{"id":6064,"date":"2025-04-15T02:20:41","date_gmt":"2025-04-15T02:20:41","guid":{"rendered":"https:\/\/bprjatim.co.id\/?p=6064"},"modified":"2025-04-15T02:20:41","modified_gmt":"2025-04-15T02:20:41","slug":"pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda","status":"publish","type":"post","link":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/","title":{"rendered":"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget!"},"content":{"rendered":"<p>Pinjol ilegal atau pinjaman <em>online ilegal<\/em>\u00a0seringkali membuat iklan yang menggiurkan di sosial media. Tak jarang masyarakat mudah tergiur dengan kemudahan yang ditawarkan dalam proses pengajuan. Hanya melalui online dan tanpa agunan, uang bisa dengan mudah cair.<\/p>\n<p>Tetapi hal yang didapatkan dengan mudah, biasanya lebih berbahaya. Jangan sampai kamu tertipu dengan modus penipuan tersebut.<\/p>\n<p>Simak perbedaan pinjaman <em>online ilegal<\/em>\u00a0dengan pinjaman di lembaga keuangan legal berikut :<\/p>\n<ol>\n<li>\n<h6><strong> Terdaftar di website OJK<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Jika ingin mengajukan pinjaman, pastikan untuk check legalitasnya terlebih dahulu. Banyak pinjaman <em>online ilegal<\/em> yang beroperasi tanpa izin dan tidak ada pengawasan resmi. Check di website <a href=\"https:\/\/www.ojk.go.id\">Otoritas Jasa Keuangan<\/a> untuk tahu daftarnya.<\/p>\n<ol start=\"2\">\n<li>\n<h6><strong> Transparan terkait Biaya<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Pinjaman legal tentu akan memberikan informasi yang transparan. Informasi terkait bunga, denda, dan tenor dijelaskan sejak awal tanpa ada biaya tersembunyi. Sedangkan pinjaman<em> online ilegal <\/em>biasanya bunga dan biaya tambahan bisa sangat tinggi dan tidak dijelaskan di awal. Sering terjadi kenaikan bunga tidak sesuai perjanjian awal.<\/p>\n<ol start=\"3\">\n<li>\n<h6><strong> Keamanan Data Debitur<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Data pribadi tersebar bisa menjadi bencana. Pastikan kamu mengajukan pinjaman kredit di lembaga keuangan yang legal agar data tetap aman.<\/p>\n<p>Pinjaman aman, mudah, dan murah, ya di <a href=\"https:\/\/bprjatim.co.id\/index.php\/prokesra\/\">Prokesra Bank UMKM Jatim<\/a> aja! Bunga 0,25% per bulan dengan plafond maksimal 50 juta, bisa dicicil hingga\u00a0 3 tahun!<\/p>\n<p>Persyaratan mudah :<\/p>\n<ul>\n<li>Menggunakan agunan (Fotokopi kepemilikan agunan BPKB dan\/atau SHM\/SHGB\/SHP)<\/li>\n<li>Mengisi formulir permohonan kredit<\/li>\n<li>Fotokopi KTP suami &amp; istri, Akta Nikah, KK.<\/li>\n<li>Memiliki tempat tinggal tetap atau melampirkan Surat Keterangan Domisili.<\/li>\n<\/ul>\n<p>Baca selengkapnya mengenai Prokesra <a href=\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/11\/bunga-ringan-hanya-3-ini-cara-akses-kredit-prokesra\/\">disini<\/a>.<\/p>\n<ol start=\"4\">\n<li>\n<h6><strong> Mengikuti Kode Etik Penagihan<\/strong><\/h6>\n<\/li>\n<\/ol>\n<p>Dalam melakukan penagihan, tentu terdapat kode etik yang perlu untuk diikuti. Lembaga keuangan legal tentu akan menagih sesuai dengan kode etik yang berlaku tanpa adanya ancaman ataupun tekanan. Sedangkan pinjol<em>\u00a0ilegal<\/em> biasanya melakukan intimidasi dalam prosesnya, bahkan hingga memberikan ancaman seperti menyebarkan data pribadi dan sebagainya.<\/p>\n<p>Itu dia perbedaan dari pinjaman <em>online ilegal<\/em> dan pinjaman di lembaga keuangan legal. Sangat jauh berbeda, bukan? Daripada terjadi hal-hal yang tidak diinginkan dikarenakan pinjaman di tempat yang tidak resmi, lebih baik ajukan Prokesra di Bank UMKM Jatim saja. Segera datang ke kantor terdekat dan ajukan pinnjamanmu!<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Pinjol ilegal atau pinjaman online ilegal\u00a0seringkali membuat iklan yang menggiurkan di sosial media. Tak jarang masyarakat mudah tergiur dengan kemudahan [&hellip;]<\/p>\n","protected":false},"author":2,"featured_media":6065,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"site-sidebar-layout":"default","site-content-layout":"","ast-site-content-layout":"default","site-content-style":"default","site-sidebar-style":"default","ast-global-header-display":"","ast-banner-title-visibility":"","ast-main-header-display":"","ast-hfb-above-header-display":"","ast-hfb-below-header-display":"","ast-hfb-mobile-header-display":"","site-post-title":"","ast-breadcrumbs-content":"","ast-featured-img":"","footer-sml-layout":"","theme-transparent-header-meta":"default","adv-header-id-meta":"","stick-header-meta":"","header-above-stick-meta":"","header-main-stick-meta":"","header-below-stick-meta":"","astra-migrate-meta-layouts":"set","ast-page-background-enabled":"default","ast-page-background-meta":{"desktop":{"background-color":"var(--ast-global-color-4)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"ast-content-background-meta":{"desktop":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"tablet":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""},"mobile":{"background-color":"var(--ast-global-color-5)","background-image":"","background-repeat":"repeat","background-position":"center center","background-size":"auto","background-attachment":"scroll","background-type":"","background-media":"","overlay-type":"","overlay-color":"","overlay-opacity":"","overlay-gradient":""}},"_joinchat":[],"footnotes":""},"categories":[1],"tags":[],"class_list":["post-6064","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-uncategorized"],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v24.6 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\n<title>Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget! -<\/title>\n<meta name=\"description\" content=\"Stop tergiur dengan iklan pinjol! Jika ingin mencari kredit yang murah dan aksesnya mudah, yuk cek Kredit Prokesra dari Bank UMKM Jatim.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/\" \/>\n<meta property=\"og:locale\" content=\"en_US\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget! -\" \/>\n<meta property=\"og:description\" content=\"Stop tergiur dengan iklan pinjol! Jika ingin mencari kredit yang murah dan aksesnya mudah, yuk cek Kredit Prokesra dari Bank UMKM Jatim.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/\" \/>\n<meta property=\"article:published_time\" content=\"2025-04-15T02:20:41+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg\" \/>\n\t<meta property=\"og:image:width\" content=\"2000\" \/>\n\t<meta property=\"og:image:height\" content=\"2000\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/jpeg\" \/>\n<meta name=\"author\" content=\"Administrator\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"Administrator\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"2 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\/\/schema.org\",\"@graph\":[{\"@type\":\"WebPage\",\"@id\":\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/\",\"url\":\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/\",\"name\":\"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget! -\",\"isPartOf\":{\"@id\":\"https:\/\/bprjatim.co.id\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#primaryimage\"},\"image\":{\"@id\":\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#primaryimage\"},\"thumbnailUrl\":\"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg\",\"datePublished\":\"2025-04-15T02:20:41+00:00\",\"author\":{\"@id\":\"https:\/\/bprjatim.co.id\/#\/schema\/person\/0da24b13ba78fe880a8be6f7c488b1fa\"},\"description\":\"Stop tergiur dengan iklan pinjol! Jika ingin mencari kredit yang murah dan aksesnya mudah, yuk cek Kredit Prokesra dari Bank UMKM Jatim.\",\"breadcrumb\":{\"@id\":\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#breadcrumb\"},\"inLanguage\":\"en-US\",\"potentialAction\":[{\"@type\":\"ReadAction\",\"target\":[\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/\"]}]},{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#primaryimage\",\"url\":\"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg\",\"contentUrl\":\"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg\",\"width\":2000,\"height\":2000,\"caption\":\"image by freepik\"},{\"@type\":\"BreadcrumbList\",\"@id\":\"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#breadcrumb\",\"itemListElement\":[{\"@type\":\"ListItem\",\"position\":1,\"name\":\"Home\",\"item\":\"https:\/\/bprjatim.co.id\/\"},{\"@type\":\"ListItem\",\"position\":2,\"name\":\"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget!\"}]},{\"@type\":\"WebSite\",\"@id\":\"https:\/\/bprjatim.co.id\/#website\",\"url\":\"https:\/\/bprjatim.co.id\/\",\"name\":\"\",\"description\":\"\",\"potentialAction\":[{\"@type\":\"SearchAction\",\"target\":{\"@type\":\"EntryPoint\",\"urlTemplate\":\"https:\/\/bprjatim.co.id\/?s={search_term_string}\"},\"query-input\":{\"@type\":\"PropertyValueSpecification\",\"valueRequired\":true,\"valueName\":\"search_term_string\"}}],\"inLanguage\":\"en-US\"},{\"@type\":\"Person\",\"@id\":\"https:\/\/bprjatim.co.id\/#\/schema\/person\/0da24b13ba78fe880a8be6f7c488b1fa\",\"name\":\"Administrator\",\"image\":{\"@type\":\"ImageObject\",\"inLanguage\":\"en-US\",\"@id\":\"https:\/\/bprjatim.co.id\/#\/schema\/person\/image\/\",\"url\":\"https:\/\/secure.gravatar.com\/avatar\/30f22a85d86b48585e2c537396655da0efda23109447593bc862ac52d95d84c7?s=96&d=mm&r=g\",\"contentUrl\":\"https:\/\/secure.gravatar.com\/avatar\/30f22a85d86b48585e2c537396655da0efda23109447593bc862ac52d95d84c7?s=96&d=mm&r=g\",\"caption\":\"Administrator\"},\"url\":\"https:\/\/bprjatim.co.id\/index.php\/author\/corsec\/\"}]}<\/script>\n<!-- \/ Yoast SEO plugin. -->","yoast_head_json":{"title":"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget! -","description":"Stop tergiur dengan iklan pinjol! Jika ingin mencari kredit yang murah dan aksesnya mudah, yuk cek Kredit Prokesra dari Bank UMKM Jatim.","robots":{"index":"index","follow":"follow","max-snippet":"max-snippet:-1","max-image-preview":"max-image-preview:large","max-video-preview":"max-video-preview:-1"},"canonical":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/","og_locale":"en_US","og_type":"article","og_title":"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget! -","og_description":"Stop tergiur dengan iklan pinjol! Jika ingin mencari kredit yang murah dan aksesnya mudah, yuk cek Kredit Prokesra dari Bank UMKM Jatim.","og_url":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/","article_published_time":"2025-04-15T02:20:41+00:00","og_image":[{"width":2000,"height":2000,"url":"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg","type":"image\/jpeg"}],"author":"Administrator","twitter_card":"summary_large_image","twitter_misc":{"Written by":"Administrator","Est. reading time":"2 minutes"},"schema":{"@context":"https:\/\/schema.org","@graph":[{"@type":"WebPage","@id":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/","url":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/","name":"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget! -","isPartOf":{"@id":"https:\/\/bprjatim.co.id\/#website"},"primaryImageOfPage":{"@id":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#primaryimage"},"image":{"@id":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#primaryimage"},"thumbnailUrl":"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg","datePublished":"2025-04-15T02:20:41+00:00","author":{"@id":"https:\/\/bprjatim.co.id\/#\/schema\/person\/0da24b13ba78fe880a8be6f7c488b1fa"},"description":"Stop tergiur dengan iklan pinjol! Jika ingin mencari kredit yang murah dan aksesnya mudah, yuk cek Kredit Prokesra dari Bank UMKM Jatim.","breadcrumb":{"@id":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#breadcrumb"},"inLanguage":"en-US","potentialAction":[{"@type":"ReadAction","target":["https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/"]}]},{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#primaryimage","url":"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg","contentUrl":"https:\/\/bprjatim.co.id\/wp-content\/uploads\/2025\/04\/3820254.jpg","width":2000,"height":2000,"caption":"image by freepik"},{"@type":"BreadcrumbList","@id":"https:\/\/bprjatim.co.id\/index.php\/2025\/04\/15\/pinjol-ilegal-vs-lembaga-keuangan-legal-jauh-berbeda\/#breadcrumb","itemListElement":[{"@type":"ListItem","position":1,"name":"Home","item":"https:\/\/bprjatim.co.id\/"},{"@type":"ListItem","position":2,"name":"Pinjol Ilegal vs Lembaga Keuangan Legal: Bedanya Jauh Banget!"}]},{"@type":"WebSite","@id":"https:\/\/bprjatim.co.id\/#website","url":"https:\/\/bprjatim.co.id\/","name":"","description":"","potentialAction":[{"@type":"SearchAction","target":{"@type":"EntryPoint","urlTemplate":"https:\/\/bprjatim.co.id\/?s={search_term_string}"},"query-input":{"@type":"PropertyValueSpecification","valueRequired":true,"valueName":"search_term_string"}}],"inLanguage":"en-US"},{"@type":"Person","@id":"https:\/\/bprjatim.co.id\/#\/schema\/person\/0da24b13ba78fe880a8be6f7c488b1fa","name":"Administrator","image":{"@type":"ImageObject","inLanguage":"en-US","@id":"https:\/\/bprjatim.co.id\/#\/schema\/person\/image\/","url":"https:\/\/secure.gravatar.com\/avatar\/30f22a85d86b48585e2c537396655da0efda23109447593bc862ac52d95d84c7?s=96&d=mm&r=g","contentUrl":"https:\/\/secure.gravatar.com\/avatar\/30f22a85d86b48585e2c537396655da0efda23109447593bc862ac52d95d84c7?s=96&d=mm&r=g","caption":"Administrator"},"url":"https:\/\/bprjatim.co.id\/index.php\/author\/corsec\/"}]}},"_links":{"self":[{"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/posts\/6064","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/users\/2"}],"replies":[{"embeddable":true,"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/comments?post=6064"}],"version-history":[{"count":1,"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/posts\/6064\/revisions"}],"predecessor-version":[{"id":6066,"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/posts\/6064\/revisions\/6066"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/media\/6065"}],"wp:attachment":[{"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/media?parent=6064"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/categories?post=6064"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/bprjatim.co.id\/index.php\/wp-json\/wp\/v2\/tags?post=6064"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}