OJK Urges Customers To Pay Loans On Time

Chief Executive of the Behavior Supervisory of Financial, Education and Protection Business Actors of the Financial Services Authority (OJK), Friderica Widyasari Dewi. (Photo: Doc. Antara)

JAKARTA - The Financial Services Authority (OJK) urges customers to pay the loans or loans they take on time or amount because the institution will not protect customers who do not comply with loan payments.

"Indeed, OJK Regulation (POJK) Number 22 of 2023 exists to protect consumer and public interests, but not for consumers who do not have good intentions," said Chief Executive of the Behavior Supervisory of Financial, Education and Protection Business Actors of OJK Consumers Friderica Widyasari Dewi in Jakarta, quoted from Antara, Wednesday, April 3. He also asked customers to always have good intentions when deciding to take loans and try to restore the financing.

If he is unable to pay credit smoothly, he advises borrowers to ask lenders for restructuring or joint discussion to find other solutions.Friderica stated that the public needs to consider well before debt because customers whose payments are jammed will be recorded in the Financial Information Service System (SLIK) or the Financial Lending Data Center (Pusdafil) OJK. "So, we always emphasize and convey to the public as well as to financial service business actors (PUJK) that OJK does not protect consumers who have bad intentions or rogue consumers," he said.

He also reminded PUJK to consider the background, work, and ability to pay consumers and ensure the suitability between consumers and the products they take.

Friderica mengatakan bahwa pihaknya pernah memberikan sanksi kepada beberapa PUJK karena memaksa nasabah mengambil produk yang tidak sesuai dengan profil mereka agar mendapatkan banyak pelanggan.“Jangan memaksakan sesuatu yang tidak sesuai dengan kebutuhan konsumen. Jadi, dua-duanya kita imbau, kepada konsumen dan juga kepada pelaku industri,” katanya.