For people applying for a loan in the fintech loan, they must ensure that the online lending service has a license from the OJK. The aim is to ensure that credit transactions are safe, convenient and legal for consumers. Below is a list of legal credit companies in Indonesia registered and licensed with the OJK in 2022: According to information published on OJK`s official website, as of March 2, 2022, 102 online loan providers are officially (legal loans) or licensed. Meanwhile, legal online lending companies have the following criteria: Enforcement by the Investment Alert Task Force is also expected to further increase arrests and prosecutions by police, further limiting the volume of illicit investment offers and illicit online loan movements. Jakarta, CNBC Indonesia – The Financial Services Authority (YOJ) provided a list of licensed and registered online loans (pinjol) in March. At that time, there were only 102 organizers with a revocation of the commercial license on Friends` Money. However, the spread of illicit credit is often troubling to the public. The reason for this is that they tend to be more harmful than helping their customers. Therefore, it is important to know that online loans registered with the OJK should be used as a support pillar to cover financial needs. Online loans registered with the KJO adequately determine the repayment period, interest rate, method of collection and other requirements. Thus, its customers are not harmed by a statement that does not correspond to the inflated content or interest. The public is encouraged to choose fintech loans or OJK-approved online loan providers. So far, OJK and related parties have also blocked and shut down illegal lending services.
Among the most publicly reported forms of gross violations are disbursement of loans without the applicant`s consent, threats to disseminate personal data, collection of all HP contacts with terror/intimidation, and collection with harsh words and sexual harassment. Fintech loans are also known as technology-based lending and borrowing service (LPMUBTI), so the transaction is quite simple and can be done online. Be proactive. Be sure to research and check the customer service of the loan in question. The official online loan offers ready-to-contact and easy-to-contact contact services. “Zum 22. As of April 2022, the total number of peer-to-peer or fintech loan providers allowed on the OJK is 102 companies,” the OJK explained on its official website. Here is a list of official online loans that have been registered and have a business license from the OJK: The third way to check for illegal or legal loans is to contact the OJK phone number. The public can check the loan by contacting the Official Gazette 157 to 157. Read also: Smarter to borrow money online, avoid illegal online loan applications OJK Results Here is the list of illegal and official loans registered with the OJK until August 2022, and how to know the characteristics of illegal and legal loans. Avoid illegal loans so you don`t get deceived.
As an interested party, it would be good for you to be careful before applying for a loan and first understand a number of fintech conditions. Review all procedures and follow the rules to get your loan application approved. To make sure that the loan application is illegal or not, you can check it through various OJK platforms ranging from websites, WhatsApp, phone numbers, and emails. Fintech loan or peer-to-peer loan or online loan is a financial service provider that connects lenders or lenders with loan recipients to execute rupee loan agreements directly through an electronic system. Before discussing the list of legal loans, it is a good idea to listen to the information about illegal loans first. At the launch of the indonesia.go.id site, there were 19,711 public complaints related to this illegal lending law in OJK files from 2019 to 2021. A total of 9,270 (47.03%) were classified as serious offences. Meanwhile, 10,441 complaints concerned administrative or moderately serious offences. In order not to be fooled by illegal services, below is a list of legal credit companies registered with the OJK in 2022. Various urgent and unexpected needs of life make online loans (pinjol) a convenient solution to improve people`s finances. Formal online loans can provide funds to meet various needs. Illegal loans often trap and make the public unhappy because of its operation, which is not subject to the OJK.
They often apply very high interest rates, access customer data, conditions that do not correspond to the initial agreement, unethical collection methods. Check out the list of illegal loans successfully completed by the OJK Investment Alert Task Force (SWI) in August 2022. Also note the list of official loans registered with the OJK so as not to be caught up in illegal loans. Be aware of the requirements imposed by the corresponding loans. If there is confusion, such as requesting a photo of a credit card or something else as part of the application requirements. OJK online loans will usually only ask for payroll data, ID cards, personal photos, and other personal documents to support transactions. In its existence, there are now a number of online loans registered with the OJK. Despite this, there are many other online loans that operate without the authorization and supervision of the Financial Services Authority (OJK). This is called illegal borrowing. KONTAN.CO.ID – JAKARTA. Recently, many people have become entangled in cases of online loans or illegal loans.
Therefore, it is important for the public to be aware of the list of legal or official loans that have been approved by the Financial Services Authority (FYO). 1. Danamas – p2p.danamas.co.id2. Investree – www.investree.id3. Amartha – amartha.com4. EXPRESS WALLET – www.dompetkilat.co.id5. KIMO – kimo.co.id6. CAPITAL SHOP – www.tokomodal.co.id7.
My capital – modalku.co.id8. KTA LIGHTNING – www.pendanaan.com9. Smart credit – kreditpintar.co.id10. Maucash – maucash.id11. Finmas – www.finmas.co.id12. ClickA2C – klika2c.co.id13. Accelerator – www.akseleran.co.id14. Ammana.id – ammana.id15.
LoanGO – www.pinjamango.co.id16. CoinP2P – koinp2p.com17. Tree – pohondana.id18. BLOOM – mekar.id19. AdaKami – www.adakami.id20. ESTA CAPITAL FINTEK – www.estakapital.co.id21. KREDITPRO – kreditpro.id22. FINTAG – fintag.id23.
FAST RUPIAH – www.rupiahcepat.co.id24. CROWDO – crowdo.co.id25. Indodana – indodana.id26. JULO – www.julo.co.id27. Pinjamwinwin – pinjamwin.com28. DanaRupiah – danarupiah.id29. Taralite – www.taralite.com30. Borrow capital – pinjammodal.id31. NATURAL – p2p.alamisharia.co.id32.
AwanTunai – www.awantunai.co.id33. Danakini – danakini.co.id34. Leo – singa.id35. DANAMERDEKA – danamerdeka.co.id36. EASYCASH – indo.geteasycash.asia37. YUK RENT – www.pinjamyuk.co.id38. FinPlus – www.finplus.co.id39. MoneyMe – uangme.id40. BorrowDuit – pinjamduit.co.id41. SCARIA FUND – danasyariah.id42.
BATUMBU – www.batumbu.id43. CashFast – cashcepat.id44. klikUMKM – www.klikUMKM.co.id45. Easy borrowing – www.kreditplusteknologi.id46. Cicil – www.cicil.co.id47. Getreidespeicher – lumbungdana.co.id48. 360 KREDI – www.360kredi.id49. Dhanapala – www.dhanapala.id50. Kredinesian – www.kredinesia.id51.
Pintek – pintek.id52. KapitalDie modalrakyat.id53. SOLUSIKU – www.solusi-ku.id54. Cairin – www.cairin.id55. TrustIQ – trustiq.id56.