JELAJAHNEWS.ID – Sempat viral Pinjaman Pribadi atau Pinpri dikaitkan dengan Pinjaman Online (Pinjol). Tentunya masyarakat diharapkan lebih cerdas menggunakan aplikasi tersebut, agar tidak terjerat dan menjadi masalah berkepanjangan.
Secara prinsip, Pinpri dan Pinjol sendiri pada dasarnya sama, yakni sebagai penyedia pinjaman yang berbasis online. Namun, banyak orang yang menyebut Pinpri lebih parah dari pada dengan pinjol.
Salah satunya seperti kasus yang sedang viral di media sosial Twitter (X).
Pinpri merupakan singkatan dari Pinjaman Pribadi ini basis utamanya adalah di Twitter yang saat ini berubah menjadi X. Di sana akun dengan Avkor (Avatar Korea) menawarkan jasanya lewat aplikasi tersebut.
Akun yang menawarkan pinpri memberikan pinjaman mulai dari ratusan ribu hingga jutaan rupiah. Syarat yang mereka ajukan pun terbilang mudah, yaitu hanya foto diri beserta kartu identitas pribadi.
Identitas tersebut seperti KTP, nomor WA, alamat tinggal, akun media sosial hingga data keluarga. Tidak seperti pinjaman online pada umumnya yang menawarkan pembayaran dalam jangan waktu satu sampai enam bulan.
Pinpri memberikan jatuh tempo (japo) yang terbilang pedek, yaitu hanya 24 sampai 48 jam. Lebih dari itu maka pengguna akan mendapatkan denda pembayaran per jam dengan nominal yang bervariasi. Lalu bagaimana perbedaan Pinpri dan Pinjol?
Jika melihat dari segi bunga, pinjol legal memiliki bunga yang harus nasabah bayar 0,4%. Ketentuan tersebut sesuai dengan aturan yang pihak OJK keluarkan. Persyaratan pengajuan menggunakan KTP namun ada juga persyaratan bukti slip gaji dan lain-lain.
Data yang harus peminjam isi yakni nomor kontak darurat, nomor kantor, foto KTP dan lain-lain. Bunga PinPri lebih besar dari pinjol berkisar 30% hingga 40%. Penagihannya dengan melakukan sebar data ke media sosial dan juga kontak pribadi orang-orang terdekat.
Kemudian data informasi pribadi yang diberikan ke pinpri lebih banyak dari pinjol. Kesimpulannya, mau PinPri atau Pinjol sama-sama membahayakan apalagi ada saja pinjol yang melakukan penyebaran data pribadi. (**/jn)
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