Analisis Sentimen Masyarakat terhadap Layanan Pinjaman Online (Pinjol) di Indonesia: Studi Kasus Komentar TikTok

Gilang Cahya Romdhona, Eti Kusmiati, Diqy Fakhrun Shiddieq

Abstract


Studi ini bertujuan untuk menganalisis dampak pinjaman online (Pinjol) terhadap akses keuangan bagi masyarakat Indonesia, dengan fokus pada manfaat, risiko, dan efektivitas regulasi yang ada. Menggunakan pendekatan deskriptif kuantitatif dan analisis sentimen berdasarkan data media sosial, studi ini mengumpulkan data dari komentar pengguna TikTok mengenai fitur TikTok Go, bersama dengan data tambahan dari Twitter dan Instagram antara Mei dan Juli 2025. Sebuah analisis terhadap 335 komentar menemukan bahwa 74% bersifat negatif, 19% netral, dan 7% positif. Pengguna sebagian besar mengeluhkan masalah teknis dan suku bunga yang tinggi daripada fitur itu sendiri. Temuan menunjukkan bahwa sentimen negatif lebih dominan karena masalah aksesibilitas dan praktik penagihan utang yang tidak etis. Analisis tematik mengungkapkan pentingnya regulasi dan perlindungan konsumen, dengan harapan agar OJK (Otoritas Jasa Keuangan) akan lebih efektif dalam mengawasi Pinjol.


Keywords


Platform pinjaman digital di Indonesia, Analisis sentimen media sosial, Perspektif pengguna tentang fitur TikTok Go, Hambatan akses layanan keuangan, Pengawasan regulasi oleh Otoritas Jasa Keuangan (OJK)

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DOI: https://doi.org/10.17509/ijdb.v5i3.89854

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