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Praktik Buruk Bisa Pengaruhi Bisnis Fintech

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Di acara Spire TechnoBusiness Lunch, KoinWorks dan Danadidik menanggapi praktik-praktik ilegal yang dapat memengaruhi bisnis fintech. 

Jakarta, TechnoBusiness ID ● Bisnis fintech (financial technology) di Tanah Air lima tahun terakhir tumbuh subur. Jumlahnya ratusan, walau yang terdaftar di Otoritas Jasa Keuangan (OJK) jauh lebih sedikit.

Berdasarkan data OJK per 8 April 2019, jumlah penyelenggara bisnis fintech terdaftar dan berizin sebanyak 106 perusahaan. Jumlah itu jauh lebih sedikit dibanding fintech yang ilegal.

Pada Minggu (28/4) kemarin, Satuan Tugas Waspada Investasi OJK mengumumkan bahwa pihaknya telah menghentikan 144 fintech lending ilegal. Dalam empat bulan pertama 2019, sudah ada 543 fintech ilegal yang dihentikan OJK.

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Padahal, tahun lalu Satgas Waspada Investasi OJK sudah menutup 404 fintech peer-to-peer lending. Jika ditotal, satgas tersebut sudah menghentikan 947 fintech ilegal.

“Jumlah fintech lending ilegal yang beredar masih banyak. Kami mohon masyarakat tetap waspada dan berhati-hati sebelum memilih perusahaan fintech lending,” ungkap Ketua Satgas Waspada Investasi OJK Tongam L. Tobing di Jakarta, Minggu (28/4).

Bukan sekadar persoalan izin, cara penagihan yang dilakukan oleh beberapa perusahaan fintech juga menjadi sorotan. Menagih dengan cara mengontak semua daftar nomor kontak peminjam pernah ramai dibicarakan.

Praktik-praktik semacam itu jelas merugikan industri fintech. “Kami yang tidak melakukan ikut terimbas,” ungkap Jonathan Bryan, Chief Marketing Officer KoinWorks, dalam acara Spire TechnoBusiness Lunch di Penang Bistro Grand Indonesia, Jakarta (8/4).

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Kalau misalnya ada peminjam yang menunggak, lanjut Jonathan, yang dilakukan KoinWorks adalah membantu mencari solusinya. “Sekarang kuatnya berapa. Jadi, threat-nya lebih ke ngebenerin sih, bukan malah memarahi mereka,” katanya.

Praktik-praktik buruk itu bisa jadi hanya sebagian kecil, tapi di-blow up sehingga menimbulkan kesan meminjam di fintech cukup menakutkan. Padahal, ujar co-founder dan CEO Danadidik Dipo Satria Ramli, itu lebih banyak terjadi di bisnis fintech ilegal.

Sebagai fintech untuk pembiayaan pendidikan, Danadidik tidak pernah melakukan praktik semacam itu. “Itu lebih banyak terjadi di bisnis fintech ilegal. Kalau di kami tidak efektif. Kami lebih kepada problem solving,” jelas Dipo yang juga bergabung dalam acara Spire TechnoBusiness Lunch.

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Kepada Tim Redaksi TechnoBusiness Indonesia, Jonathan dan Dipo menjelaskan sebenarnya tata cara penagihan menggunakan pihak ketiga sudah diatur oleh OJK, yang tak berbeda jauh dengan di perbankan.

“Jadi, secara teknologi memang bisa menyedot seluruh daftar kontak ponsel peminjam untuk menagih, tetapi secara aturan tidak boleh,” tegas Jonathan. “Secara teknologi bisa, tapi secara aturan tidak boleh.”

Jonathan dan Dipo sama-sama sepakat jika praktik-praktik semacam itu dibiarkan terus-menerus, bisa jadi akan berimbas buruk terhadap bisnis fintech di Indonesia ke depan.●

—Purjono Agus Suhendro, TechnoBusiness ID ● Foto: TechnoBusiness ID

 

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