Jakarta –
Currently, many Indonesians use online loan products (pinjol) and paylater. But there are dangers lurking if you use pinjol and paylater if you are not wise.
Financial Planner Andy Nugroho said that both lending and paylater have an impact on the borrower, such as being able to influence SLIK or what was previously known as BI checking. If your financial information service system (SLIK) history is bad, it could affect your search for work, especially in the financial sector.
“Certainly, we can’t apply for SLIK loans anymore, either from financial institutions or legal loans. For those who are just looking for work, also look at their SLIK record. If the record is bad, that means it will definitely affect them and they won’t be accepted for work. , let alone looking for work in the financial industry,” explained Andy to detikcomSunday (10/9/2023).
He also added that it could trigger the habit of getting into debt. Whether the amount is small or large, debt must be paid off immediately so as not to trigger bad habits.
“It’s called a debt that must be repaid. Although maybe the person who wants to borrow it from a friend, especially a financial institution, is looking for profit there. Yes, you have to pay off your own debt, whether it’s a little or a lot. So, let’s not get into a bad attitude in the future. There’s no such thing. “The term is that there are people whose hobby is borrowing but never paying,” he explained.
Andy added that using paylaters could be detrimental to the borrower. This is because there is a nominal amount of interest that is not realized. For example, you want to buy the latest cellphone with twelve month installments. Initially, the price of the cellphone was IDR 10 million, but the repayment could be IDR 12 million or even IDR 14 million including interest.
“Maybe you don’t feel like it because the payments are paid in installments over several months. When you accumulate them, the nominal value is bigger than buying cash,” he added.
(kilo/kilo)
2023-09-10 13:00:08
#Dont #debt #carelessly #Pinjol #dangers #lurking
