Penyuluhan Hukum Pencegahan dan Pelaporan Pinjaman Online Ilegal di Desa Ngawen Kecamatan Muntilan
DOI:
https://doi.org/10.62951/inovasisosial.v3i1.2992Keywords:
Digital Era, Illegal Online Loans, Prevention, Reporting, Socio-Economic ImpactAbstract
The legal counseling activity on the technical aspects of preventing and reporting Ilegal online lending in Ngawen Village, Muntilan District, was motivated by the increasing number of Ilegal online lending cases that harm the community due to low legal and digital literacy. Rural communities often become victims because they do not understand the differences between legal and Ilegal loans and are unaware of the proper reporting mechanisms. This activity aims to provide residents with legal understanding regarding online lending regulations, improve digital literacy so that the community can identify Ilegal applications, and train residents to be courageous and capable of reporting Ilegal online lending practices to the relevant authorities. The implementation methods included socialization through interactive lectures, distribution of handout materials, and question-and-answer sessions. The activity was attended by 15 residents of Ngawen Village and featured two presenters from the Faculty of Law, Universitas Muhammadiyah Magelang. The results showed an increase in participants’ understanding of the characteristics of Ilegal online lending, its socio-economic impacts, and the reporting procedures to the Financial Services Authority (OJK), the Ministry of Communication and Informatics (Kominfo), and the police. Participants also gained a better understanding of the importance of protecting personal data and verifying the legality of financial applications before using them. In conclusion, this counseling activity successfully enhanced the community’s legal awareness and digital literacy, fostering a more vigilant and legally empowered society capable of protecting itself from Ilegal online lending practices in the digital era.
References
Aisyahrani, A. (2024). Peran pendidikan ekonomi dalam meningkatkan literasi keuangan mahasiswa. Journal of Business, Economics, and Finance, 2(2), 30–37. https://doi.org/10.70437/benefit.v2i2.394
Ansa, C. B. (2023). Tinjauan yuridis terhadap perlindungan hukum bagi debitur pinjaman online berdasarkan peraturan Otoritas Jasa Keuangan. Lex Administratum, 12(1), 1–14. https://ejournal.unsrat.ac.id/index.php/administratum/article/view/52597
Anugrah, D., Tendiyanto, T., & Akhmaddhian, S. (2021). Sosialisasi bahaya produk pinjaman online ilegal bagi masyarakat. Empowerment: Jurnal Pengabdian Masyarakat, 4(3), 293–297. https://doi.org/10.25134/empowerment.v4i03.5093
Dzaky, A. R. A., Kamal, M., & Badaru, B. (2024). Efektivitas penegakkan hukum terhadap korban melalui aplikasi pinjaman online ilegal yang terjadi di masyarakat. Journal of Lex Theory, 5(2), 711–729. https://pasca-umi.ac.id/index.php/jlt/article/view/1784
Ernayani, R., Zulaecha, H. E., Rachmania, D., Alfiana, A., & Hakim, M. Z. (2024). Edukasi literasi keuangan bagi masyarakat: Membangun kemandirian finansial. I-Com: Indonesian Community Journal, 4(3), 1713–1722. https://doi.org/10.33379/icom.v4i3.4797
Gomulya, A. M. (2023). Efektivitas peran literasi digital dalam pembangunan ekonomi digital: Studi kasus pada korban kejahatan pinjaman online ilegal. Kritis, 32(2), 117–136. https://doi.org/10.24246/kritis.v32i2p117-136
Lubis, Y. P. (2025). Penyelidikan hukum pidana dalam penanganan kasus pinjaman online ilegal. Al-Zayn: Jurnal Ilmu Sosial dan Hukum, 3(3), 2252–2257. https://doi.org/10.61104/alz.v3i3.1606
Lutfiana, A., Nofianna, S. N., Tazakka, A. N., Khoerunnisa, C. P., Hasnawati, R., Lutfiana, R., … Rahayu, A. M. (2023). Pentingnya literasi keuangan melalui sosialisasi peran Otoritas Jasa Keuangan dalam upaya perlindungan masyarakat terhadap pinjaman online (pinjol) ilegal di Desa Rawajaya. Prosiding Kampelmas (Kampus Peduli Masyarakat), 2(2), 963–977. https://proceedings.uinsaizu.ac.id/index.php/kampelmas/article/view/945
Putra, A. M., & Apriani, R. (2022). Perlindungan hukum terhadap konsumen jasa layanan pinjaman online ilegal. Jurnal Ilmu Hukum: The Juris, 6(2), 571–578. https://doi.org/10.56301/juris.v6i2.630
Rahmad, T. S., Situmeang, A., & Girsang, J. (2024). Urgensi perlindungan hukum terhadap konsumen lembaga pinjaman online ilegal di era revolusi 4.0. Jurnal Supremasi, 14(1), 43–56. https://doi.org/10.35457/supremasi.v14i1.3399
Sartika, K. D., & Larasati, D. (2023). Literature review: Dampak fenomena pinjaman online ilegal di Indonesia. Innovative: Journal of Social Science Research, 3(6), 2940–2948. http://j-innovative.org/index.php/Innovative/article/view/6517
Sejarah Desa Ngawen. (2016). https://desawisatangawen.wordpress.com/2016/08/08/sejarah-desa-ngawen/
Suhaila, P., Afriani, L., Riskianda, A., & Manan, A. A. (2025). Pengaruh OJK terhadap perlindungan konsumen terhadap maraknya pinjaman online (pinjol) di media sosial di Medan. Journal of Multidisciplinary Inquiry in Science, Technology and Educational Research, 2(1). https://doi.org/10.32672/mister.v2i1.2504
Syarahmalia, V. M., Jannah, M., Agra, H. M. F., Handayani, S. M., & Ismahardika, C. (2024). Edukasi bahaya pinjol dan judol serta cara penanganannya pada warga Dusun Clowok Kabupaten Semarang. Alkadimat, 2(2), 122–136. https://ejournal.uinsalatiga.ac.id/index.php/alkadimat/article/view/2901
Uyun, L., Herwiyanti, E., & Budiarti, L. (2024). Dampak pinjol pada generasi Z dan generasi milenial. Sosio E-Kons, 16(1), 73–84. https://doi.org/10.30998/sosioekons.v16i1.22041
Watu, Y. D. B., Rahmad, R. A., Mardiansyah, H., Koynja, J., & Safwan. (2024). Eksistensi Otoritas Jasa Keuangan pada lembaga keuangan di Indonesia. Jurnal Kolaboratif Sains, 7(8). https://doi.org/10.56338/jks.v7i8.5905
Downloads
Published
How to Cite
Issue
Section
License
Copyright (c) 2026 Inovasi Sosial : Jurnal Pengabdian Masyarakat
This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.
