Ini Dia Risiko Pinjaman Online Bila Tidak Dibayar yang Harus Kalian Perhatikan

Saya cukup prihatin bahwa semakin banyak orang yang bergabung menjadi ‘pasukan gagal bayar’. Bukan saja hal ini mengkhawatirkan kami para pendana p2p lending, namun tanpa disadari mereka merugikan masa depan mereka sendiri. Oleh karena itu, saya berkolaborasi dengan investbro.id untuk menghadirkan artikel ini, yang semoga bisa membantu mengedukasi dan menyadarkan komplotan tidak bertanggungjawab diluar sana.

Adanya pinjaman online yang semakin merajalela memang menjadi salah satu jalan keluar yang dapat ditempuh oleh masyarakat awam untuk mendapatkan pinjaman. Karena memang pada pinjaman online tersebut menawarkan berbagai kemudahan yang tentunya dapat menguntungkan dari pihak peminjam.  Akan tetapi dibalik kemudahan tersebut ada konsekuensi yang harus kalian pertimbangkan.

Risiko Pinjaman Online Bila Tidak Dibayar

Hingga saat ini pinjaman online sifatnya masih kontroversional di mata masyarakat karena hal ini menyangkut kejelasan sistem dan bagaimana cara penagihan yang harus dilakukan oleh perusahaan online tersebut. Selama ini banyak sekali artikel yang telah membahas sisi positif dan keuntungan dari melakukan pinjaman online. Akan tetapi kalian yang tergiur untuk melakukan pinjaman online sebaiknya juga melihat dari kedua belah pihak atau sisi.

Tidak hanya memberikan keuntungan dan kemudahan, pinjaman online dapat memberikan risiko yang nantinya bisa merugikan kalian. Risiko tersebut meliputi:

  1. Adanya bunga yang tinggi karena adanya kemudahan persyaratan, kecepatan persetujuan dan kecepatan pencairan. Jadi, penting untuk kalian menggali informasi mengenai seberapa beban bunga yang harus ditanggung.
  2. Karena kemudahannya, pinjaman ini hanya memberikan kisaran yang kecil dan biasanya tidak mencapai angka Rp. 6.000.000.
  3. Data pribadi yang diupload untuk kepentingan pinjaman dapat terekspos. Data pribadi tersebut meliputi nomor telepon dan KTP. Padahal KTP ini sifatnya sangat pribadi, jadi kalian harus memikirkan ulang dan berhati – hati dalam membagikan data identitas diri.
  4. Banyak sekali lembaga bodong yang bertebaran di dunia online. Lembaga atau perusahaan bodong tersebut tentunya belum terdaftar pada OJK (Otoritas Jasa Keuangan). Kalian tentunya harus ekstra berhati – hati dan mengakalinya dengan mencari nama perusahaan pinjaman online pada OJK. Apabila perusahaan atau lembaga tersebut sudah terdaftar pada OJK, maka dijamin lembaga atau perusahaan tersebut resmi dan terpercaya.

Selain risiko di atas, masih ada risiko lain yang harus kalian tanggung. Risiko tersebut adalah mencakup risiko pinjaman online bila tidak dibayarkan.

Kalian Akan Masuk ke Dalam Blacklist SLIK OJK

Seperti yang telah disinggung sebelumnya bahwa ketika kalian melakukan pinjaman kalian akan dimintai mengisi data diri dan kelengkapan data seperti identitas diri yang meliputi KK, KTP, NPWP, slip gaji hingga akun internet banking. Memang jika dilihat sepele, akan tetapi dengan kalian mengisi ini, pihak yang memberikan pinjaman akan mengetahui segala identitas anda seperti nama lengkap, pekerjaan, alamat rumah, alamat kantor, hingga nomor dari kontak orang terdekat.

Apabila kalian tidak bisa membayar pinjaman dan tidak bisa melunasi pinjaman online, maka kalian harus bersiap menerima bahwa data diri kalian akan dilaporkan ke OJK dan masuk ke blacklist SLIK OJK. Dampaknya sangatlah luar biasa, kalian tidak akan bisa melakukan pinjaman lagi dan mendapatkan bantuan finansial ke berbagai pihak perusahaan atau lembaga keuangan yang berada di Indonesia. Ini termasuk ke dalam risiko jangka panjang.

Oleh karena itu kalian harus membayar pinjaman dan melunasinya untuk menjaga skor kredit kalian untuk tetap baik. Dengan begitu kalian akan senantiasa mendapatkan kepercayaan bagi lembaga untuk melakukan pinjaman di kemudian hari bila dibutuhkan.

Beban Bunga dan Denda Pinjaman yang Terus Bertambah

Seperti yang sudah kalian ketahui dan sudah bukan menjadi rahasia lagi bahwa ketika diri kita melakukan pinjaman maka akan mendapatkan beban bunga dan denda apabila tidak membayar cicilan pada tepat waktu. Denda dan beban ini akan bertambah seiring berjalannya waktu dan menjadi jumlah yang sangat luar biasa dari jumlah pinjaman pokok. Berdasar dari aturan OJK, denda dan juga bunga dikenakan maksimal di angka 0,8% per harinya.

Misalnya ketika kalian melakukan pinjaman dana sebesar Rp. 3.000.000 dan melakukan tunggakan dalam jangka waktu tertentu, maka jumlah yang harus kalian kembalikan yaitu Rp. 6.000.000. Aturan ini berlaku untuk pinjaman online yang sudah resmi dan terdaftar di OJK. Apabila lembaga keuangan yang kalian gunakan adalah lembaga bodong alias abal – abal, maka kemungkinan tagihannya akan mencapai 100% lebih dari pinjaman pokoknya.

Jadi, tidak membutuhkan waktu lama untuk menjadikan jumlah pinjaman menjadi membengkak hingga hasil akhirnya hampir tidak mustahil untuk dapat dilunasi. Solusinya, kalian dapat mengajukan keringanan bunga dan denda untuk memperpanjang masa tenornya. Dengan begitu, jumlah cicilan kalian akan semakin dapat dijangkau dan dapat dilunasi sampai tuntas.

Munculnya Debt Collector yang Akan Mengganggu Kehidupan Kalian

Lembaga penyedia pinjaman resmi dan terdaftar tentunya memiliki prosedur dan ketentuan yang ketat untuk mengatasi sistem dan permasalahan terkait dengan pinjaman dengan client. Apalagi jika pihak peminjam mangkir dan lari dari tanggung jawab cicilan. Aturan dan prosedur ini telah diatur dalam AFPI (Asosiasi Fintech Pendanaan bersama Indonesia).

Hal ini tidak hanya mengganggu tapi juga lumayan memalukan. Awalnya, jika kalian mangkir dari proses cicilan kalian akan diremind melalui pesan singkat seperti SMS, Telepon, atau Email. Akan tetapi jika kalian masih belum memenuhi tanggung jawab maka tim collector akan mengunjungi rumah kalian dan melakukan penagihan. Tidak hanya itu saja, orang terdekat kalian juga akan dihubungi dan ditanyai mengenai keberadaan kalian.

Jika hal ini terus menerus dibiarkan maka tidak hanya mengganggu kehidupan pribadi kalian, akan tetapi juga akan mengganggu kehidupan orang terdekat kalian. Hal ini tentunya sangatlah merepotkan bukan?

Adrian Siaril
Adrian Siaril

The boss

Articles: 588

122 Comments

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