Deputy Director of the Financial Services Authority (OJK) Dahnial Apriyadi revealed that there are still many practices of selling personal data by illegal online loan networks (pinjol) even though the application has been closed.
According to him, data that has been stolen from the victim's cellphone is often traded and reused for illegal collection by other applications.
"The data that already exists when we coordinate or relate to illegal loans, even though they are closed, they sell our data," he told the media at the Criminal Investigation Unit of the National Police Headquarters, South Jakarta, Thursday, November 20, 2025.
Dahnial explained that the misuse of data occurred when an unconscious user gave full access to illegal applications when they first accessed it. So, it is suspected that the perpetrator took all the data from the cellphone
"Once we are okay with the relationship with him (pinjol application), all of this data can be taken," he said.
He said this pattern of crime caused victims who had paid off the loan to remain the target of threats to pay back. This is because the perpetrators who take advantage of the old data continue to be traded.
"They may have been arrested by the illegal loan management, we have convicted them, but they can sell the data again. In fact, it can be misused by other loans, with all terror threats," he concluded.
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