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Menurut dia, pinjol yang tidak teregulasi atau ilegal sering kali menawarkan proses pinjaman yang sangat cepat dan mudah tanpa memeriksa kemampuan bayar peminjam, sehingga berpotensi disalahgunakan oleh individu yang terlibat dalam penipuan judi online.
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Dia mengakui, tren pinjol ilegal masih marak. Tidak ada statistik resmi yang menunjukkan berapa jumlah aplikasi pinjol ilegal, tetapi jumlah aplikasinya yang ditutup (take down) oleh Kemenkominfo masih berkisar ratusan aplikasi. Dia menduga hal ini dipengaruhi oleh mudahnya membuat dan merilis aplikasi electronic.