Dampak Judi dan Pinjaman Online Ilegal

Authors

  • Nurhafiza Nurhafiza Universitas Sultan Muhammad Syafiudin Sambas
  • Tan Dwi Rizki Ramadini Universitas Sultan Muhammad Syafiudin Sambas
  • Iqmal Imanda Universitas Sultan Muhammad Syafiudin Sambas

Keywords:

Online Gambling, Online Loans, Social Impact, Digital Literacy, Illegal Online Loans, Digital Addiction, Economic Impact

Abstract

This study examines the increasingly alarming phenomenon of online gambling and illegal online loans (pinjol) in today's digital society. Ease of access, aggressive promotion, low digital literacy, and social pressure are the main factors driving individuals to engage in these risky practices. The study used descriptive qualitative methods through interviews and literature review to understand victims' experiences and patterns of involvement. The results indicate that online gambling and illegal online loans are interconnected, forming an addictive cycle that causes financial loss, psychological distress, and social conflict for victims. Economic factors, such as the need for quick funds, and psychological factors, such as impulsive behavior, reinforce victims' entanglement in these activities. Impacts include damaged family relationships, job loss, prolonged stress, and the risk of depression due to the pressure of loan repayment. This study emphasizes the need for government intervention, digital literacy education, and psychological support for victims to break the chain of these illegal practices. These findings are expected to form the basis for developing more comprehensive policies and strategies to address online gambling and illegal online loans.

References

Andini, R. (2023). Perilaku Konsumtif Digital dan Dampaknya Terhadap Generasi Muda. Jakarta:Prenadamedia.https://scholar.google.com/scholar?q=Perilaku+Konsumtif+Digital+Andini+2023

Arifin, M. (2021). Ketimpangan Regulasi Teknologi Digital di Indonesia. Bandung: Alfabeta.https://scholar.google.com/scholar?q=Ketimpangan+Regulasi+Teknologi+Digital+Arifin+2021

Deri, M. F., Saragih, R. M., Andini, A., Hanum, F., & Sirait, N. (2023). Pengaruh Analisis SWOT Digital Payment (OVO) terhadap Perilaku Konsumtif Mahasiswa. El-Mal: Jurnal Kajian Ekonomi & Bisnis Islam, 4(5), 1387–1394. https://doi.org/10.47467/elmal.v4i5.3313

Fatmawati, Iswandi, H., Bulutoding, L., & Wahab, A. (2025). PINJAMAN ONLINE ILEGAL DAN DAMPAKNYA TERHADAP KEHIDUPAN SOSIAL EKONOMI MASYARAKAT. Iqtishaduna: Jurnal Ilmiah Mahasiswa Hukum Ekonomi Syari’ah, 6(2), 487–496. https://doi.org/10.24252/iqtishaduna.vi.54830

Nurbani, Wijaya, H., & Ananda, S. T. (2024). The Intertwined Between Online Gambling and Online Loans (Qualitative Study of College Students in Medan City). Komunika, 20(02), 69–73. https://doi.org/10.32734/komunika.v20i02.18289

Rohmah, Y., & Khodijah, K. (2024). Resiko dan dampak sosial judi dan pinjaman online pada remaja. Dimensia: Jurnal Kajian Sosiologi, 13(1), 85–92. https://doi.org/10.21831/dimensia.v13i1.66871

Firmansyah, D. (2022). “Promosi Digital dan Perilaku Pengguna Internet”. Jurnal Komunikasi Digital, 7(2).https://ejournal.ilkom.fisip-unmul.ac.id/

Hasanah, S. (2022). “Dampak Ekonomi Pinjaman Online Ilegal”. Jurnal Ekonomi Sosial, 5(1).https://ojs.unud.ac.id

Hidayat, R. (2021). Cybercrime dan Perkembangan Judi Online. Yogyakarta:Deepublish.https://deepublishstore.com/

Maulana, A. (2022). “Dinamika Pemblokiran Situs Ilegal di Indonesia”. Jurnal Teknologi

Hukum, 6(3).https://jurnal.kominfo.go.id

Mustofa, K. (2023). Sosiologi Risiko Digital. Surabaya: Airlangga Press.

https://scholar.google.com/scholar?q=Sosiologi+Risiko+Digital+Mustofa+2023

Ramdhan, Y. (2021). Dampak Sosial Perilaku Menyimpang di Era Digital. Makassar: Pustaka Timur.https://scholar.google.com/scholar?q=Dampak+Sosial+Perilaku+Menyimpang+Ramdhan+2021

Salim, T. (2023). “Analisis Ekonomi Rumah Tangga Rentan dalam Era Digital”. Jurnal Ekonomi Kritis, 4(4).https://journal.unhas.ac.id/

Syamsuddin, R. (2020). Kejahatan Digital dan Penegakan Hukum. Jakarta: Kencana.https://www.kencanaonline.com/

Suryani, R. (2020). “Perilaku Masyarakat dalam Menggunakan Layanan Pinjol”. Jurnal Perilaku Konsumen, 3(1).https://ejournal.ipb.ac.id/

Utami, N. (2021). Psikologi Konsumen dan Ketergantungan Digital. Malang: UB Presshttps://press.ub.ac.id/

Downloads

Published

2026-03-02

Issue

Vol. 1 No. 1 (2026): Al-Maal : Journal of Islamic Economic Studies

Section

Articles

License

Copyright (c) 2025 Nurhafiza Nurhafiza, Tan Dwi Rizki Ramadini, Iqmal Imanda

Creative Commons License

This work is licensed under a Creative Commons Attribution-ShareAlike 4.0 International License.