DPRD And Bogor City Government Agree To Accelerate Discussion Of The Regional Regulation On Pinjol And Mobile Banks

A number of children play near a mural with the theme of online loan (pinjol) in the Tempurejo area, Surabaya, East Java, Tuesday September 2021. (Antara-Didik S)

BOGOR - Bogor City DPRD chairman Atang Trisnanto promised to continue discussing the Draft Regional Regulation (Raperda) which contains public protection against online loans (pinjol) or online and mobile banks.

The Draft Regional Regulation on the Proposed Initiative on Community Protection from the Impact of Online Loans, Mobile Banks, Illegal Cooperatives and Moneylenders, has been approved by the DPRD and the Bogor City Government.

This was conveyed by Atang after the Bogor City DPRD together with the local City Government held a plenary meeting at the DPRD Building, Jalan Pemuda, Tanah Sareal Village, Tanah Cereal District, Bogor City, Thursday, June 23.

"Many residents have complained about the phenomenon of mobile bank victims, moneylenders, and loan sharks. With high interest rates, they have ensnared residents and caused social, economic and household problems," said Atang.

Atang said, at the end of 2020, he received many audiences from community leaders who hoped that there would be a government presence on the disturbing phenomenon of moneylenders and mobile banks.

"One of them was during an audience with us at the DPRD. In addition, many residents also submitted their complaints during the recess of the leaders and members of the Bogor City DPRD. For this reason, a solution to this serious problem needs to be found and the DPRD proposes this Raperda Proposed Initiative," he said.

The Raperda was finally approved and included in the list of the 2022 Regional Regulation Formation Program (Propemperda) at the end of 2021.

Ateng ensured that the council members were unanimously determined to continue the discussion of the Raperda with the Bogor City Government.

"Furthermore, we will wait for the views of the Bogor City Government and will immediately follow up with the formation of a special committee for discussion. We hope that this Raperda on Proposed Initiatives can be discussed as soon as possible, because the impact of mobile banks, moneylenders, and illegal loan lenders has caused social, economic problems, and the dissolution of houses. stairs," he said.

Siti Maesaroh, chairman of the Regional Regulation Formation Agency (Bapemperda) of the Bogor City DPRD, explained that there are three foundations that underlie the preparation of this proposed Raperda, namely the philosophical basis, the sociological basis, and the juridical basis.

"The community needs to be protected against online lending practices, mobile banks, illegal cooperatives and moneylenders that cause disturbances to public order," said Siti.

Siti conveyed that the contents of this draft regional regulation consisted of 11 chapters and 17 articles. Based on Antara's report, the main materials regulated in money lending services include risk mitigation, the principle of user protection.

Furthermore, prohibitions and sanctions for organizers and users, local government obligations, as well as prohibitions, monitoring and evaluation as well as community participation.

He said that all factions in the Bogor City DPRD also agreed that the discussion of the Raperda on Community Protection from the Impact of Online Loans, Mobile Banks, Illegal Cooperatives and Moneylenders would continue.

In the faction's general view of the Raperda Usul Prakarsa, representatives of the factions, Heri Cahyono, said that the local government should continue to improve protection for the community and carry out supervision and take firm action against misuse of online loans or peer to peer lending (fintech lending) financial technology that is troubling the public.

"Therefore, the presence of the Raperda Proposed DPRD Initiative is expected to be able to answer community problems. At least the state must be present in the midst of community problems, especially in terms of socialization and education," he said.

The background to the proposed Raperda is because many complaints have been submitted to the Bogor City DPRD from victims of online loans and mobile banks.