ONLINE LOANS AND ONLINE GAMBLING: REGULATORY ANALYSIS AND PUBLIC RESPONSE THROUGH NETIZENS' SENTIMENT ON SOCIAL MEDIA X

Yolandha Rakatiwi; Hasan Sazali

doi:10.3059/insis.v0i0.22420

ONLINE LOANS AND ONLINE GAMBLING: REGULATORY ANALYSIS AND PUBLIC RESPONSE THROUGH NETIZENS' SENTIMENT ON SOCIAL MEDIA X

Yolandha Rakatiwi, Hasan Sazali

Abstract

This article discusses the implications of online gambling and online lending on the socio-economic conditions of Indonesian society, with a focus on the younger generation. The urgency of the study lies in the destructive impacts produced by both phenomena, including poverty, persistent debt, and addiction that erode household social and economic stability. The methodology used is a qualitative approach based on virtual ethnography, utilizing the constructivist paradigm to understand social reality shaped through interaction on social media. The data was collected using Brand24 for analysis of netizens' sentiment on social platforms, supported by official documentation of related regulations such as the Instruction of the Minister of Communication and Digital Number 2 of 2024. Data analysis is carried out using content analysis techniques, while the validity of the data is guaranteed through source triangulation, involving social media, official documents, and academic literature. The results of the study show the dominance of negative sentiment among netizens towards gambling and online loans, reflecting a critical perception of their destructive impacts, such as default (galbay), financial exploitation, and declining welfare. Discussions using the theory of Reality Negotiation and Innovation Diffusion show that while technological accessibility facilitates the rapid adoption of these services, the observed negative impacts reinforce public resistance and the demands of stricter regulation. The conclusion of this study emphasizes the need for strengthening regulations, strict supervision of fintech service providers, and financial literacy education. Strategic policies such as blocking illegal sites and utilizing big data technology are needed to mitigate the impact of online gambling and online lending. Cross-sector collaboration is proposed to create a healthy, safe, and sustainable digital ecosystem.

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DOI: https://doi.org/10.3059/insis.v0i0.22420

DOI (PDF): https://doi.org/10.3059/insis.v0i0.22420.g12778

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