Fintech Lending Tumbuh Subur di Indonesia, Ini Alasannya


 

Sekretaris Jenderal Federasi Fintech Permodalan Bersama Indonesia (AFPI) Sunu Widyatmoko menerangkan, industri fintech permodalan atau peer-to-peer (P2P) lending tumbuh subur karena diperlukan oleh warga. Industri perbankan tidak dapat penuhi keperluan itu.


Sunu menerangkan, sekarang ini ada sela atau jarak permodalan sampai Rp 1.000 triliun yang tidak dapat dipenuhi dengan perbankan. Ini angka riil yang disingkap oleh World Bank atau Bank Dunia pada 2016.


"Jadi, fintech berdasar laporan dari Bank Dunia di 2016 jika keperluan keseluruhan UMKM di Indonesia sejumlah Rp 1.600 triliun. Sedang kemampuan dan kekuatan instansi keuangan tradisionil yang ada sekarang ini masih sejumlah Rp 600 triliun. Jadi, ada Rp 1.000 triliun ketimpangan atau jarak kekosongan yang belum tercukupi," tegasnya dalam Rapat Dengar Opini bersama Komisi XI, Kamis (14/1/2021).


Sunu menerangkan, jarak ini sebagai daya magnet oleh beberapa aktor fintech untuk isi kekosongan ruangan yang ada. Ditambah, perbankan dipandang belum juga optimal dalam lakukan servis permodalan secara maksimal.


"Mengapa begitu ramai? karena ketimpangan itu besar sekali, dan itu tidak terlayani. Dan belum terlayani secara maksimal dari instansi keuangan yang ada," jelasnya.


MPO Slot Online Walau begitu, AFPI pastikan untuk selalu berperanan aktif pada pelindungan customer. Terutamanya berkaitan data personal yang rawan untuk disalahgunakan.


"Jika ada anggota kami yang bisa dibuktikan lakukan pelanggaran (data personal) atau apa saja, nanti ada dewan komite yang tindak lanjuti. Jika ada pelanggaran berat, maka dikeluarkan," tutur ia akhiri.


Awalnya, Kewenangan Layanan Keuangan (OJK) menulis sampai 22 Desember 2020, keseluruhan jumlah pelaksana fintech peer-to-peer lending atau fintech lending yang tercatat dan berizin di OJK ialah sekitar 149 perusahaan.


Dikutip dari situs sah ojk.go.id, Rabu (30/12/2020), ada 2 (dua) pelaksana fintech lending yang diurungkan Surat Sinyal Bukti Tercatatnya, yakni PT Seva Kreativitas Digital dan PT Asia Ocean Fintek.


OJK menyarankan warga untuk memakai layanan pelaksana fintech lending yang telah tercatat/berizin dari OJK.


Kontak Contact OJK 157 lewat nomor telephone 157 atau service whatsapp 081 157 157 157 untuk memeriksa status ijin penawaran produk layanan keuangan yang Anda terima.


Adapun Perusahaan Fintech Lending yang tercatat dan berizin di OJK:


1. Danamas


2. Investree


3. Amartha


4. DOMPET Kilat


5. KIMO


6. TOKO MODAL


7. UANGTEMAN


8. Modalku


9. KTA KILAT


10. Credit Pandai


11. Maucash


12. Finmas


13. KlikACC


14. Akseleran


15. Ammana.id


16. PinjamanGO


17. KoinP2P


18. Pohondana


19. MEKAR


20. AdaKami


21. ESTA KAPITAL FINTEK


22. KREDITPRO


23. FINTAG


24. RUPIAH CEPAT


25. CROWDO


26. Indodana


27. JULO


28. Pinjamwinwin


29. DanaRupiah


30. Taralite


31. Pinjam Modal


32. ALAMI


33. AwanTunai


34. Danakini


35. Singa


36. DANAMERDEKA


37. Invoila


38. TunaiKita


39. iGrow


40. cicil


41. Cashwagon


42. GRADANA


43. Findaya


44. AKTIVAKU


45. KrediFazz


46. iTernak


47. KREDITO


48. CROWDE


49. PINJAM GAMPANG


50. TaniFund


51. danaIN


52. Indofund.id


53. AVANTEE


54. Danabijak


55. Cashcepat


56. DANA SYARIAH


57. ModalRakyat


58. TemanCicil


59. Sanders One Setop Solution


60. KREDITCEPAT


61. UangMe


62. PinjamDuit


63. PINJAM YUK


64. EASYCASH


65. Rupiah One


66. Danacita


67. Danadidik


68. TrustIQ


69. Danai.id


70. Pintek


71. DANAMART


72. Samakita


73. Vestia


74. MODALUSAMAID


75. Asetku


76. Danafix


77. Lumbungdana


78. LAHANSIKAM


79. Modal Nasional


80. DanaBagus


81. ShopeePayLater


82. UKU


83. PASARPINJAM


84. Kredinesia


85. KASPIA


86. Gandengtangan


87. modal di antara


88. Komunal


89. ProsperiTree


90. Cairin


91. BATUMBU


92. EMPATKALI


93. JEMBATANEMAS


94. klikUMKM


95. kredible


96. KLIK KAMI


97. FinPlus


98. Digilend


99. Asakita


100. Duha SYARIAH


101. Qazwa


102. Bsalam


103. One Hope


104. Kebun Modal


105. Dhanapala


106. Restock.ID


107. SOLUSIKU


108. Pinjam Di sini


109. Adapundi


110. Tree+


111. Edufund


112. FinanKu


113. UATAS


114. Dumi


115. Goena


116. Pundiku


117. TEMAN PRIMA


118. OK!P2P


119. DoeKu


120. Finsy


121. Mopinjam


122. BANTUSAKU


123. KlikCair


124. Ada Modal


125. Kontanku


126. Ikimodal


127. ETHIS


128. KAPITALBOOST


129. PAPITUPI Syariah


130. Finteck Syariah


131. Samir


132. Danon


133. Mikro Kapital Indonesia


134. Optima


135. ArgaPro


136. MITRA P2P LENDING


137. BBX FINTECH


138. 360 KREDI


139. CANKUL


140. Pinjam KAN


141. PINBee


142. Kfund


143. Enteng


144. Saku Cerah


145. Indosaku


146. Jalan keluar Kita


147. IVOJI


148. Pinjamindo


149. KOTAKKOIN

Lokasi: Indonesia

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