Analisis Dampak Ekonomi Pinjaman Online dan Strategi Meningkatkan Literasi Pinjaman Online pada Masyarakat Kota Semarang

Devi Andreani, Endang Wuryandini, Novika Wahyuhastuti

Abstract


This research is motivated by the phenomenon of the use of online loans by the people of Semarang City. The existence of online loans has a direct and indirect economic impact on the people of Semarang City. The majority of people who use online loans have limited understanding or literacy about online loans themselves, which causes ignorance that online loans have higher interest rates compared to conventional financial institutions such as banks. In addition, many people experience stress, depression, and even excessive anxiety due to online loan collectors who use harsh language when collecting. The purpose of this study is to analyze the economic impact of online loan customers and strategies to improve online loan literacy for the people of Semarang City. The benefits of this research are divided into two, namely theoretical benefits and practical benefits. Researchers used qualitative research with a descriptive approach with purposive and snowball sampling techniques. Researchers used primary and secondary data sources collected with data collection techniques through interviews, observation, and documentation. The data validity test uses credibility test, transferability test, dependability test, and confirmability test with data analysis techniques through the stages of data collection, data condensation, data display, and ends with decision making. The results of this study show that online loans can be an alternative solution when people need fast data and easy requirements, but online loans are not recommended to be used for a long period of time because the interest is very high compared to other conventional institutions. In addition, of the seven interviewees, only one had participated in the socialization of online lending literacy, indicating a lack of online lending literacy for the people of Semarang City. The community hopes that the socialization of online lending literacy conducted by the government or OJK can touch all levels of society, especially the lower middle class. With an increase in online loan literacy among the community, it is hoped that the people of Semarang City can be wiser in using online loans.

 

Keywords: Economic Impact, Literacy Strategy, Online Loan, Semarang City Community


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