(FEB NEWS) Wednesday, August 23, 2023, the Department of Management, Faculty of Economics and Business, Universitas Airlangga (FEB UNAIR), chaired by Dr. Gancar Candra Premananto, held a Community Service Event, Focus Group Discussion (FGD) themed "The Phenomenon of Academics in the Snare of Loans" together with the Financial Services Authority (OJK), Lecturers of the Department of Management, FEB UNAIR and students.
Present at the event were: Ismirani Saputri - Deputy Director of Strategic Management, EPK and Regional Government Partnerships as Keynote Speaker; Rifnal Alfani - Consumer Education and Protection Section; Budiono - IKNB Supervision Section; and Rico Tedyono - Chief Operating Officer of PT. Komunal Financial Indonesia.
This event was held, considering that in recent years, the use of Pinjol has increased rapidly in Indonesia due to the ease and speed of the process, not only among the general public but also has touched academics, who are literate, who are still interested in trying to use pinjol, even though it started from curiosity, or additional financial needs, which ended up being trapped in debt and other financial problems.
From the FGD, various understandings and conclusions were obtained as well as suggestions, including, that: 1. The main defense against the problem of pinjol is financial literacy; 2. Stricter policies on applications, where terms and conditions must be clearly displayed, so as not to become a trap for consumers, therefore there is a need for strictness in the materials of these advertisements; 3. The need for special institutions to handle/accommodate students' financial needs such as cooperatives, of course with terms and conditions tailored to student needs. 4. The need for literacy regarding financial allocation arrangements, so that they can fortify themselves from PINJOL advertisements that echo the word SAFE and always include the OJK; 5. There are 2 images that accompany Pinjol, negative and positive sides, where the image is determined by several variables: Marketing (which is massive, and emphasizes the convenience side), Lack of literacy from the millennial generation, Socialization to consumers about mental budgeting, so that in the end it can achieve the effectiveness of pinjol; 6. Pinjol literacy is more massive than academic literacy and OJK, so joint activities are needed, where academics are needed to apply for community service grants, fintech literacy is very much needed by communities that have not been touched by OJK, where OJK will be the supporter.
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