Management literacy and education on the use of online loan for cleaning service workers at christian university of Indonesia Jakarta

M Allo, Yusuf Rombe and Siregar, Edison and Panggabean, Lenny (2024) Management literacy and education on the use of online loan for cleaning service workers at christian university of Indonesia Jakarta. International Journal of Commerce and Management Research, 10 (4). pp. 82-85. ISSN 2455-1627

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Abstract

The sampling activity in this activity is outsourced labor, cleaning service and office boy who are temporarily assigned to the campus of Universitas Kristen Indonesia Cawang Jakarta. These outsourced workers are under the auspices of outsourced labor provider PT. Intercipta Jasa Indonesia. who have never received literacy and education about online loan start-ups (pinjol) from any party so it is considered necessary to do, education about online loan star-ups. So that they can avoid the practice of illegal online loans. Globalization is a word that is often heard in our daily activities, both in official disclosure and in activities or casual conversation. The word implies a term that on the one hand is very proud but on the other hand is quite worrying for human civilization where the rapid development of technology is inevitable for humanity, which psychologically changes mindset and lifestyle following the times. With the increasingly materialistic and self-centered human beings today, who only think about how to live unrivaled. This kind of behavior is inseparable from technological developments, especially in the financial technology sector. So widespread financial technology is like the growth of mushrooms in the rainy season as well as the enthusiasm of the community is very tempted by the offers of these online loan companies by not paying attention to the terms and procedures and interest rates applied, moreover the community cannot distinguish which online loans are legal and illegal. With this condition, not a few people are trapped with online loan cases from the inability to repay their loans, falling ill, disrupting household harmony and even committing suicide. For this reason, it is necessary to provide literacy and education so that people better understand the ins and outs of online lending so that they can avoid unhealthy and harmful online lending practices. The method of implementing activities on this respondent is by using the counseling and literacy approach to the outsoucing workforce of Universitas Kristen Indonesia. While the problem faced by the outsoucing workforce of Universitas Kristen Indonesia is still a lack of understanding of the use of online loan star-ups and the consequences they have, so it is necessary to have literacy and education on an ongoing basis. Keywords: Literacy, education, technology, star-ups, online loans

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