lembaga pinjaman legal memiliki kantor dan juga layanan Call Center yang jelas dan bisa dengan mudah untuk dihubungi. 

Namun kebalikannya, jika lembaga pinjaman online ilegal, mereka tidak pernah mencantumkan lokasi kantor mereka. 

Jadi, sebelum Anda mengajukan pinjaman secara online Anda harus memastikan bahwa lembaga tersebut memiliki kantor yang jelas. Jangan mengajukan pinjaman pada lembaga pinjaman online yang lokasi kantornya tidak jelas keberadaannya.

6. Mencuri data pribadi

Alasan perlu sekali waspada terhadap pinjaman online ilegal adalah lembaga pinjaman ilegal ini seringkali melakukan akses data pribadi peminjam secara sepihak, misalnya dengan mengakses data pribadi berupa HP, video, foto, dan data penting lainnya. 

Hal ini mereka lakukan, agar bisa meneror peminjam jika peminjam gagal untuk membayar uang pinjaman. 

Padahal, secara peraturan, pencurian data terhadap peminjam uang bertentangan dengan peraturan OJK yang mana sang lembaga wajib menghormati privasi para peminjam.  

Hal ini harus anda waspadai, ketika Anda menerima sms yang mengaku sebagai kontak center resmi yang biasanya meminta verifikasi data melalui SMS atau Whatsapp.

Demikianlah cara untuk mendeteksi ciri lembaga pinjaman online ilegal yang bisa diuraikan. Semoga bermanfaat dan anda bisa terhindar dari lembaga pinjaman online ilegal.

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