THE Vicious

Circle of Online
Loans

Rizki Hidayat
Firda Umaira
Hafiza Adha Nisa
BACKGROUND

EFFECT

EXAMPLE

SOLUTION

CONCLUSION
BACKGROUND

Online loan is an online debt system

application that offers two nominal
money that can be borrowed starts
from 500 thousand until 500 million. It
must be repaid in several weeks after
the money was disbursed with high
interest and suffocating.
Why do people interested
in online loans?

Economic Shortages

Faster and easier to get

Urgent needs

No guarantee

Social demands/lifestyle
NEGATIVE EFFECT
High of
interest

Mental
Riba
Effect

Lost of
Ashamed
privation

Addicted
Example
Another example
Solution
Use another alternative which is safer
than online loans

Use fintech application that has been

registered in OJK (Otoritas Jasa
Keuangan)

Understand the rules of the online

loans

Understand the risk of using online

loans
What should we do if we already use and
become a victim of online loans?

Tell your problems to

your family

Show your good

attitude to the collector

Start to collect money

to pay your loans
CONCLUSION
Online loans are a pretty good alternative
because the system is very easy and very
helpful,so many interested in using it .

However,every customers who intends to

borrow money using an online loan
application must understand the system and
the risk clearly.So,by understanding the
risks,customers will not face problems in the
future.
Thank you for your attention!