Main Article Content
Abstract
The Covid-19 pandemic has had a major socio-economic impact on the community, especially the decline in income and job losses. The urgency of economic needs makes people make online loans that are illegal and have very high interest rates. The lack of public knowledge about licensed and illegal online loans has resulted in debtors being trapped in large debts and spreading personal data. Considering that rural communities who have low levels of education and knowledge are victims of prize draw scams which are disseminated via short message service (SMS) and telephone calls. Therefore, there is a need for socialization about illegal online loans and prize draw fraud to the community, especially village communities. The purpose of this service activity is to increase public awareness and knowledge about the legality of online loan services and prize draw fraud. After this service was carried out, the community in Kerinjing Village had knowledge about the legality of online loans, prevention and overcoming of online loans as well as vigilance against prize draw fraud via SMS and telephone. After the community service activities were carried out, it was found that 100% of the community understood illegal online borrowing and raffle prizes via telephone and SMS.
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References
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References
Ansori, M. (2019). Perkembangan dan Dampak Financial Technology (Fintech) terhadap Industri Keuangan Syariah di Jawa Tengah. Wahana Islamika: Jurnal Studi Keislaman, 5(1).
Azimah, R. N., Khasanah, I. N., Pratama, R., Azizah, Z., Febriantoro, W., & Purnomo, S. R. S. (2020). Analisis Dampak Covid-19 terhadap Sosial Ekonomi Pedagang di Pasar Klaten dan Wonogiri. Jurnal Ilmu Kesejahteraan Sosial, 9(1), 59–68. https://doi.org/https://doi.org/10.15408/empati.v9i1.16485
Budiyanti, E. (2019). Upaya Mengatasi Layanan Pinjaman Online Ilegal. Info Singkat: Kajian Singkat Terhadap Isu Aktual Dan Strategis Pusat Penelitian Badan Keahlian DPR RI, XI.
Chrismastianto, I. A. W. (2017). Analisis Implementasi Teknologi Finansial Terhadap Kualitas Layanan Perbankan di Indonesia. Jurnal Ekonomi Dan Bisnis, 20(1), 134–136.
Istiqamah. (2019). Analisis Pinjaman Online oleh Fintech dalam Kajian Hukum Perdata. Jurisprudentie, 6(2), 291–306.
Kurniasih, E. P. (2020). Dampak Pandemi Covid 19 Terhadap Penurunan Kesejahteraan Masyarakat Kota Pontianak. Prosiding Seminar Akademik Tahunan Ilmu Ekonomi Dan Studi Pembangunan 2020, 277–289.
Nasikhatuddini, S. (2021). Perlindungan Hukum Pidana Terhadap Nasabah Dalam Pelaksanaan Pinjam Meminjam Uang Berbasis Teknologi Informasi (Fintech) Peer To Peer Lending. Jurnal Lex Renaissance, 6(3), 437–448. https://doi.org/10.20885/jlr.vol6.iss3.art1
Ngadi, Meilianna, R., & Purba, Y. A. (2020). Dampak Pandemi Covid-19 terhadap PHK dan Pendapatan Pekerja di Indonesia. Jurnal Kependudukan Indonesia, Edisi Khus, 43–48.
Nursaidi, N. A., & Sinilele, A. (2021). Perlindungan Hukum Nasabah Dalam Transaksi Pinjaman Online (Fintech). El-Iqthisady: Jurnal Hukum Ekonomi Syariah Fakultas Syariah Dan Hukum, 3(1), 96–105.
Otoritas Jasa Keuangan (OJK). (2021). Data Pinjaman Online.
Pardosi, R. O. A. G., & Primawardani, Y. (2020). Perlindungan Hak Pengguna Layanan Pinjaman Online dalam Perspektif Hak Asasi Manusia. Jurnal HAM, 11(3), 353–367.
Pradnyawati, N. M. E., Sukandia, I. N., & Arini, D. G. D. (2021). Perjanjian Pinjaman Online Berbasis Financial Technology (Fintech). Jurnal Konstruksi Hukum, 2(2), 320–325. https://doi.org/10.22225/jkh.2.2.3230.320-325
Putra, A. M., & Ali, D. (2018). Tindak Pidana Penipuan Undian Berhadiah (Suatu Studi Penelitian di Wilayah Hukum Polresta Kota Banda Aceh). Jurnal Ilmiah Mahasiswa Bidang Hukum Pidana, 2(3), 617–625.
Putri, N. Y., Mas'Ud, A., & Utu, L. (2021). Financial Technology (Fintech) Berbasis Sistem Peer to Peer Lending (P2PL) dalam Perspektif Perpajakan. YUME: Journal of Management, 4(2), 195–207. https://doi.org/10.37531/yume.vxix.861
Sitompul, M. G. (2018). Urgensi Legalitas Financial Technology (Fintech): Peer to Peer (P2p) Lending Di Indonesia. Jurnal Yuridis UNAJA, 1(2), 68–79. https://doi.org/10.5281/jyu.v1i2.428