villageflowers21 - Online loans are currently rife circulating around the community. In fact, online loans don't know how to walk well from the middle class to the upper class.
This needs more attention, because there are still many people who are deceived by online loans . Therefore, it is important to recognize online loans that are legal and safe to use.
There are still many people who are deceived by online loans or known as this loan. Usually, loans are accompanied by quick and easy loans, so people have to be careful.
In addition, if you take a wrong step using an online loan, things like spamming , fines and unreasonable loan interest rates can even happen to access the borrower's personal data and identity.
Features of a Secure Online Loan
Therefore, so that people avoid illegal and harmful online loans , here are the characteristics of a good or legal online loan, so that it can be used by the community:
Transparent
The cost of making online loans is also not high. The time period for repaying the loan is reasonable according to the initial agreement made.
In fact, interest rates or penalties are not worth 1-4 hours per day. In addition, interest rates must be transparent.
Not SPAM and registered with OJK
Online loans do not offer their products via spam SMS or other obscure communication channels. Secure Pinjol also does not ask users to access personal data such as photos, contacts, videos, and others only to terrorize if they cannot pay off the loan. Online
loans do not carry out excessive collection activities such as terrorizing, intimidating, harassment, to defamation. Secure Pinjol has a clear identity, a location that is easily known and is definitely registered with the Financial Services Authority. In fact, the collector should have a certificate from the Indonesian Joint Funding Fintech Association (AFPI) and the borrower will only be subject to sanctions in the form of being blacklisted if the arrears exceed 90 days.
Therefore, for the public to be more selective in choosing legal online loans so as not to harm them later, the public can ensure a loan by contacting the OJK at number 157 or WhatsApp to the number 081157157157 or can also contact the email address consumer@ojk.go.id and www.ojk. go.id.
Hopefully this can be useful for the community later before using online loans.
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