Dabinada amaahda online-ka ee dhulka shareecada: Baaritaan ku saabsan dhibaatada amaahda online-ka ee ka jirta Aceh
Gobolka Aceh, oo si rasmi ah u hirgaliya shareecada Islaamka, ayaa la soo dersay dhibaato ku timi amaahda online-ka (pinjol). Xogta OJK Aceh waxay diiwaangelisay 1,987 warbixin oo sharci-darro ah laga bilaabo Noofambar 2024 illaa May 2025, kuwaas oo badankood la xiriira amaah online sharci-darro ah. May 2025, waxaa jiray 139 cabasho oo ku saabsan amaah online sharci-darro ah, iyadoo dadka soo cabanaya ay u badnaayeen hooyooyin. Qiimaha macaamilka amaahda online-ka ee Aceh wuxuu gaaray Rp158 bilyan March 2025. Kooxda ugu badan ee isticmaasha waa macallimiinta (42%), waxaana ku xiga kuwa shaqada laga tuuray (20%), hooyooyinka guriga jooga (18%), iyo kuwa kale.
Dhacdadaani waa qayb ka mid ah dhibaatada qaran, taas oo deynta aan la bixin ee amaahda online-ka ee Indonesia ay kor uga kacday Rp13.16 trilyan 2019 ilaa in ka badan Rp101 trilyan March 2026. OJK waxa ay adkaysay sharciyada, ay xannibaysaa kumanaan hay'ado sharci-darro ah, waxayna dejisay xadka ugu sarreeya ee dulsaarka. Dareen caalami ah ayaa sidoo kale ka dhashay doorka “finfluencers” ku leeyihiin ku dhiirrigelinta amaah iyadoon la fahmin khatarta.
Wadooyinka ay ku shaqeeyaan amaahda online-ka ee sharci-darrada ahi waxaa ka mid ah oggolaansho la’aan OJK, marin gelid xaddidan xogta shakhsiyadeed, dulsaarro aan caddayn, iyo hanjabaad marka la soo ceshanayo. Aceh, waxaa la soo jeediyay in si waafaqsan shareecada wax looga qabto, oo ay ku jiraan hubinta sharcinimada, joojinta bixinta dulsaarka haddii ay sharci-darro tahay, iyo soo kabashada dhaqaalaha iyadoo loo marayo cibaado iyo nidaam miisaaniyadeed.
Waxaa loo baahan yahay iskaashi ku saabsan waxbarashada maaliyadeed, ilaalinta sharciga, iyo xoojinta beddelka maalgelinta waafaqsan shareecada si bulshada looga ilaaliyo dabin deynta waxyeelada leh.
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