Online Loan Victims: Analysis Of Depression Stress and Anxiety Levels Based On Dass Depression Anxiety Stress Scale 42 in North Sulawesi
DOI:
https://doi.org/10.53682/jpjsre.v5i1.8733Keywords:
Anxiety, DASS-42, Depression, Online Loan, StressAbstract
Someone who s trapped in online loan debt usually tends to experience some psychological pressure that attacks their mental health such as depression stress and anxiety These pressures come from many different factors in online loans like the coercion by the debt collector and even the fear of not being able to pay off the debt According to the Indonesian Financial Services Authority OJK the usage of online loan services in North Sulawesi in 2023 growing up to 61 81 with the growth amounting to IDR 435 52 billion Growing from 2016 2022 the total distribution reached IDR 2 17 trillion with a total of 484 555 borrowers and 5 014 accounts as lenders The amount of online loan services is inseparable from the presence of illegal online loans that harm society The purpose of this research is to find out the level of depression stress and anxiety of the online loan victim We started this research from July until November 2023 We gathered the data from 44 respondents aged between 17 to 35 years old in North Sulawesi Using DASS 42 as the psychological measuring tool all questions were answered directly by the respondents with the accompaniment of the researcher and followed by statistical analysis The result of this research has found that online loan customers experience depression anxiety and stress regardless of what services they use whether it s legal or illegal Based on this research we discover that most of the online loan customers are experiencing normal depression 75 normal stress 65 9 and normal anxiety 36 4 < p>
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