Blogger Kediri- Do you want to shop for an item but don't have the money yet? Saving can indeed be a solution but let's say that at this time the price of the item is a special offer and has a time limit, if we shop next month the price is reasonable then there is no harm in borrowing money
Luckily if you have a credit card, you can shop for things first and pay the bills behind before they are due, unfortunately not everyone has a credit card, even if they want to make the requirements quite a lot and the credit nominal given is also not necessarily large
If saving doesn't solve the problem, doesn't have a credit card or is even rejected when you apply, then another solution you can try is to apply for an online loan via an application. We often get SMS suggestions to make online compensation with the lure of low interest and the protection provided is quite large
There are lots of imitation online donation applications circulating in the playstore, they ask you to complete data such as ID card scans, selfie photos with identity, phone numbers of the closest people who can be contacted and so on but after all the criteria you complete the answer is Zonk! it's even worse if your data is misused by unscrupulous people to do online assistance elsewhere
You and the number of the closest person will be terrorized to return the money compensation even though you feel you have never borrowed it at all, you know if you have had problems with online loans like what to collect, starting from being terrorized by telephone every 1 hour, your data is uploaded to the group/community local as debtors who don't want to spend money, your acquaintances are contacted to pay off debts and so on
List of trusted Pinjol applications with low interest
There are several applications to make money but it is not instant because you have to complete several missions, and even then the result is small. But if you use an online loan application, the impression is also instant, even though there are many benchmarks that you must complete. The more often you borrow money online, the greater the protection quota provided, for example, at the beginning the maximum assistance limit is Rp. 500,000 after borrowing and paying it off without maturity as much as 5x the next aid quota can be Rp. 1,500,000
In this article, the Helmykediri blog will share a list of the best and most trusted online donation applications, directly registered with the OJK, which you can use to apply for online donations from home.
In addition to the online compensation application, I will also provide a list of digital credit cards to buy goods at online stores because several e-commerce merchants have coordinated with the digital credit card issuer.
Sementara aplikasi pinjaman online lebih dikhususkan bagi anda yang membutuhkan uang secara tunai dengan cepat dan aman. Semuanya terdaftar di OJK atau bisa anda periksa di https://www.antaraksara.com//search?q=cara-spiritual-bayar-hutang-hingga-lunas" target="_blank">Spiritual way to pay debt anti-riba
6. Quick Credit
11. UKU - Online Cash Loans
UKU is an unsecured online support application that is quite popular in Indonesia and has been registered with the OJK with the number S58/NB.213/2019
The loan period is 91 - 180 days with a daily fee of 0.035% service fee per day 0.25% maximum annual interest of 14%, nominal protection between IDR 500,000 - 3,000,000
Low interest: if you take an application of 1,000,000 rupiah for 120 days, after deducting pre-service fees, then the total payment is Rp. 1,000,000 + (Rp. 1,000,000 x 0.035% x 91 days) = Rp. 1,042,000
The registration process is easy and installments can be paid in installments via ATM, Mbanking, Alfa Group (Alfamidi, Alfamart, Alfa Express). UKU is under the auspices of PT. Merlin Sejahtera Technology has been committed to maintaining user data and locking information channels without the user's consent to anyone
Credit application requirements must be over 18 years old and have an ID card (no guarantee!)
After completing the standard you may receive a call to evaluate the data and ensure that the data entered is correct. Once verified, the funds will be sent directly to your account
UKU – My Financial Solution for legal, safe, lightweight, easy and familiar online giving funds.
12. Maucash – Online Cash Loan Credit
Maucash is a trusted money-giving credit application from Astra that can realize your dream of offering fast, liquid online money support without collateral. The entire process of fund assistance services in Maucash is supervised and follows OJK service procedures so that the confidentiality of user data on donations in Maucash is guaranteed to be conducive.
Nominal protection between IDR 500,000 - 10,000,000, payment tenor 61 - 360 days, interest 6%/month, management fee 9-24%, age limit of borrower 18 - 75 years
Example of calculating the installment payment for the first credit application: Donation amount Rp. 2,500,000 – monthly installments (30 days)* : Rp. 984,000 (91 days) or Rp. 775,000 (120 days)
The entire loan process is completely done online only from the application, complete your personal data by uploading a photo ID card and other supporting documents (NPWP, salary slips, SKU)
The security of your data is guaranteed because MauCash is officially supervised by OJK with license number KEP-84/D.05/2019
Complete all requested documents so that your request is processed quickly, you may be called to verify the completeness of the data. You can pay the loan installments at Maucash through ATMs, Group Alfa and Maucash branch offices
13. KTA KILAT - Quick Money Loan
It has been installed by more than 230 thousand android devices and received 4.5/5 star reviews on Playstore.
KTAKilat is an online cash charity credit platform that is registered and supervised by the OJK (Financial Services Authority). KTAKilat does not require any guarantees, only requires an ID card, only by downloading the application. You can borrow cash in installments of up to 8,000,000 rupiah in a few minutes. You can also increase the limit and support period by increasing your credit score, the more complete the data, the higher your credit score.
KTA express serves loan loans without collateral in a fast, easy and uncomplicated manner. The borrower is free to decide the amount of credit, the length of the loan, fill in the data and wait for verification from the lightning-fast procedure
Completeness of documents only required Original KTP. Optimal support amount Rp.8.000.000, no admin fee, optimal 120-day tenor, 5-10% interest
Has a lot of real reviews on Playstore as the fastest, easy, uncomplicated and easy
158 FINTECH REGISTERED AND PERMITTED AS AUGUST 5, 2020
Getting to know usury
According to M Quraish Shihab, usury is an act to take advantage of capital from those in need by exploiting their needs. Meanwhile, according to Mrs. Katsir, usury is helping or helping, but seeking profit behind the loan even strangles and sucks blood.
Prohibition of usury discourse
"So because of the oppression of the Jews, we forbade them (eating food) that is good (which was previously) lawful for them. And because they limit (humans) a lot from the way of Allah and because they eat usury, even though they have been forbidden from it, and the reason is that they eat people's wealth in a false way. And We have made for the disbelievers among them a painful torment." (Surat an-Nisa: 160-161)
"O you who believe, do not eat usury multiplied and fear Allah so that you receive good fortune. Protect yourselves from the fire of hell, which is prepared for the disbelievers." (Qs. Ali Imron 3: 130).
“Allah destroys usury and enriches alms. And Allah does not like anyone who remains in disbelief, and always sins." (Surat al-Baqarah 2: 276)
