(Feb News) Wednesday, August 23, 2023, Department of Management of the Faculty of Economics and Business, Universitas Airlangga (FEB Unair), which is chaired by Dr. Grancan Candra Candrao, held a Community Service event, Focus Group Discussion (FGD) with the theme "Academic Phenomenon in Loan Branches" along with the Financial Services Authority (OJK), Lecturer in the Management Department of FEB Airlangga University and Students.
Present at the event: Ismirani Saputri - Deputy Director of Strategic Management, EPK and Regional Government Partnership as Keynote Speaker; Rifnal Alfani - Consumer Education and Protection Section; Budiono - IKNB Supervision Section; and Rico Tedyono - Chief Operating Officer of PT. Communal Financial Indonesia.
This event was held, considering that in recent years, the use of loans has increased rapidly in Indonesia because of the ease and speed of the process, not only ordinary people but have also touched academics, who in fact are literacy, who are still interested in trying to use loans, although starting from curiosity, or additional financial needs, which ended with debt and other financial problems.
From the FGD, various understanding and conclusions were also made among others, that: 1. The main fortress for the problem of loan is in financial literacy; 2. more stringent policies on applications, where the terms and conditions must be clearly shown, so that it does not become a trap for consumers, therefore there is a need for tightness to the materials of these advertisements; 3. The need for special institutions to handle/ accommodate student needs for finance such as cooperatives which of course with terms and conditions tailored to the needs of students. 4. The need for literacy about the arrangement of financial allocation, so that it can fortify yourself from loan advertisements that echo the word safe and always include OJK; 5. There are 2 images that accompany loans, negative and positive sides, which are determined by several variables: marketing (massive, and highlighting the convenience side), lack of literacy from millennial generation, socialization to consumers about mental budgeting, so that it can ultimately achieve the effectiveness of the loan; 6. Loan literacy is more massive than academic literacy and OJK, joint activities are needed, where for academics are needed to submit organizational grants, fintech literacy is needed by people who have not been touched by OJK, where OJK will be a supporter.
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