Are you terrorized because you are trapped in a personal loan? Do This My Money – 2 hours ago

Jakarta, CNBC Indonesia – Not long ago, the Task Force for Eradicating Illegal Financial Activities or the PASTI Task Force (formerly the Investment Alert Task Force) found 129 pieces of content related to personal loans (pinpri) in the September-October 2023 period.

The PASTI Task Force also blocked account numbers, virtual account numbers and telephone and WhatsApp numbers of the alleged perpetrators, to further protect the public. This is in accordance with the mandate of the PPSK Law.

Private money loans (Pinpri) were widely reported several months ago and mushroomed on social media. Apart from charging high interest rates like loan sharks, they also often carry out collections such as illegal online loans (pinjol) which often disseminate personal data.


The pinpri procedure tends to be easier than pinjol because this debt lending practice is completely unofficial, aka it is managed privately.

However, the consequence behind it all is the existence of an unpleasant billing mechanism. Unfortunately, they can carry out practices like this because they act on behalf of individuals, not official agencies.

So what should you do if you are already in arrears on your debt there and are constantly being terrorized by the lender? Do this.

Distributing that identity carries criminal sanctions

Making photo identities viral, etc., violates Article 310 of the Criminal Code (KUHP), which relates to sanctions for defamation.

Obviously, what they did could have serious legal implications. And you as a victim can report this to the authorities, bringing the available evidence.

Meanwhile, if you are continuously terrorized via telephone regarding this loan, you can also report the perpetrator on the basis of unpleasant behavior. This is also regulated in article 335 paragraph 1 of the Criminal Code.

Debt and receivable agreements also cannot be null and void by law

It is possible that the pinpri service provider will offer you a debt and receivables agreement in which there is an article regarding the disclosure of your identity if you are in arrears in payment matters.

When there is an article in the agreement that contains elements of technical defamation, then the agreement is null and void. Even if you as the debtor agree and want to sign it, the agreement is still considered non-existent.

Obviously, as a good citizen, you should not submit to an agreement whose contents violate the law.

Debts and receivables can also be considered “non-existent”

However, in principle, debt is a product of promises, which means it must be kept. When you pay debt, there will be an obligation to pay it off.

So what happens if the debt is in the form of a personal loan?

When there is no written agreement that complies with legal provisions, the debt and receivables agreement is actually deemed to not exist. Therefore, even if you don’t pay, there won’t be a problem.

Whatever the consequences, it would be a good idea for you to resolve this debt and receivable issue by paying it off, and make sure you don’t do the same thing in the future.

[Gambas:Video CNBC]

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