Education on Online Loan Financing Regulations in Improving Financial Literacy in Indonesia and Malaysia
DOI:
https://doi.org/10.61104/alz.v4i1.4441Keywords:
Pinjaman Online, literasi keuangan, Indonesia, MalaysiaAbstract
Penelitian ini bertujuan untuk menganalisis regulasi pembiayaan pinjaman online dalam upaya meningkatkan literasi keuangan masyarakat di Indonesia dan Malaysia. Penelitian menggunakan pendekatan komparatif dengan membandingkan regulasi pinjaman online yang berlaku di kedua negara. Lokasi penelitian meliputi Malaysia, yang dilaksanakan di Universitas Muhammadiyah Malaysia (UMAM), serta Indonesia, yang dilakukan di lokasi mitra di sekitar Universitas Muhammadiyah Makassar. Metode penelitian yang digunakan adalah deskriptif kualitatif. Pengumpulan data dilakukan melalui observasi, penyampaian materi terkait regulasi pinjaman online, serta diskusi interaktif untuk menggali pemahaman responden dan mengidentifikasi alternatif solusi atas permasalahan yang dihadapi masyarakat. Penelitian ini juga memberikan pemahaman mengenai karakteristik pinjaman online yang aman dan legal, serta strategi pencegahan terhadap praktik penipuan digital. Hasil penelitian menunjukkan bahwa tingkat literasi keuangan masyarakat masih tergolong rendah dan memerlukan perbaikan yang signifikan. Namun demikian, responden menunjukkan antusiasme dan partisipasi aktif selama proses penelitian, yang mengindikasikan bahwa topik yang dikaji memiliki relevansi tinggi dengan kebutuhan masyarakat. Penelitian ini menyimpulkan bahwa edukasi keuangan yang berkelanjutan sangat penting untuk meningkatkan kemampuan masyarakat dalam mengambil keputusan keuangan secara rasional, menghindari utang berlebihan, serta mengelola keuangan secara lebih bijaksana.
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