Kediri (Jatimsmart.id) – Situasi yang tidak pasti seperti saat ini dikarenakan adanya pandemi Covid-19, membuat kondisi perekonomian juga mengalami ketidakstabilan. Hal ini menimbulkan beberapa oknum berbuat jahat. Pasalnya, akhi-akhir ini sering dijumpai kasus penipuan dengan berbagai modus, salah satu yang sedang hangat diberbincangkan adalah penipuan pinjaman online.
Beberapa jebakan yang harus kamu waspadai terhadap modus penipuan dengan pinjaman online ini adalah;
- Fee sangat tinggi bisa mencapai 40 persen dari jumlah pinjaman yang dipotong langsung.
- Suku bunga dan denda sangat tinggi, bisa mencapai 1-4 persen per harinya. Biasanya tidak jelas disebutkan di dalam perjanjian.
- Jangka waktu sangat singkat. Biasanya dijanjikan 2 bulan, tetapi setelah deal (muncul kesepaktan) ternyata hanya 2 minggu waktu tenornya.
- Petugas pinjaman online selalu meminta peminjam mengizinkan agar dapat mengakses semua data dan kontak di ponsel, yang akan digunakan untuk mengintimidasi peminjam pada saat gagal bayar. Bahkan, tidak hanya melalui kamera, mikrofon, dan lokasi saja sebagaimana ketentuan OJK.
- Petugas pinjol melakukan penagihan tidak beretika berupa teror, intimidasi dan pelecehan, dengan membuat grup dari seluruh kontak yang ada di ponsel peminjam untuk mempermalukan peminjam.
- Pinjol ilegal tidak memiliki layanan pengaduan. OJK dan AFPI tidak menangani pengaduan konsumen fintech lending ilegal. Pengaduan pinjol ilegal dapat dilakukan ke polisi atau Satgas Waspada Investasi (SWI).
- Pinjol ilegal kerap melakukan penawaran melalui sms spam.
Kasus penipuan dengan modus pinjaman online ini sudah sering terjadi dan patut kamu waspadai. Jangan mudah percaya akan tawaran-tawaran menggiurkan yang ternyata adalah jebakan untukmu. Jika telah terjebak pada penipuan ini, ada baiknya kamu segera melaporkannya pada pihak berwajib. (gis/ydk)
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