Buying And Selling E-KTP For Pinjol: Evidence Of Vulnerable Personal Data Stolen

Previously, we reviewed how illegal online loan providers exploit their customers' personal data. This is the impact of easy access to other people's personal data. Only with a copy of someone else's E-KTP, someone can fake their identity to apply for a loan online. The next VOI Series article "Personal Data Broke Out" is about the vulnerability of misuse of personal data.

During a pandemic, online loan platforms (pinjol) are like prima donna. Only with a personal identity card (E-KTP), a person can apply for a loan. But it is like eating simalakama fruit. Because behind that convenience there are many problems. The emergence of criminals using fake E-KTP, one of them. They get fresh funds, while the owner of the data loses money. Even though the transaction was not carried out.

Nowadays, getting an online loan is quite easy. Prospective borrowers only need an E-KTP, phone number and social media account. After that, the lender will invite the borrower to fill out a loan application form through the application. If the terms are agreed, it will not take long for the funds to be disbursed.

This convenience has been experienced by Riko. The 32-year-old man admits that his applications are often accepted by loan easily. The problem was that he did not only apply for funds to one loan, but to many borrowers.

Riko said that the loan did not really pay attention to the authenticity of the identity card. As long as the contacts and social media are active, the loan can be disbursed immediately. Because, several times Riko tried to register to pinjol, it was always successful. Even then, with an expired E-KTP.

"Yes, pinpointing the list is easy. I don't think it's important for their identity. The important thing is access to the cellphone, because I once signed up with an E-KTP, it just expires. Especially now in the Facebook group there is a fake E-KTP auction specifically for loan lists, ”Riko told VOI, Friday, April 30.

It's different from Riko, it's different from Putra. Although both admit that they have used fake E-KTPs to beat loan. The son, who is still unemployed, said that registering to loan to get fresh funds is an easy task. It's difficult because if the loan you want to disburse is quite large. For example, IDR 5 million and above. It's easy according to Putra when the loan is only around Rp. 500 thousand - Rp1 million.

"But for large loans, it is difficult. For loans that are only IDR 500 thousand - IDR 1 million it's easy. Because you only need an E-KTP photo, a photo of yourself with your E-KTP, fill in the form and it's done. For loans over IDR 5 million it's a bit difficult. Because there is a verification of the account number. The place of work, the paycheck, the list of relatives living at home, it was all confirmed. This is the proof of the smooth running of online shopping activities, for example shopping frequently at several market places, ”said Putra to VOI, Friday, April 30.

However, the ease of conquering the loan has actually opened up new livelihoods, namely fake E-KTP sellers. The sale of E-KTPs has even spread to various social media. Some, as revealed by the Twitter account @pinjollaknat, are openly selling blank E-KTPs. In fact, not only KTP, NPWP, salary slips, bpjs, even certificates were also sold. Everything is for the sake of making it easier for someone to be able to withdraw a loan from loan.

The impact of the fake E-KTP spread made those who did not feel that they had borrowed the sap. They then got intimidated with them, their profile photos were shared, and the matter of the loan began to be spilled out to their closest relatives. This is also experienced by the owner of the Twitter account @ zomet13. He has received intimidation from a group of debt collectors who came to his house and damaged several flower pots.

Suddenly one black car stopped at the house. It contained 5 men with a straight body. Someone borrowed money using my address. How can you? 😏 The name that was borrowed was said to be Yendra, I already said that I didn't know that name, I don't believe it. look inside the house & destroy flower pots 😳

- zoemient13 (@ zomet13) April 20, 2021

"Pinjol. Suddenly a black A *** nza car stopped in front of the house. It contained five well-built men. There are those who borrow money using my home address. How come? Grinning face The name that borrowed said Yendra, it's already been said that you don't know the name, don't believe it. Looked into the house and broke flower pots, ”he tweeted.

The owner of the @karinhaie account also experienced the same incident. Even worse. although not intimidated, @karinhaie was immediately sent a summons by the bad credit which he did not feel like he had signed up at all. After investigating, his name and date of birth were the same. However, other details are different, causing confusion.

"Again confused oath. Suddenly I get a summons like this, even though I never had a credit card and didn't have an account at the bank concerned, "chirped @karinhaie.

Again confused about my oath .. Suddenly I got a summons like this even though I never had a credit card and didn't have an account at the bank concerned .. pic.twitter.com/tcHDIK88mE

- Andi Karina A. K (@karinhaie) April 19, 2021

Responding to the increasing number of victims who did not feel like they were making loans, the founder of Drone Emprit, Ismail Fahmi, spoke up. According to him, so that there are not many victims affected by slander, the Financial Services Authority (OJK) as the one who has the intention must immediately do something. This means that the policy related to this loan must be rethought by the OJK so that there are not many victims.

Furthermore, Ismail Fahmi also called on the police to act immediately. Indeed, if seen from the case of the case, the problem of borrowing is not a big thing. However, if all of them are collected, coupled with cases of people who have committed suicide because of being intimidated by loaning out, the non-financial costs will be much greater. People slandered, slandered each other, until the nuances of the workplace have been destroyed are just a few of the problems that arise from borrowing. Even the DPR as the people's representative must immediately intervene. There are many victims from the people. Moreover, the number of loans has reached more than 300.

"Imagine more than 300 borrowers and it invades people who have financial difficulties. Pinjol is massive. They made big profits. And those who are targeted are weak people who are just bullied and scared. Just gotta be lucky. Borrow Rp.1 million, maybe 800 thousand. The return could be more than Rp1 million, "said Ismail Fahmi.

With such lucrative benefits, said Ismail, they are willing to take various ways. “They don't seem to care about haram or not. When viewed from the large number of loans they made a big profit. That's why it is up to the DPR, Police, and OJK levels to move to protect this, ”said Ismail.