Jakarta,- Otoritas Jasa Keuangan (OJK) mewanti-wanti masyarakat untuk tidak mudah tergiur dengan janji manis influencer yang menawarkan pinjaman online (pinjol). Terlebih generasi mudah seperti mahasiswa yang masih rentan secara finansial.
Hal ini disampaikan Kepala Eksekutif Pengawas Perilaku Pelaku Usaha Jasa Keuangan, Edukasi & Perlindungan Konsumen OJK, Friderica Widyasari Dewi, Jumat (6/7/2024). Hingga April 2024 lalu, Satuan Tugas Pemberantasan Aktivitas Keuangan Ilegal (Satgas Pasti), telah menutup lebih dari 9 ribu penawaran investasi dan pinjol ilegal.
“Total kerugiannya yang ditimbulkan sampai Rp140 triliun,” kata Friderica.Ia menyampaikan data itu dalam acara Bisnis Indonesia Goes to Campus 2024 di Fakultas Ekonomika dan Bisnis Universitas Gadjah Mada (FEB UGM).
Friderica lantas mengimbau kepada para mahasiswa sebagai generasi muda supaya memahami aspek perencanaan keuangan atau financial planning. Menurutnya, Gen Z dan milenial menjadi critical economy players yang wajib dibekali pemahaman keuangan secara memadai.
Survei Nasional Literasi dan Inklusi Keuangan (SNLIK) yang dilakukan OJK pada 2022 mencatat generasi muda memiliki tingkat literasi dan inklusi keuangan yang rendah. Friderica menguraikan, tingkat literasi keuangan penduduk berusia 15-17 tahun berada di angka 43 persen.
Sementara tingkat inklusi keuangannya di angka 69 persen. Angka itu jauh di bawah tingkat literasi dan inklusi keuangan nasional yang mencapai 49,7 persen dan 85 persen.
“Oleh karena itu, perencanaan keuangan sejak dini dan juga literasi keuangan, pemahaman tentang produk jasa keuangan. Termasuk membedakan mana yang aktivitas legal maupun ilegal menjadi satu hal penting dan sangat krusial,” ujarnya.
“Bahkan ini menjadi salah satu hal yang harus dimiliki. Sebagai essential life skill untuk seluruh generasi muda di Indonesia,” ucap Kiki panggilan akrabnya.
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