Analisis Perbandingan Proses Pengajuan Pinjaman Online Akulaku dengan Bank BRI

Abstract

The development of information technology has presented financial technology (fintech) services such as online loans. This study aims to analyze the comparison of the online loan application process through the Akulaku application (fintech) with conventional loan applications at Bank BRI. The method used is descriptive qualitative through literature studies and documentation. The results show that the application process through Akulaku is completely online, easy, fast, and without face-to-face meetings, while applications at BRI are conventional, require physical presence, complete documents, and strict verification. In terms of security and legality, BRI is superior because it is under the supervision of the OJK and Bank Indonesia. This study is expected to help the public in choosing loan services that suit their needs and risks.