Peningkatan pemahaman masyarakat tentang perlindungan hukum dan dampak pinjaman online

Dwi Affrimetty Tiemora; Annisa Rahmi Faisal

doi:10.21009/jimd.v24i1.48886

Authors

Dwi Affrimetty Tiemora Universitas Negeri Jakarta
Annisa Rahmi Faisal Universitas Negeri Jakarta

DOI:

https://doi.org/10.21009/jimd.v24i1.48886

Keywords:

pemahaman masyarakat, perlindungan hukum, pinjaman online

Abstract

Tujuan penelitian untuk menjelaskan bagaimana peran pemahaman hukum dalam mencegah terjeratnya masyarakat kepada pinjaman ilegal berbasis online yang saat ini dengan mudah diakses melalui smartphone.Metode penelitian dilakukan dengan deskriptif kualitatif yang menggunakan data primer dan sekunder. Lokasi penelitian di Kampung Melayu, Jakarta. Hasil penelitian, pasar Fintech dalam bentuk pinjaman online dianggap cocok, bahkan penetrasi kepemilikan dan penggunaan telepon selularpun sangat tinggi meskipun masyarakat belum memiliki akses keuangan. Apalagi disaat kondisi ekonomi yang sulit dan ditambah dengan perilaku masyarakat digital yang konsumtif, membuat pinjaman online menjadi solusi terbaik bagi mereka tanpa memikirkan dampak jangka panjang yang timbul dikemudian hari, seperti gagal bayar karena bunga yang tinggi. Akibatnya, masih banyak masyarakat yang mengalami tindak kekerasan melalui media online dan media sosial (teror whatsapp, penyebaran data kepada kebarat, hingga teror melalui telepon dan pesan singkat). Oleh karena itu dibutuhkan pemahaman dan kesadaran hukum yang tinggi dari masyarakat agar dapat mengetahui dampak dan resiko dari penggunaan pinjaman online. Dengan upaya memberikan pemahaman hukum lewat kegiatan seminar kepada masyarakat di Kelurahan Kampung Melayu, Jakarta, diharapkan masyarakat menjadi sadar akan ketentuan hukum yang berlaku dan mengetahui upaya hukum yang dapat dilakukan ketika berhadapan dengan tindak kekerasan akibat Pinjol ilegal.

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