Jakarta –
The Indonesian Joint Funding Fintech Association (AFPI) asks for good faith from debtors to pay off every loan that has been made on online loans (pinjol). To avoid default, it is recommended to borrow according to ability.
AFPI Executive Director Kusersyansyah said that basically, borrowers in fintech peer to peer (P2P) lending alias pinjol are mostly good, as reflected in the TKB90 as a measure of the Pay Success Rate (TKB) above 97.5%. Failure to pay began to occur in the middle of the road.
“In the middle of the process of borrowing and borrowing, there are a few who in fact experience delays in paying. In fact, there are still those who are late and even the payments are stuck,” said Sunu to detikcom, Sunday (24/7/2022).
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The organization that oversees the official loan from the Financial Services Authority (OJK) said that there are generally two root causes of debtors failing to pay loan debts. First, from the outset there were indications of intentional evasion or fraud by refusing to pay.
For this reason, said Kus, his party will continue to make various ethical and legal efforts so that the person concerned continues to pay. Initially, billing was done persuasively.
“This includes taking legal action. If those who commit fraud depend on the violation, they can be prosecuted, for example, there are falsification of documents,” he explained.
The second reason that makes it difficult for debtors to pay loan debts is generally because the business is declining or going bankrupt. This causes the source of work income to disappear or decrease.
For this reason, the debtor can apply for relief from the loan by telling them when it is time to pay. That way you can improve the track record of financial loan services.
“There is a restructuring path that will be processed strictly because there is no moral hazard, there are those who use it without rights,” he explained.
To prevent defaults in the middle of the road, loan providers continue to strengthen from the Electronic Know Your Customer (e-KYC) side which is held internally and in collaboration with third parties. The same is done to analyze the feasibility of the loan.
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(aid/zlf)
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