");margin-right:var(--carousel-margin)}.carousel-control-prev-icon{background-image:url("data:image/svg+xml, ");margin-left:var(--carousel-margin)}.carousel-control-next-icon,.carousel-control-prev-icon{background-repeat:no-repeat;height:var(--carousel-icon);width:var(--carousel-icon);background-color:#262626;background-size:50% 100%;background-position:50%;display:inline-block;border-radius:100%;cursor:pointer}.carousel-indicators{width:calc(100% + (2 * var(--carousel-border)));right:calc(-1 * var(--carousel-border));left:calc(-1 * var(--carousel-border));justify-content:start;position:relative;list-style:none;display:flex;z-index:1;padding:0;bottom:0;margin:0}.carousel-indicators [data-bs-target]{width:calc(100% / 3);height:auto;margin:0}.carousel-indicators [data-bs-target],.carousel.no-js > input[value="0"]:not(:checked) ~ .carousel-indicators [data-bs-target]:nth-child(1),.carousel.no-js > input[value="1"]:not(:checked) ~ .carousel-indicators [data-bs-target]:nth-child(2),.carousel.no-js > input[value="2"]:not(:checked) ~ .carousel-indicators [data-bs-target]:nth-child(3),.carousel.no-js > input[value="3"]:not(:checked) ~ .carousel-indicators [data-bs-target]:nth-child(4),.carousel.no-js > input[value="4"]:not(:checked) ~ .carousel-indicators [data-bs-target]:nth-child(5){border:var(--carousel-border) solid #fff;border-top-width:calc(2 * var(--carousel-border));border-bottom-width:0;cursor:pointer;opacity:.5}.carousel-indicators[data-posts="3"] [data-bs-target]{width:calc(100% / 3)}.carousel-indicators[data-posts="4"] [data-bs-target]{width:calc(100% / 4)}.carousel-indicators[data-posts="5"] [data-bs-target]{width:calc(100% / 5)}.carousel:not(.no-js) .carousel-indicators .active,.carousel.no-js > input[value="0"]:checked ~ .carousel-indicators [data-bs-target]:nth-child(1),.carousel.no-js > input[value="1"]:checked ~ .carousel-indicators [data-bs-target]:nth-child(2),.carousel.no-js > input[value="2"]:checked ~ .carousel-indicators [data-bs-target]:nth-child(3),.carousel.no-js > input[value="3"]:checked ~ .carousel-indicators [data-bs-target]:nth-child(4),.carousel.no-js > input[value="4"]:checked ~ .carousel-indicators [data-bs-target]:nth-child(5){border-top-color:var(--carousel-indicator-color);border-top-width:calc(6 * var(--carousel-border));margin-top:calc(-4 * var(--carousel-border));opacity:1}.wp-block-latest-posts,.wp-block-latest-posts .post,.wp-block-latest-posts__wrapper{align-items:flex-start;flex-direction:column;position:relative;display:flex}.wp-block-latest-posts__wrapper{flex-direction:row;flex-wrap:wrap}.wp-block-latest-posts .post{flex-direction:var(--latest-posts-flex-direction);padding:var(--latest-posts-padding);flex:0 0 100%;width:100%}.wp-block-latest-posts__wrapper > *{margin-bottom:calc(var(--margin-space) * var(--margin))}.wp-block-latest-posts__featured-image{flex:0 0 var(--latest-posts-image-width);margin:var(--latest-posts-image-margin);width:var(--latest-posts-image-width)}.wp-block-latest-posts__featured-image a{border-radius:var(--radius);overflow:hidden;display:block}.wp-block-latest-posts__post-category{display:var(--latest-posts-category-display);margin-right:calc(.5 * var(--margin));order:1}.wp-block-latest-posts__post-category a{padding:calc(.5 * var(--latest-posts-category-padding)) var(--latest-posts-category-padding);border-radius:calc(.5 * var(--latest-posts-category-padding));background:var(--latest-posts-category-background);display:inline-block;font-size:90%;color:#fff}.wp-block-latest-posts__post-category a:hover{background:var(--latest-posts-category-background-hover)}.wp-block-latest-posts__post-title{font-size:var(--latest-posts-title);font-weight:600;margin-top:0;width:100%}.wp-block-latest-posts__post-title a{color:var(--text)}.wp-block-latest-posts__post-title a:hover,.wp-block-latest-posts__featured-image:hover ~ .wp-block-latest-posts__wrapper .wp-block-latest-posts__post-title a{color:var(--a-color-hover)}.wp-block-latest-posts__post-date{font-size:80%;order:2}.wp-block-latest-posts__post-category ~ .wp-block-latest-posts__post-date{margin-top:calc(.4 * var(--margin))}.wp-block-latest-posts__post-excrept{display:var(--latest-posts-excrept-display);font-style:italic;margin-top:0;order:3}.sidebar .wp-block-latest-posts__post-title{font-size:var(--sidebar-latest-posts-title);}.sidebar .wp-block-latest-posts__post-category{display:var(--sidebar-latest-posts-category-display)}.sidebar .wp-block-latest-posts__post-category a{padding:calc(.5 * var(--sidebar-latest-posts-category-padding)) var(--sidebar-latest-posts-category-padding);border-radius:calc(.5 * var(--sidebar-latest-posts-category-padding))}.sidebar section:last-child{top:calc(3rem + var(--sticky));position:sticky}.sidebar-fluid .wp-block-latest-posts{padding:var(--padding) 0 0 var(--padding);flex-direction:row;flex-wrap:wrap}.sidebar-fluid .wp-block-latest-posts .post{flex:0 0 var(--sidebar-fluid-latest-posts-width);width:var(--sidebar-fluid-latest-posts-width);padding:0 var(--padding) var(--padding) 0;flex-direction:column}.sidebar-fluid .wp-block-latest-posts__featured-image{margin:var(--sidebar-fluid-latest-posts-image-margin);--latest-posts-image-width:100%}.entry-post{word-break:break-word}.entry-post,.entry-header,.entry-post .read-also{flex-direction:column;display:flex}.entry-post .entry-title{color:var(--site-header-post-title-color);font-size:var(--site-header-post-title);text-align:center;font-weight:600}.entry-post .entry-metabox,.entry-post .entry-sharebox{justify-content:space-between;padding:0 var(--padding);align-items:center;display:flex}.entry-post .entry-content{font-size:1rem}.entry-post .entry-content h1,.entry-post .entry-content h2{margin:0;font-size:125%;font-weight:600;margin-bottom:var(--margin)}.entry-post .entry-content h3,.entry-post .entry-content h4,.entry-post .entry-content h5,.entry-post .entry-content h6{margin:0;font-size:115%;font-weight:600;margin-bottom:var(--margin)}.entry-post .entry-content ol li{list-style-position:inside;list-style-type:decimal}.entry-post .entry-content ul li{list-style-position:inside;list-style-type:square}.entry-post .entry-content li h1,.entry-post .entry-content li h2,.entry-post .entry-content li h3,.entry-post .entry-content li h4,.entry-post .entry-content li h5,.entry-post .entry-content li h6{display:inline}.entry-post .entry-content p,.entry-post .entry-content ul,.entry-post .entry-content ol,.entry-post .entry-content table,.entry-post .entry-content .google-auto-placed{margin:0;margin-bottom:var(--margin)}.entry-post .entry-content table tbody,.entry-post .entry-content table td,.entry-post .entry-content table tfoot,.entry-post .entry-content table th,.entry-post .entry-content table thead,.entry-post .entry-content table tr{padding:calc(.5 * var(--padding));border-width:1px}.entry-post .read-also a{margin:0;margin-top:calc(.5 * var(--margin))}.entry-post .entry-title,.entry-post .entry-content,.entry-post .entry-sidebar{padding:var(--padding) 0;margin:0 var(--margin)}.entry-post .entry-image{margin:var(--margin) var(--carousel-wrapper-margin);border-radius:var(--carousel-radius);overflow:hidden;padding:0}.entry-post .entry-image-caption{padding:calc(.5 * var(--padding)) var(--padding);background:var(--figcaption-color)}.entry-post .entry-footer{border-top:1px solid var(--border);padding:var(--padding) 0;margin:0 var(--margin)}.entry-post .post-nav-links{margin-bottom:var(--margin)}.entry-post .post-nav-links.page-numbers{border-bottom:1px solid var(--border);padding-bottom:var(--padding)}.entry-post .post-nav-links a,.entry-post .post-nav-links span{padding:calc(.5 * var(--padding)) var(--padding);margin-right:calc(0.25 * var(--margin));border-radius:calc(.5 * var(--padding));background:var(--a-background);display:inline-block;text-align:center;border-width:0;min-width:2rem;cursor:pointer;color:#fff}.entry-post .post-nav-links.page-numbers a,.entry-post .post-nav-links.page-numbers span{border-radius:calc(2 * var(--padding))}.entry-post .post-nav-links a:hover,.entry-post .post-nav-links span:hover,.entry-post .post-nav-links .current{background:var(--a-background-hover)}.st-btn{height:calc(2.5 * var(--margin)) !important;width:calc(2.5 * var(--margin)) !important;margin-left:calc(.25 * var(--margin));border-radius:100% !important;padding:0 !important;top:0 !important;display:inline-block;position:relative;text-align:center;line-height:48px;font-size:16px;cursor:pointer}.st-btn img,.st-btn svg{top:calc(.5 * var(--margin)) !important;width:calc(var(--margin)* 1.5) !important;height:calc(var(--margin)* 1.5) !important;vertical-align:top;position:relative}.st-btn[data-network='facebook']{background-color:#4267B2}.st-btn[data-network='telegram']{background-color:#0088cc}.st-btn[data-network='twitter']{background-color:#000000}.st-btn[data-network='whatsapp']{background-color:#25d366}.st-btn[data-network='pinterest']{background-color:#CB2027}.st-btn[data-network='copy']{background-color:#CB2027}.st-btn[data-network='copy'] .copy-notify{display:none}.st-btn:hover{opacity:.8}.wp-block-quote{border-left:.25rem solid var(--a-color);margin:0 0 var(--margin);align-items:baseline;padding-left:0.75rem;font-weight:600}.wp-block-quote > a:before{background:var(--a-color);display:inline-block;margin:0 5px 3px 0;content:"";height:5px;width:5px}.wp-block-tag-cloud a{padding:calc(.5 * var(--tag-cloud-padding)) var(--tag-cloud-padding);margin:0 var(--tag-cloud-margin) var(--tag-cloud-margin) 0;border-radius:calc(.5 * var(--tag-cloud-padding));background:var(--tag-cloud-background);color:var(--tag-cloud-color);display:inline-block;border:0}.wp-block-tag-cloud a:hover{background:var(--tag-cloud-background-hover)}.sidebar .wp-block-tag-cloud{padding:var(--padding);margin:0}.mainbar h1,.widget h2{padding:var(--padding);font-size:1.2rem;font-weight:600;margin:0}.widget-ad{justify-content:center;align-items:center;text-align:center;display:flex;height:250px;width:100%}.widget-bg-red{background:var(--widget-bg-red-background);padding:calc(2 * var(--padding)) 0;background-repeat:no-repeat;background-size:cover;position:relative;width:100%}.widget-bg-red .wp-block-latest-posts__post-title{font-size:1rem}.widget-bg-red .wp-block-latest-posts__post-title a{text-shadow:var(--widget-bg-red-shadow)}.widget-bg-red *,.widget-bg-red a{color:var(--widget-bg-red-color)}.widget-bg-red a:hover,.widget-bg-red .wp-block-latest-posts__featured-image:hover ~ .wp-block-latest-posts__wrapper .wp-block-latest-posts__post-title a{color:var(--widget-bg-red-color-hover)}.site-sticky-bottom{box-shadow:0 -1px 1px 0 #00000033;background:rgb(250,250,250);text-align:center;position:sticky;z-index:1020;width:100%;bottom:0}.site-sticky-bottom input{display:none !important}.site-sticky-bottom label{padding:calc(.25 * var(--padding)) 0 0 calc(.25 * var(--padding));border-top-left-radius:var(--padding);box-shadow:-1px -1px 1px 0 #00000033;background:rgb(250,250,250);position:absolute;cursor:pointer;bottom:100%;color:#000;right:0}.site-sticky-bottom .container{min-height:var(--site-sticky-bottom-height);padding-top:.25rem;position:relative;max-height:100px;overflow:hidden;max-width:100%}.site-sticky-bottom input:checked ~ *{display:none !important}.container > .gpt-ad-inner{margin:var(--gpt-ad-inner-margin)}.gpt-ad-inner{justify-content:center;overflow:hidden;display:block}.gpt-ad-inner.post{padding:var(--gpt-ad-inner-padding)}[class^="gpt-ad-wrapper"]{min-height:var(--gpt-ad-wrapper-height);min-width:var(--gpt-ad-wrapper-width);justify-content:center;align-items:center;background:#f7f7f7;text-align:center;position:relative;display:flex}[class^="gpt-ad-wrapper"]:before{content:"Advertisement";position:absolute;color:#444}[class^="gpt-ad-wrapper"] > div,[class^="gpt-ad-wrapper"] > ins{min-width:100%;z-index:1}[class^="gpt-ad-wrapper"] > div iframe,[class^="gpt-ad-wrapper"] > ins iframe{background:#f7f7f7}.gpt-ad-wrapper-parallax{min-height:var(--gpt-ad-wrapper-parallax-height);background:inherit}.gpt-ad-wrapper-billboard{min-height:var(--gpt-ad-wrapper-billboard-height);min-width:var(--gpt-ad-wrapper-billboard-width);margin-bottom:var(--margin)}.gpt-ad-wrapper-leaderboard{min-height:var(--gpt-ad-wrapper-leaderboard-height);min-width:var(--gpt-ad-wrapper-leaderboard-width)}.gpt-ad-wrapper-in-feed{}.gpt-ad-wrapper-in-article{margin:var(--margin) 0;height:auto !important}.gpt-ad-wrapper-sticky{min-height:var(--gpt-ad-wrapper-sticky-height);min-width:var(--gpt-ad-wrapper-sticky-width)}.advertnative,.MIXADVERT_NET{margin:0 calc(-1 * var(--margin)) !important;color:var(--color) !important;max-width:unset !important;width:unset !important;--ad-width:50%}@media (min-width:768px){.advertnative,.MIXADVERT_NET{--ad-width:33.33%}}[class^="total_"]{max-width:920px !important;position:relative !important;margin:auto !important;width:100% !important}[class^="head_"]{margin:var(--margin) !important;position:relative !important}[class^="head_"]::before,[id^="teaser_block_"]:before{content:'Advertisment' !important;font-weight:600 !important;font-size:1.2rem !important}[class^="head_"]>a{position:absolute !important;display:block !important;height:25px !important;width:25px !important;z-index:3 !important;top:3px !important;right:0 !important}[class^="head_"]>a::before{background:url("https://advertnative.com/storage/logo/all_an_white_4.png") no-repeat left/120px !important;transition:width 500ms ease-in-out !important;position:absolute !important;overflow:hidden !important;display:block !important;height:25px !important;content:"" !important;width:30px !important;right:0 !important;top:0 !important}[class^="head_"]>a:hover:before{width:125px !important}[class^="block_"],[id^="teaser_block_"]{justify-content:space-between !important;padding-left:var(--padding) !important;padding-top:var(--padding) !important;flex-wrap:wrap !important;display:flex !important;width:100% !important}[class^="teaser_"] a:hover [class^="title_"],[class^="teaser_block_td_"] a:hover [class^="teaser_block_title_"]{color:var(--a-color-hover) !important}[class^="teaser_"]:not([class^="teaser_block_logo_"],[class^="teaser_block_table_"],[class^="teaser_div_img_"],[class^="teaser_block_img_"],[class^="teaser_block_title_"],[class^="teaser_block_text_"],[class^="teaser_block_cost_"],[class^="teaser_block_div_button_"]),[class^="teaser_block_td_"]{padding-bottom:var(--padding) !important;padding-right:var(--padding) !important;-webkit-box-shadow:unset !important;width:var(--ad-width) !important;box-shadow:unset !important;background:unset !important;min-height:100% !important;border-radius:0 !important;display:flex !important;border:none !important;margin:0 !important}[class^="teaser_"] a{text-decoration:none !important;display:block !important;width:100% !important}[class^="img_wrap_"],[class^="teaser_div_img_"]{margin-bottom:calc(.5 * var(--margin)) !important;border-radius:var(--radius) !important;min-height:unset !important;overflow:hidden !important;width:100% !important;padding:0 !important}[class^="img_wrap_"] [class^="img_"],[class^="teaser_div_img_"] [class^="teaser_block_img_"]{transition:0.3s !important;cursor:pointer !important;height:56.25% !important;display:block !important;width:100% !important;padding:0 !important;opacity:1 !important}[class^="title_"],[class^="teaser_block_title_"]{font-family:inherit !important;color:var(--color) !important;line-height:1.2 !important;max-height:unset !important;overflow:hidden !important;font-weight:600 !important;font-size:1rem !important;flex:1 1 auto !important;display:flex !important;width:100% !important;padding:0 !important;margin:0 !important}[class^="description_"]{display:none !important;margin-top:0.5rem !important;width:100% !important;overflow:hidden !important;color:grey !important;font-size:14px !important;font-family:inherit !important;line-height:1 !important}[id^="MIXADV_"]{font-family:inherit !important}[id^="teaser_block_"]:before{width:calc(100% - var(--padding)) !important;padding-bottom:var(--padding) !important;margin-bottom:var(--margin) !important;display:block !important}[id^="MIXADV_"]>a,[id^="MIXADV_"]>a:before{background-color:unset !important;height:20px !important;width:37px !important;left:unset !important;right:0 !important}[id^="MIXADV_"]>a{right:var(--padding) !important;top:var(--padding) !important}[id^="MIXADV_"]>a:hover:before{width:125px !important}.visually-hidden{white-space:nowrap !important;clip:rect(0,0,0,0) !important;position:absolute !important;overflow:hidden !important;margin:-1px !important;height:1px !important;width:1px !important;padding:0 !important;border:0 !important}
Jumat, 13 Juni 2025 - 8:36 AM
JABAR EKSPRES – Otoritas Jasa Keuangan (OJK) mencatatkan bahwa generasi Z dan generasi Y (milenial ) mendominasi untuk kredit macet pinjaman online (pinjol) lebih dari 90 hari. Rentang usia generasi tersebut adalah 19 hingga 34 tahun.
Sebagaimana kita ketahui, generasi Y (milenial) merupakan mereka yang lahir pada tahun 1981 hingga 1996. Sedangkan, untuk generasi Z merupakan mereka yang lahir pada tahun 1997 hingga 2012.
Data statistik Fintech Lending (pinjaman online) mencatat, pada Februari 2023 kredit macet pinjol untuk rentang usia 19 hingga 34 tahun mengalami peningkatan 22,34 persen dibandingkan Februari 2022. Jumlah kredit macet pinjol mereka berjumlah Rp645,55 miliyar.
Baca Juga: 4 Kuliner Bandung Ini Viral di TikTok, Mau Cobain? Mengenal Helga Algida, Sipir Rutan Kebon Waru Juara Dunia Kempo
Di bawahnya, usia 35 hingga 54 tahun menjadi pelaku kredit macet pinjaman online berikutnya dengan jumlah Rp394,09 miliyar.
Pada Februari 2023, jumlah kredit macet pinjol perseorangan secara total mencapai Rp1,06 triliyun. Jumlah rekening penerima pinjaman aktif sebanyak 394.377 orang.
Kredit macet pinjol sendiri didominasi oleh kaum pria dengan jumlah Rp584,42 miliyar. Sementara, kaum perempuan mencapai jumlah Rp479,9 miliyar.
Selain itu, dengan kondisi kelompok usia aktif yang saat ini bekerja dan mempunyai penghasilan membuat kedua generasi ini memiliki uang untuk memenuhi kebutuhan hidupnya sehari-hari.
Ditambah dengan kurangnya literasi keuangan membuat kedua generasi ini sulit untuk menabung atau menginvestasikan uang yang mereka punya. Bahkan, uang yang mereka dapatkan kerap kali digunakan untuk memenuhi hal-hal konsumtif.
Pengetahuan tentang literasi keuangan terkait menabung dan investasi bukanlah hal yang remeh temeh. Hal ini merupakan pengetahuan yang mahal dan sangat sulit diterapkan. (*)