TEMPO.CO, Jakarta – The Indonesian Joint Funding Fintech Association (AFPI) assesses that there are still many wrong perceptions about online loans until people don’t want to pay loans.
“People are often misunderstood. Loans online, there is no face to face, (then think) it’s okay not to pay,” said AFPI Secretary General Sunu Widyatmoko, quoted Saturday, October 23, 2021.
In fact, financial technology companies take advantage of technological advances to make them more accessible. That way, more people will be able to experience financial services.
The track record in the digital world cannot be lost, it also applies to pinjol the official one. When people borrow money from an official financial technology company, the credit track record will be recorded in the Financial Information Service System (SLIK) at the Financial Services Authority (OJK).
If you don’t pay off your loan from an official fintech service, the public’s credit score recorded in the OJK SLIK is certainly not good.
This credit score is very influential on the loan, for example, if it is not good, the person will be considered risky so it will be difficult to get approved if you apply for another loan.