Jakarta, CNBC Indonesia - The public is advised to assess their\nfinancial condition first before applying for loans, whether through\nbank credit or online loans, to ensure payments can be made on\nschedule.<\/p>\n
Nevertheless, cases of defaults (galbay) or bad debts continue to be\nprevalent. The causes vary, including limited funds, poor financial\nmanagement, and a lack of understanding of loan terms.<\/p>\n
This phenomenon is common, especially when borrowing from online loan\nservices with relatively easy requirements. So, what risks will be faced\nif one fails to repay an online loan debt?<\/p>\n
Chairman of ICT Watch, Indriyatno Banyumurti, stated that the risks\nof defaulting on online loan debts are quite significant. For example,\none will be haunted by increasingly large fines, psychological\ndisturbances due to piling debts, and legal threats.<\/p>\n
Indriyatno also mentioned that social media content related to the\ndefault phenomenon tends to go viral more quickly because it is negative\nin nature. Therefore, financial education for online loan consumers is\nneeded.<\/p>\n
\u201cWhy is there promotion of defaults (galbay)? Content needs to be\nprovided to counter such content. If one intends to default, even\nplanning it that way, there are legal risks,\u201d Indriyatno explained in\nthe FintechVerse 360kredi podcast on YouTube, quoted Saturday\n(25\/4\/2026).<\/p>\n
In addition to legal risks, defaults also impact the decline in the\nSLIK OJK credit score for users. This can result in difficulties in\napplying for credit, such as purchasing motor vehicles or home\nloans.<\/p>\n
\u201cSo don\u2019t take it lightly that simply shirking responsibility,\navoiding payments to fintech lending (pindar), and then living\npeacefully,\u201d said Indriyatno.<\/p>\n
Currently, there are 95 legal licensed online loan providers under\nOJK. Meanwhile, OJK records outstanding online loan financing as of\nFebruary 2026 reaching Rp100.69 trillion. This achievement grew by\n25.75% year-on-year.<\/p>\n
Meanwhile, the aggregate non-performing loan ratio (TWP90) rose to\n4.54% in the same period. This figure increased compared to the previous\nTWP90, which was around 2%.<\/p>\n
The same sentiment was expressed by IdScore\u2019s Commercial Director,\nWahyu Trenggono, who said that every individual must maintain and check\ntheir credit history or credit score to avoid difficulties in obtaining\nfunding.<\/p>\n
\u201cCredit scoring must be maintained, because the impact is very broad.\nLater, one won\u2019t be able to get a job, it\u2019s hard to find work, even\nfinding a partner is difficult if the score is bad,\u201d he said at the AFPI\nJournalist Workshop and Gathering in Bandung recently.<\/p>\n
With several default risks, the public should be more cautious when\ndeciding to borrow money from online loan services. Ensure you are\nconfident in repaying the borrowed money.<\/p>", "url": "https:\/\/jawawa.id\/newsitem\/believe-it-intentionally-defaulting-on-online-loans-brings-disaster-the-weapon-turns-on-its-master-1777089053", "image": "" }, "sponsor": "Okusi Associates", "sponsor_url": "https:\/\/okusiassociates.com" }