The Hidden Cost of Instant Loans: A Psychological and Financial Wake-Up Call
Dalam episode Jurnal Binusian di BinusTV, Prof. Dr. Juneman Abraham, S.Psi., M.Psi. membahas kemudahan akses pinjaman daring yang kerap tidak diimbangi dengan literasi finansial yang memadai. Fenomena ini dapat memicu perilaku konsumtif, jebakan utang, serta tekanan psikologis seperti kecemasan dan stres. Diskusi ini menekankan pentingnya regulasi yang lebih ketat, peningkatan literasi keuangan digital, dan kesadaran psikologis untuk mendorong praktik peminjaman yang lebih bertanggung jawab.
In the digital economy, online lending platforms have revolutionized financial access by offering quick, convenient loans with minimal documentation. This ease of access has made borrowing more appealing, particularly to younger demographics seeking instant financial solutions. However, this accessibility often lacks a parallel increase in financial literacy, leaving borrowers vulnerable to impulsive borrowing and unregulated lenders.
Prof. Dr. Juneman Abraham, S.Psi., M.Psi., addressed these issues on the Jurnal Binusian program, emphasizing the psychological consequences of excessive online borrowing. He explained how individuals who rely heavily on online loans to sustain their lifestyle often experience heightened anxiety, stress, and a sense of entrapment. These psychological effects are compounded by aggressive debt collection practices and a lack of support systems for borrowers.
The discussion highlights the need for stronger regulation, improved digital financial literacy, and psychological awareness regarding online debt. As the popularity of online loans grows, a balance must be struck between financial inclusion and responsible borrowing. Watch the full episode featuring Prof. Dr. Juneman Abraham on the BinusTV YouTube channel to explore these crucial insights.
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