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MK dibungkam oleh DPR dan presiden.\n\nWamenkeu mundur d…", "post_id": "2048444494769766598"}}, {"key": "ArtaN7707", "attributes": {"label": "ArtaN7707", "x": 178.86189201139425, "y": 234.2271819507894, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["retweet-000002"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "2048444494769766598", "id": "ArtaN7707", "source": "retweet-000002", "content": "\"Adies Kadir politisi jadi Hakim MK itu proses melemahkan konstitusi. 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SA 🇿🇦 doesn’t…", "post_id": "2041262126107373845"}}, {"key": "MorolongZA", "attributes": {"label": "MorolongZA", "x": 30.91480762753862, "y": 246.7596201901513, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["retweet-000002"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "2041262126107373845", "id": "MorolongZA", "source": "retweet-000002", "content": ".BNPL is a symptom of over-financialisation, credit fueling consumption without building production capacity. SA 🇿🇦 doesn’t…", "post_id": "2041262126107373845"}}, {"key": "amosuibk", "attributes": {"label": "amosuibk", "x": 186.63100810457846, "y": 196.04002933586406, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["retweet-000002"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "2044301069451235443", "id": "amosuibk", "source": "retweet-000002", "content": "Building a feature store architecture for a European BNPL fintech, designing the system that standardises how their da…", "post_id": "2044301069451235443"}}, {"key": "KingHenryMorgan", "attributes": {"label": "KingHenryMorgan", "x": 352.1528580191602, "y": 638.1751613233556, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["retweet-000002"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "2044301069451235443", "id": "KingHenryMorgan", "source": "retweet-000002", "content": "Building a feature store architecture for a European BNPL fintech, designing the system that standardises how their da…", "post_id": "2044301069451235443"}}, {"key": "junaid_5121472", "attributes": {"label": "junaid_5121472", "x": 558.0671973903326, "y": 797.3995984827682, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["retweet-000002"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 4, "degree": 4}, "_id": "2044104707463942641", "id": "junaid_5121472", "source": "retweet-000002", "content": "Alibaba Enters Pakistan’s Fintech Space as SECP Grants BNPL License\n\nThe SECP has granted a license to KOKO TECH PAKISTAN…", "post_id": "2044104707463942641"}}, {"key": "Trajectory_AI", "attributes": {"label": "Trajectory_AI", "x": 931.3420226321807, "y": 837.8737600584016, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["retweet-000002"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 3, "degree": 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"attributes": {"label": "QueQenyang", "x": 333.2580669490658, "y": 381.6304954640284, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2045562791462089113", "id": "QueQenyang", "source": "tweet-000004", "content": "Terima kasih Pak  sudah memilih nahkoda yang tepat untuk finansial bangsa. Dengan tim Kemenkeu yang kompeten di bawah Purbaya, Suahasil, dan Juda Agung, optimisme menuju Indonesia Maju bukan lagi sekadar impian. Keep it up!", "post_id": "2045562791462089113"}}, {"key": "prabowo", "attributes": {"label": "prabowo", "x": 421.0240057826462, "y": 128.3673043353024, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2045562791462089113", "id": "prabowo", "source": "tweet-000004", "content": "Terima kasih Pak  sudah memilih nahkoda yang tepat untuk finansial bangsa. Dengan tim Kemenkeu yang kompeten di bawah Purbaya, Suahasil, dan Juda Agung, optimisme menuju Indonesia Maju bukan lagi sekadar impian. Keep it up!", "post_id": "2045562791462089113"}}, {"key": "___dorcy", "attributes": {"label": "___dorcy", "x": 282.97688124944455, "y": 947.1420170144621, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2046107632398729397", "id": "___dorcy", "source": "tweet-000004", "content": "The mental model, kept simple:\n\nStep 1 Fast, on-chain swap, built on NOWA's own L2.\n\nStep 2 BNPL runs inside the swap. Full capital upfront? Optional.\n\nStep 3 The real token lands in your wallet. You own it.\n\nThis is on-chain finance. BNPL for crypto.\nFollow  to", "post_id": "2046107632398729397"}}, {"key": "NowaFinance", "attributes": {"label": "NowaFinance", "x": 975.0732154053766, "y": 478.3324357140476, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2046107632398729397", "id": "NowaFinance", "source": "tweet-000004", "content": "The mental model, kept simple:\n\nStep 1 Fast, on-chain swap, built on NOWA's own L2.\n\nStep 2 BNPL runs inside the swap. Full capital upfront? Optional.\n\nStep 3 The real token lands in your wallet. You own it.\n\nThis is on-chain finance. BNPL for crypto.\nFollow  to", "post_id": "2046107632398729397"}}, {"key": "truthfromthone", "attributes": {"label": "truthfromthone", "x": 141.475406548615, "y": 844.8529592456672, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "2043689848993710455", "id": "truthfromthone", "source": "tweet-000004", "content": "Market has simply misunderstood and mispriced what is a fundamentally good business. (1) BNPL will continue to take share from credit cards (2) The BNPL  model is not as risky as the market seems to think (3) Klarna has some  weird accounting treatment for its longer term fair", "post_id": "2043689848993710455"}}, {"key": "siyul", "attributes": {"label": "siyul", "x": 820.6759377267431, "y": 261.6630732900646, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2043689848993710455", "id": "siyul", "source": "tweet-000004", "content": "Market has simply misunderstood and mispriced what is a fundamentally good business. (1) BNPL will continue to take share from credit cards (2) The BNPL  model is not as risky as the market seems to think (3) Klarna has some  weird accounting treatment for its longer term fair", "post_id": "2043689848993710455"}}, {"key": "jp9002564795", "attributes": {"label": "jp9002564795", "x": 250.6782794655814, "y": 496.57065165331915, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2043689848993710455", "id": "jp9002564795", "source": "tweet-000004", "content": "Market has simply misunderstood and mispriced what is a fundamentally good business. (1) BNPL will continue to take share from credit cards (2) The BNPL  model is not as risky as the market seems to think (3) Klarna has some  weird accounting treatment for its longer term fair", "post_id": "2043689848993710455"}}, {"key": "Gdingkoneng", "attributes": {"label": "Gdingkoneng", "x": 502.9845013396901, "y": 403.5136450223612, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "1939713550412664865", "id": "Gdingkoneng", "source": "tweet-000004", "content": "Iya udh pasti kak, kan namanya aja asosiasi fintech, jadi isinya para perwakilan pengusaha fintech lending di Indonesia, jadi kalo ada kebijakan dari AFPI, udh barang pasti menguntungkan dari segi pengusaha saja, nasabah tetap boncos, makanya AFPI ini kudu dibubarin sama pinjol\"a", "post_id": "1939713550412664865"}}, {"key": "Chosultan", "attributes": {"label": "Chosultan", "x": 603.2012065665666, "y": 27.491697276590067, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "1939713550412664865", "id": "Chosultan", "source": "tweet-000004", "content": "Iya udh pasti kak, kan namanya aja asosiasi fintech, jadi isinya para perwakilan pengusaha fintech lending di Indonesia, jadi kalo ada kebijakan dari AFPI, udh barang pasti menguntungkan dari segi pengusaha saja, nasabah tetap boncos, makanya AFPI ini kudu dibubarin sama pinjol\"a", "post_id": "1939713550412664865"}}, {"key": "Kali_laur3n", "attributes": {"label": "Kali_laur3n", "x": 945.6865894075075, "y": 342.5557405483426, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "2041639162076352537", "id": "Kali_laur3n", "source": "tweet-000004", "content": "$KLAR because the whole market is pricing it as a BNPL fintech, but it is more than that, it is a neobank. whole market give no valuation for its bank deposit. https://t.co/GmfHMPMvdf", "post_id": "2041639162076352537"}}, {"key": "HolySmokas", "attributes": {"label": "HolySmokas", "x": 908.611029683358, "y": 764.1265552038741, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2041639162076352537", "id": "HolySmokas", "source": "tweet-000004", "content": "$KLAR because the whole market is pricing it as a BNPL fintech, but it is more than that, it is a neobank. whole market give no valuation for its bank deposit. https://t.co/GmfHMPMvdf", "post_id": "2041639162076352537"}}, {"key": "masih_kuliah", "attributes": {"label": "masih_kuliah", "x": 824.1020311821787, "y": 230.87857712697058, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 3, "degree": 3}, "_id": "2045290323619029179", "id": "masih_kuliah", "source": "tweet-000004", "content": "Pdhl mnrt kajian Gemini ai dlm konteks alokasi optimal mgunakan analisis input output matriks leontif (keahlian wamenkeu suahasil nazara) justru MBG multipliernya sangat rendah🤣. Cc\n    https://t.co/dJEG3YysrZ", "post_id": "2045290323619029179"}}, {"key": "KangSemproel", "attributes": {"label": "KangSemproel", "x": 180.121857833213, "y": 842.4216086142637, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 5.6262, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2045290323619029179", "id": "KangSemproel", "source": "tweet-000004", "content": "Pdhl mnrt kajian Gemini ai dlm konteks alokasi optimal mgunakan analisis input output matriks leontif (keahlian wamenkeu suahasil nazara) justru MBG multipliernya sangat rendah🤣. Cc\n    https://t.co/dJEG3YysrZ", "post_id": "2045290323619029179"}}, {"key": "kemenkeu", "attributes": {"label": "kemenkeu", "x": 339.47384315058616, "y": 894.1322756682955, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 5.6262, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2045290323619029179", "id": "kemenkeu", "source": "tweet-000004", "content": "Pdhl mnrt kajian Gemini ai dlm konteks alokasi optimal mgunakan analisis input output matriks leontif (keahlian wamenkeu suahasil nazara) justru MBG multipliernya sangat rendah🤣. Cc\n    https://t.co/dJEG3YysrZ", "post_id": "2045290323619029179"}}, {"key": "PerekonomianRI", "attributes": {"label": "PerekonomianRI", "x": 52.66360802058057, "y": 583.7790698778391, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 5.6262, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2045290323619029179", "id": "PerekonomianRI", "source": "tweet-000004", "content": "Pdhl mnrt kajian Gemini ai dlm konteks alokasi optimal mgunakan analisis input output matriks leontif (keahlian wamenkeu suahasil nazara) justru MBG multipliernya sangat rendah🤣. Cc\n    https://t.co/dJEG3YysrZ", "post_id": "2045290323619029179"}}, {"key": "IcecubeDev52987", "attributes": {"label": "IcecubeDev52987", "x": 525.0051824395168, "y": 15.39127680984076, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2043272477439295952", "id": "IcecubeDev52987", "source": "tweet-000004", "content": "Shoutout to \n — their latest post on BNPL vs credit cards is spot on for founders.\nFixed installments + zero interest = real customer reality.\nAs a Pakistan founder, this is exactly what we need for global checkouts.\n#Fintech #Startups  \n\nhttps://t.co/2c84G4jNMI", "post_id": "2043272477439295952"}}, {"key": "airwallex", "attributes": {"label": "airwallex", "x": 420.7719353560756, "y": 567.2518802581775, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2043272477439295952", "id": "airwallex", "source": "tweet-000004", "content": "Shoutout to \n — their latest post on BNPL vs credit cards is spot on for founders.\nFixed installments + zero interest = real customer reality.\nAs a Pakistan founder, this is exactly what we need for global checkouts.\n#Fintech #Startups  \n\nhttps://t.co/2c84G4jNMI", "post_id": "2043272477439295952"}}, {"key": "RaimcyDel", "attributes": {"label": "RaimcyDel", "x": 515.4632159809001, "y": 613.8532650173961, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2042198857375690921", "id": "RaimcyDel", "source": "tweet-000004", "content": "Payments aren’t just transactions anymore.\nThey’re behavioral signals.\n\nBuilt on \nPayment Method Preference Dataset\n\nThink of it as a system map of how people actually pay:\n\n→ UPI vs Cash vs Cards vs BNPL\n→ Context: P2P, POS, E-commerce, Bills\n→ Trust levels https://t.co/AqeWy6XcYx", "post_id": "2042198857375690921"}}, {"key": "inflectivAI", "attributes": {"label": "inflectivAI", "x": 376.65576141776603, "y": 138.30487608328468, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2042198857375690921", "id": "inflectivAI", "source": "tweet-000004", "content": "Payments aren’t just transactions anymore.\nThey’re behavioral signals.\n\nBuilt on \nPayment Method Preference Dataset\n\nThink of it as a system map of how people actually pay:\n\n→ UPI vs Cash vs Cards vs BNPL\n→ Context: P2P, POS, E-commerce, Bills\n→ Trust levels https://t.co/AqeWy6XcYx", "post_id": "2042198857375690921"}}, {"key": "KemenkeuRI", "attributes": {"label": "KemenkeuRI", "x": 366.16556858434734, "y": 698.1372662673841, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 3, "degree": 4}, "_id": "2043688478068940941", "id": "KemenkeuRI", "source": "tweet-000004", "content": "Dari Konferensi Pers Kebijakan Harga BBM Bersubsidi dan Transportasi Udara, sidang aduan kanal debottleneccking, hingga pertemuan Menkeu dan Gubernur Bank Sentral \n\nSimak rangkuman agenda Menkeu dan Wamenkeu di #KemenkeuSepekan periode 6-12 April 2026 (1/4) https://t.co/3Z1dsXAuLs", "post_id": "2043688478068940941"}}, {"key": "ASEAN", "attributes": {"label": "ASEAN", "x": 751.8928348924726, "y": 55.14536797938319, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.8902, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2043688478068940941", "id": "ASEAN", "source": "tweet-000004", "content": "Dari Konferensi Pers Kebijakan Harga BBM Bersubsidi dan Transportasi Udara, sidang aduan kanal debottleneccking, hingga pertemuan Menkeu dan Gubernur Bank Sentral \n\nSimak rangkuman agenda Menkeu dan Wamenkeu di #KemenkeuSepekan periode 6-12 April 2026 (1/4) https://t.co/3Z1dsXAuLs", "post_id": "2043688478068940941"}}, {"key": "TimothyLi2024", "attributes": {"label": "TimothyLi2024", "x": 820.8832148002024, "y": 184.96528769904486, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2044176030169215462", "id": "TimothyLi2024", "source": "tweet-000004", "content": "150M apps & counting! 🚀  tripled volume in 7 months, proving the shift to embedded finance is real. Merchants are ditching high fees for our white-label BNPL & AI automation. Huge thanks to our 300+ partners! 📈🔥 #LendAPI #Fintech \n\nhttps://t.co/ZNjlsg7uGl", "post_id": "2044176030169215462"}}, {"key": "LendAPI", "attributes": {"label": "LendAPI", "x": 137.7343790661756, "y": 741.1471520775291, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2044176030169215462", "id": "LendAPI", "source": "tweet-000004", "content": "150M apps & counting! 🚀  tripled volume in 7 months, proving the shift to embedded finance is real. Merchants are ditching high fees for our white-label BNPL & AI automation. Huge thanks to our 300+ partners! 📈🔥 #LendAPI #Fintech \n\nhttps://t.co/ZNjlsg7uGl", "post_id": "2044176030169215462"}}, {"key": "KCChen1828", "attributes": {"label": "KCChen1828", "x": 409.1733277561183, "y": 808.4482024891842, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2043174587446497320", "id": "KCChen1828", "source": "tweet-000004", "content": "Excellent article. Compared with Meli, SE is much behind in terms of the size of acquiring TPV. Now with Off-Shopee BNPL growing 300%, do you think SE can also turn these new borrowers into its principal payment users, ie. gaining TPV from Gcash/Momo?", "post_id": "2043174587446497320"}}, {"key": "GabGrowth", "attributes": {"label": "GabGrowth", "x": 58.61850903759147, "y": 843.0655256271119, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2043174587446497320", "id": "GabGrowth", "source": "tweet-000004", "content": "Excellent article. Compared with Meli, SE is much behind in terms of the size of acquiring TPV. Now with Off-Shopee BNPL growing 300%, do you think SE can also turn these new borrowers into its principal payment users, ie. gaining TPV from Gcash/Momo?", "post_id": "2043174587446497320"}}, {"key": "RaisaFAl1329", "attributes": {"label": "RaisaFAl1329", "x": 21.32073717804628, "y": 905.8327141908941, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "2045440794581143902", "id": "RaisaFAl1329", "source": "tweet-000004", "content": "Makasih linknya. Fit and propernya 1 jam (16.00-17.00), keputusan keluar hari yang sama. Dan bonus: Thomas itu ex-Bendahara Umum Gerindra, ex-tim logistik Prabowo di Pilpres 2014, baru jadi Wamenkeu Juli 2024, langsung masuk BI 2026. Itu track record politik, bukan moneter.", "post_id": "2045440794581143902"}}, {"key": "Turu748392", "attributes": {"label": "Turu748392", "x": 633.2702668271567, "y": 290.372415370297, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2045440794581143902", "id": "Turu748392", "source": "tweet-000004", "content": "Makasih linknya. Fit and propernya 1 jam (16.00-17.00), keputusan keluar hari yang sama. Dan bonus: Thomas itu ex-Bendahara Umum Gerindra, ex-tim logistik Prabowo di Pilpres 2014, baru jadi Wamenkeu Juli 2024, langsung masuk BI 2026. Itu track record politik, bukan moneter.", "post_id": "2045440794581143902"}}, {"key": "milleoii", "attributes": {"label": "milleoii", "x": 127.74294839797773, "y": 821.9363427704329, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2045440794581143902", "id": "milleoii", "source": "tweet-000004", "content": "Makasih linknya. Fit and propernya 1 jam (16.00-17.00), keputusan keluar hari yang sama. Dan bonus: Thomas itu ex-Bendahara Umum Gerindra, ex-tim logistik Prabowo di Pilpres 2014, baru jadi Wamenkeu Juli 2024, langsung masuk BI 2026. Itu track record politik, bukan moneter.", "post_id": "2045440794581143902"}}, {"key": "FebrianiRetri", "attributes": {"label": "FebrianiRetri", "x": 426.8526703389618, "y": 774.1509076693729, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2050857788537217194", "id": "FebrianiRetri", "source": "tweet-000004", "content": "\"Kemenkeu sudah merespons Wamenkeu Juda Agung bilang tidak tahu, dan Kepala Biro Komunikasi Kemenkeu memastikan Purbaya dalam keadaan sehat.\"\n\nJika biro komunikasi kemenkeu utk kondisi kesehatan menterinya bohong, bagaimana pernyataan perihal dgn kondisi ekonomi negara?", "post_id": "2050857788537217194"}}, {"key": "LambeSahamjja", "attributes": {"label": "LambeSahamjja", "x": 391.89229104959577, "y": 623.3534874334035, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 11.837, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "2050857788537217194", "id": "LambeSahamjja", "source": "tweet-000004", "content": "\"Kemenkeu sudah merespons Wamenkeu Juda Agung bilang tidak tahu, dan Kepala Biro Komunikasi Kemenkeu memastikan Purbaya dalam keadaan sehat.\"\n\nJika biro komunikasi kemenkeu utk kondisi kesehatan menterinya bohong, bagaimana pernyataan perihal dgn kondisi ekonomi negara?", "post_id": "2050857788537217194"}}, {"key": "grok", "attributes": {"label": "grok", "x": 755.1837243932713, "y": 12.941483594304692, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 4, "degree": 4}, "_id": "2050881800038150194", "id": "grok", "source": "tweet-000004", "content": "Tidak benar. Kabar Purbaya Yudhi Sadewa (Menkeu) masuk RS kemarin beredar di medsos, tapi Kemenkeu sudah klarifikasi resmi: beliau dalam kondisi sehat. Wamenkeu Juda Agung dan Kepala Biro Komunikasi Kemenkeu juga konfirmasi hal yang sama. Dia memang sempat keluhkan sakit pinggang", "post_id": "2050881800038150194"}}, {"key": "aristiadi_s", "attributes": {"label": "aristiadi_s", "x": 693.0332875367901, "y": 203.5999635860779, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2050881800038150194", "id": "aristiadi_s", "source": "tweet-000004", "content": "Tidak benar. Kabar Purbaya Yudhi Sadewa (Menkeu) masuk RS kemarin beredar di medsos, tapi Kemenkeu sudah klarifikasi resmi: beliau dalam kondisi sehat. Wamenkeu Juda Agung dan Kepala Biro Komunikasi Kemenkeu juga konfirmasi hal yang sama. Dia memang sempat keluhkan sakit pinggang", "post_id": "2050881800038150194"}}, {"key": "KapudS640", "attributes": {"label": "KapudS640", "x": 58.926713701026316, "y": 103.85367508610044, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2050881800038150194", "id": "KapudS640", "source": "tweet-000004", "content": "Tidak benar. Kabar Purbaya Yudhi Sadewa (Menkeu) masuk RS kemarin beredar di medsos, tapi Kemenkeu sudah klarifikasi resmi: beliau dalam kondisi sehat. Wamenkeu Juda Agung dan Kepala Biro Komunikasi Kemenkeu juga konfirmasi hal yang sama. Dia memang sempat keluhkan sakit pinggang", "post_id": "2050881800038150194"}}, {"key": "SuriyantoAnto31", "attributes": {"label": "SuriyantoAnto31", "x": 869.958910834863, "y": 663.8919675349158, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2049086238179938576", "id": "SuriyantoAnto31", "source": "tweet-000004", "content": "Juda Agung Bilang Belanja APBN Triwulan I Tumbuh Signifikan.  #NewsAgent\nhttps://t.co/F96ye2e3xx", "post_id": "2049086238179938576"}}, {"key": "indodax", "attributes": {"label": "indodax", "x": 167.48627102172875, "y": 540.5590572175435, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 11.837, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "2049086238179938576", "id": "indodax", "source": "tweet-000004", "content": "Juda Agung Bilang Belanja APBN Triwulan I Tumbuh Signifikan.  #NewsAgent\nhttps://t.co/F96ye2e3xx", "post_id": "2049086238179938576"}}, {"key": "riyanmurphy92", "attributes": {"label": "riyanmurphy92", "x": 375.7507481265855, "y": 272.4701997638779, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2047794383597281332", "id": "riyanmurphy92", "source": "tweet-000004", "content": "Pertumbuhan Kartu Kredit Non-Bank Diprediksi Capai 15 Persen pada 2026 Meski Terhadap Persaingan QRIS dan BNPL.  #NewsAgent\nhttps://t.co/YQC7MtOTVx", "post_id": "2047794383597281332"}}, {"key": "tribunjambiku", "attributes": {"label": "tribunjambiku", "x": 52.95444775671787, "y": 135.70454439819113, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2050840274654593286", "id": "tribunjambiku", "source": "tweet-000004", "content": "Kondisi Terbaru Menkeu Purbaya Usai Dilarikan ke RS, Wamenkeu Kaget Dapat Kabar\n \nhttps://t.co/f2vh2Fmpqb via", "post_id": "2050840274654593286"}}, {"key": "tribunnews", "attributes": {"label": "tribunnews", "x": 686.3117009733876, "y": 459.02453524363216, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 11.837, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "2050840274654593286", "id": "tribunnews", "source": "tweet-000004", "content": "Kondisi Terbaru Menkeu Purbaya Usai Dilarikan ke RS, Wamenkeu Kaget Dapat Kabar\n \nhttps://t.co/f2vh2Fmpqb via", "post_id": "2050840274654593286"}}, {"key": "zhtroll", "attributes": {"label": "zhtroll", "x": 857.7837053620874, "y": 163.54514094044958, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2050922370781606379", "id": "zhtroll", "source": "tweet-000004", "content": "BNPL has filled the gap. They still have access to cheap funding when you look at capital markets spreads and recent bank deals in Qs.", "post_id": "2050922370781606379"}}, {"key": "The_Analyst", "attributes": {"label": "The_Analyst", "x": 836.5041540483975, "y": 24.661636877245098, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2050922370781606379", "id": "The_Analyst", "source": "tweet-000004", "content": "BNPL has filled the gap. They still have access to cheap funding when you look at capital markets spreads and recent bank deals in Qs.", "post_id": "2050922370781606379"}}, {"key": "by_olesia", "attributes": {"label": "by_olesia", "x": 302.828762887391, "y": 43.832144607086285, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 4, "degree": 4}, "_id": "2046941447295828083", "id": "by_olesia", "source": "tweet-000004", "content": "many great neobank infra products on solana: \n\n>  -  defi & rwa yields\n>  - bnpl \n>  - wallet-as-a-service for fintechs / crypto", "post_id": "2046941447295828083"}}, {"key": "defyneric", "attributes": {"label": "defyneric", "x": 428.2373382527845, "y": 270.54296399172387, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2046941447295828083", "id": "defyneric", "source": "tweet-000004", "content": "many great neobank infra products on solana: \n\n>  -  defi & rwa yields\n>  - bnpl \n>  - wallet-as-a-service for fintechs / crypto", "post_id": "2046941447295828083"}}, {"key": "PodsFinance", "attributes": {"label": "PodsFinance", "x": 98.91238982935823, "y": 423.40097882275273, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2046941447295828083", "id": "PodsFinance", "source": "tweet-000004", "content": "many great neobank infra products on solana: \n\n>  -  defi & rwa yields\n>  - bnpl \n>  - wallet-as-a-service for fintechs / crypto", "post_id": "2046941447295828083"}}, {"key": "YumiFinance", "attributes": {"label": "YumiFinance", "x": 103.40564897908367, "y": 216.3426158976929, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2046941447295828083", "id": "YumiFinance", "source": "tweet-000004", "content": "many great neobank infra products on solana: \n\n>  -  defi & rwa yields\n>  - bnpl \n>  - wallet-as-a-service for fintechs / crypto", "post_id": "2046941447295828083"}}, {"key": "get_para", "attributes": {"label": "get_para", "x": 918.160084916906, "y": 893.2481052363839, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2046941447295828083", "id": "get_para", "source": "tweet-000004", "content": "many great neobank infra products on solana: \n\n>  -  defi & rwa yields\n>  - bnpl \n>  - wallet-as-a-service for fintechs / crypto", "post_id": "2046941447295828083"}}, {"key": "Biotech2k1", "attributes": {"label": "Biotech2k1", "x": 787.6037768089138, "y": 192.30146954492577, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2044548535136272751", "id": "Biotech2k1", "source": "tweet-000004", "content": "you are very wrong if you they are the same. KLAR is a bank hiding behind BNPL. the current stock price is giving $0 for its banking side of business.", "post_id": "2044548535136272751"}}, {"key": "JulieChangRE", "attributes": {"label": "JulieChangRE", "x": 386.3315365766682, "y": 714.3736102208848, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2048436482738991405", "id": "JulieChangRE", "source": "tweet-000004", "content": "In a country that has productized everything and has BNPL you’d think someone could productive this so people can pay for and buy what they want \n\nThere’s some minimum requirements for GSE lending but solvable", "post_id": "2048436482738991405"}}, {"key": "duncanabdelnour", "attributes": {"label": "duncanabdelnour", "x": 33.79489888217524, "y": 78.68897879805836, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2048436482738991405", "id": "duncanabdelnour", "source": "tweet-000004", "content": "In a country that has productized everything and has BNPL you’d think someone could productive this so people can pay for and buy what they want \n\nThere’s some minimum requirements for GSE lending but solvable", "post_id": "2048436482738991405"}}, {"key": "jockensley", "attributes": {"label": "jockensley", "x": 569.0495213594569, "y": 532.8311587135374, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2047543771018240066", "id": "jockensley", "source": "tweet-000004", "content": "Built Terang in a weekend using  🌟\n\n📸 Upload any pinjol/BNPL screenshot\n🔍 AI checks against official OJK data  \n🟢 AMAN = safe | 🔴 BAHAYA = illegal | 🟡 hidden fees exposed\n\nTry it: https://t.co/Xeecv9hrM7\n\n#BuiltWithMeDo", "post_id": "2047543771018240066"}}, {"key": "Medo_CodeFree", "attributes": {"label": "Medo_CodeFree", "x": 592.512306009862, "y": 397.9754425566835, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2047543771018240066", "id": "Medo_CodeFree", "source": "tweet-000004", "content": "Built Terang in a weekend using  🌟\n\n📸 Upload any pinjol/BNPL screenshot\n🔍 AI checks against official OJK data  \n🟢 AMAN = safe | 🔴 BAHAYA = illegal | 🟡 hidden fees exposed\n\nTry it: https://t.co/Xeecv9hrM7\n\n#BuiltWithMeDo", "post_id": "2047543771018240066"}}, {"key": "Kimura_Capital", "attributes": {"label": "Kimura_Capital", "x": 451.48075284426994, "y": 887.627036485934, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2046576279399670076", "id": "Kimura_Capital", "source": "tweet-000004", "content": "BNPL for groceries di US all-time high bukan tanda inovasi — itu tanda konsumen makin tertekan. Saving rate US turun ke 3.9%, terendah sejak 2022. Kalau spending collapse terjadi, ekspor RI ke AS ikut kena.  https://t.co/89iK32wVnB", "post_id": "2046576279399670076"}}, {"key": "unusual_whales", "attributes": {"label": "unusual_whales", "x": 364.7167563924177, "y": 151.80803630719475, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2046576279399670076", "id": "unusual_whales", "source": "tweet-000004", "content": "BNPL for groceries di US all-time high bukan tanda inovasi — itu tanda konsumen makin tertekan. Saving rate US turun ke 3.9%, terendah sejak 2022. Kalau spending collapse terjadi, ekspor RI ke AS ikut kena.  https://t.co/89iK32wVnB", "post_id": "2046576279399670076"}}, {"key": "KPembuang25484", "attributes": {"label": "KPembuang25484", "x": 181.37128824015124, "y": 132.12439507435926, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 4, "degree": 4}, "_id": "2051491418766774396", "id": "KPembuang25484", "source": "tweet-000004", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSumber:  https://t.co/ccmin5ey8m", "post_id": "2051491418766774396"}}, {"key": "ojkindonesia", "attributes": {"label": "ojkindonesia", "x": 431.2147296472841, "y": 153.03251436169018, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tweet-000004"], "scores": {"pagerank": 7.7534, "eigenvector": 0.0, "in_degree": 3, "out_degree": 0, "degree": 3}, "_id": "2051491418766774396", "id": "ojkindonesia", "source": "tweet-000004", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSumber:  https://t.co/ccmin5ey8m", "post_id": "2051491418766774396"}}, {"key": "BPPKkemenkeu", "attributes": {"label": "BPPKkemenkeu", "x": 661.4645217124763, "y": 287.6744833424586, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tweet-000004"], "scores": {"pagerank": 6.8218, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "2051491418766774396", "id": "BPPKkemenkeu", "source": "tweet-000004", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSumber:  https://t.co/ccmin5ey8m", "post_id": "2051491418766774396"}}, {"key": "MenkeuRI", "attributes": {"label": "MenkeuRI", "x": 23.58081356080688, "y": 802.4217964996218, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2051491418766774396", "id": "MenkeuRI", "source": "tweet-000004", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSumber:  https://t.co/ccmin5ey8m", "post_id": "2051491418766774396"}}, {"key": "andrsdwang", "attributes": {"label": "andrsdwang", "x": 171.2916227342275, "y": 493.0387527500514, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2051496441588457922", "id": "andrsdwang", "source": "tweet-000004", "content": "Tunggu aja 5-10 tahun lagi. Orang2 pada lupa dan merasa dia keren punya pengalaman jadi Wamenkeu dan BI. Sama kayak ketua OJK sekarang. Pada silau sama pengalamannya. Padahal gitu2 aja dan cenderung nepotisme", "post_id": "2051496441588457922"}}, {"key": "BagusPerdana_", "attributes": {"label": "BagusPerdana_", "x": 317.608993621903, "y": 450.0804165464868, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "2049094211417546865", "id": "BagusPerdana_", "source": "tweet-000004", "content": "Heavy liftingnya dari Lending Biz, Ada info average asset yield vs CoF ? Penasaran juga krn aturan BNPL OJK 2026 limit bunga harian turun separo 2025. Kalo denger mitra curhat loan yieldnya diatas 24 pct P/A dan bbrp bilang kepaksa ambil biar dapet prioritas order, Saldo Gopay https://t.co/5bi8KLJymo", "post_id": "2049094211417546865"}}, {"key": "rickyho_1989", "attributes": {"label": "rickyho_1989", "x": 198.25223515672218, "y": 718.4747176640237, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tweet-000004"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2049094211417546865", "id": "rickyho_1989", "source": "tweet-000004", "content": "Heavy liftingnya dari Lending Biz, Ada info average asset yield vs CoF ? Penasaran juga krn aturan BNPL OJK 2026 limit bunga harian turun separo 2025. Kalo denger mitra curhat loan yieldnya diatas 24 pct P/A dan bbrp bilang kepaksa ambil biar dapet prioritas order, Saldo Gopay https://t.co/5bi8KLJymo", "post_id": "2049094211417546865"}}, {"key": "USJL1245", "attributes": {"label": "USJL1245", "x": 236.08850980078256, "y": 98.93947291768256, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2051395558540001478", "id": "USJL1245", "source": "tweet-000004", "content": "Klarna is a buy-now-pay-later (BNPL) service from a Swedish fintech company. It lets you shop now and pay later in flexible ways.\n\nShort-term options like Pay in 4 (4 payments over 6 weeks) and Pay in 30 days are interest-free with no fees if paid on time.\n\nTheir longer \"Pay over", "post_id": "2051395558540001478"}}, {"key": "ImBreckWorsham", "attributes": {"label": "ImBreckWorsham", "x": 453.16375618135595, "y": 599.5116502365228, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tweet-000004"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "2051395558540001478", "id": "ImBreckWorsham", "source": "tweet-000004", "content": "Klarna is a buy-now-pay-later (BNPL) service from a Swedish fintech company. It lets you shop now and pay later in flexible ways.\n\nShort-term options like Pay in 4 (4 payments over 6 weeks) and Pay in 30 days are interest-free with no fees if paid on time.\n\nTheir longer \"Pay over", "post_id": "2051395558540001478"}}, {"key": "pajaktangbar", "attributes": {"label": "pajaktangbar", "x": 582.0258954974602, "y": 49.86397376558826, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "3877088504249979349_5856928678", "id": "pajaktangbar", "source": "instagram-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "3877088504249979349_5856928678"}}, {"key": "setjenkemenkeu", "attributes": {"label": "setjenkemenkeu", "x": 406.61735916847744, "y": 902.6277171732646, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 26.1219, "eigenvector": 0.0, "in_degree": 10, "out_degree": 0, "degree": 10}, "_id": "3877088504249979349_5856928678", "id": "setjenkemenkeu", "source": "instagram-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "3877088504249979349_5856928678"}}, {"key": "kemenkeuri", "attributes": {"label": "kemenkeuri", "x": 628.0583740948788, "y": 307.4333137770944, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 4, "degree": 4}, "_id": "3889616369917962263_2261493896", "id": "kemenkeuri", "source": "instagram-000001", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSimak!", "post_id": "3889616369917962263_2261493896"}}, {"key": "bppkkemenkeu", "attributes": {"label": "bppkkemenkeu", "x": 665.6562547123244, "y": 212.55605392999044, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3889616369917962263_2261493896", "id": "bppkkemenkeu", "source": "instagram-000001", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSimak!", "post_id": "3889616369917962263_2261493896"}}, {"key": "divisihumaspolri.", "attributes": {"label": "divisihumaspolri.", "x": 7.819763403587365, "y": 594.0920710251185, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3889616369917962263_2261493896", "id": "divisihumaspolri.", "source": "instagram-000001", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSimak!", "post_id": "3889616369917962263_2261493896"}}, {"key": "menkeuri", "attributes": {"label": "menkeuri", "x": 289.25003336949175, "y": 710.6979472981512, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 5.3157, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3889616369917962263_2261493896", "id": "menkeuri", "source": "instagram-000001", "content": "Dari pembukaan Reksa Dana 2026 , acara puncak Kemenkeu Learning Festival , hingga dialog kebangsaan dengan \n\nSepekan agenda  dan Wamenkeu terangkum dalam #KemenkeuSepekan edisi 27 April-3 Mei 2026.\n\nSimak!", "post_id": "3889616369917962263_2261493896"}}, {"key": "mancingsaham", "attributes": {"label": "mancingsaham", "x": 899.516102608978, "y": 763.166454233782, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 29.2269, "eigenvector": 0.0, "in_degree": 1, "out_degree": 1, "degree": 2}, "_id": "3885341083413300074_52512310886", "id": "mancingsaham", "source": "instagram-000001", "content": "Pemerintah berencana memangkas anggaran program Makan Bergizi Gratis (MBG) untuk menjaga defisit APBN tetap di bawah 3% 📉\n\nWakil Menteri Keuangan Juda Agung menyebut langkah ini sebagai antisipasi lonjakan harga minyak dunia yang sudah tembus di atas US$100 per barel ⛽\n\nFrekuensi pemberian MBG yang awalnya 6 hari kini telah dikurangi menjadi 5 hari, dan direncanakan turun lagi menjadi 4 hari per minggu 🍱\n\nKebijakan ini diperkirakan dapat menghemat hingga Rp4 triliun, bahkan lebih dari Rp50 triliun per tahun, serta diiringi evaluasi program untuk meningkatkan efisiensi ⚙️\n\nSumber: IDN Financials, 28 April 2026\n\nGabung di  community untuk analisis market, stockpick pilihan, update berita saham, dan diskusi eksklusif dengan investor & trader lainnya. 📩 Bergabung sekarang! Klik lynk.id/owennath atau chat 081251880459 (WhatsApp).\n\n#IHSG #SahamIndonesia #APBN #EkonomiIndonesia #KebijakanPemerintah #mancingsaham", "post_id": "3885341083413300074_52512310886"}}, {"key": "jpnncom", "attributes": {"label": "jpnncom", "x": 686.6821709075397, "y": 810.1222640910582, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "3888985270478165427_1484277153", "id": "jpnncom", "source": "instagram-000001", "content": "Kepala Biro Komunikasi dan Layanan Informasi Kementerian Keuangan (Kemenkeu) Deni Surjantoro memastikan Menteri Keuangan (Menkeu) Purbaya Yudhi Sadewa dalam kondisi sehat.\n\n“Iya, beliau (Purbaya, red) sehat-sehat saja,” kata Deni, di Jakarta, Minggu (3/5).\n\nSebelumnya, beredar isu Menkeu Purbaya menjalani perawatan di suatu rumah sakit di Jakarta.\n\nDi tengah isu itu, Purbaya membagikan video dirinya melakukan aktivitas olahraga renang, mengindikasikan bahwa dia dalam kondisi bugar. \n\nDalam video yang diunggah di akun pribadi media sosialnya itu, dia mengajak masyarakat, khususnya generasi muda, untuk menjalani gaya hidup yang sehat.\n\n“Selamat pagi Guys. Gen Z jangan lupa olahraga, renang bisa, lari boleh, padel juga bisa. Kalau saya biasanya renang sih. Gak berasa 'long weekend-nya',” tulis Purbaya, dikutip dari akun TikTok pribadinya , Minggu.\n\nWakil Menteri Keuangan Juda Agung juga telah menanggapi kabar soal kesehatan Menkeu Purbaya.\n\n“Wah enggak tahu saya. Insyaallah sehat. Doakan saja,” ujar Juda saat ditemui usai menghadiri acara Himpunan Alumni IPB di Jakarta, Sabtu (2/5).\n\nFoto: Ricardo/JPNN.com\n\n🔺Klik tautan story untuk baca selengkapnya🔺\n\n#purbaya\n#menkeu\n#sakit\n#jpnncom", "post_id": "3888985270478165427_1484277153"}}, {"key": "purbayayudhis", "attributes": {"label": "purbayayudhis", "x": 683.4187209648003, "y": 730.536007894357, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 17.4268, "eigenvector": 0.0, "in_degree": 5, "out_degree": 0, "degree": 5}, "_id": "3888985270478165427_1484277153", "id": "purbayayudhis", "source": "instagram-000001", "content": "Kepala Biro Komunikasi dan Layanan Informasi Kementerian Keuangan (Kemenkeu) Deni Surjantoro memastikan Menteri Keuangan (Menkeu) Purbaya Yudhi Sadewa dalam kondisi sehat.\n\n“Iya, beliau (Purbaya, red) sehat-sehat saja,” kata Deni, di Jakarta, Minggu (3/5).\n\nSebelumnya, beredar isu Menkeu Purbaya menjalani perawatan di suatu rumah sakit di Jakarta.\n\nDi tengah isu itu, Purbaya membagikan video dirinya melakukan aktivitas olahraga renang, mengindikasikan bahwa dia dalam kondisi bugar. \n\nDalam video yang diunggah di akun pribadi media sosialnya itu, dia mengajak masyarakat, khususnya generasi muda, untuk menjalani gaya hidup yang sehat.\n\n“Selamat pagi Guys. Gen Z jangan lupa olahraga, renang bisa, lari boleh, padel juga bisa. Kalau saya biasanya renang sih. Gak berasa 'long weekend-nya',” tulis Purbaya, dikutip dari akun TikTok pribadinya , Minggu.\n\nWakil Menteri Keuangan Juda Agung juga telah menanggapi kabar soal kesehatan Menkeu Purbaya.\n\n“Wah enggak tahu saya. Insyaallah sehat. Doakan saja,” ujar Juda saat ditemui usai menghadiri acara Himpunan Alumni IPB di Jakarta, Sabtu (2/5).\n\nFoto: Ricardo/JPNN.com\n\n🔺Klik tautan story untuk baca selengkapnya🔺\n\n#purbaya\n#menkeu\n#sakit\n#jpnncom", "post_id": "3888985270478165427_1484277153"}}, {"key": "_soppenginfo_", "attributes": {"label": "_soppenginfo_", "x": 195.53590698397494, "y": 6.702547585232366, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "3889302468777571861_4226053342", "id": "_soppenginfo_", "source": "instagram-000001", "content": "Menteri Keuangan RI Purbaya Yudhi Sadewa terlihat beraktivitas di ruang publik di tengah kabar soal kondisi kesehatannya. Ia terlihat berjalan bersama istrinya di sebuah mal di Jakarta pada Minggu (3/5/2026). \n\nKemunculan ini menjawab kabar yang beredar di media sosial terkait kondisi kesehatannya. Sebelumnya muncul informasi Purbaya dirawat di rumah sakit di Jakarta.\n\nAktivitas Purbaya juga terlihat di media sosial. Melalui akun TikTok , ia membagikan video saat berenang. \n\nDalam video tersebut, Purbaya berenang gaya bebas dengan kacamata dan topi renang. Ia terlihat berenang bolak-balik dari ujung ke ujung kolam sebanyak dua kali.\n\n“Selamat pagi, guys. Gen Z jangan lupa olahraga, renang bisa, lari boleh, padel juga bisa. Kalau saya biasanya renang sih. \n\nNggak berasa long weekend-nya. Hari Senin siap-siap serok ya,” tulis Purbaya, dikutip dari akun TikTok-nya \n\nSebelumnya, Wakil Menteri Keuangan Juda Agung merespons kabar yang beredar. Ia mengaku belum mengetahui informasi tersebut.\n\n“Wah enggak tahu saya. Insya Allah sehat. Doakan saja,” ujar Juda saat ditemui usai acara Himpunan Alumni IPB di Jakarta, Sabtu (2/5/2026), seperti dikutip dari Antara. \n\nJuda memastikan konferensi pers APBN KiTa tetap digelar pada Rabu (6/5/2026). Agenda ini sempat ditunda dari jadwal awal pada Rabu (29/4/2026).\n\nSelengkapnya : https://money.kompas.com/read/2026/05/04/070300226/sempat-dikabarkan-sakit-purbaya-muncul-di-mal-dan-berenang. \n\n#soppenginfo \n#karebannatausoppengnge", "post_id": "3889302468777571861_4226053342"}}, {"key": "purbayayudhis.", "attributes": {"label": "purbayayudhis.", "x": 178.48367435331934, "y": 156.54288904911994, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 9.9738, "eigenvector": 0.0, "in_degree": 3, "out_degree": 0, "degree": 3}, "_id": "3889302468777571861_4226053342", "id": "purbayayudhis.", "source": "instagram-000001", "content": "Menteri Keuangan RI Purbaya Yudhi Sadewa terlihat beraktivitas di ruang publik di tengah kabar soal kondisi kesehatannya. Ia terlihat berjalan bersama istrinya di sebuah mal di Jakarta pada Minggu (3/5/2026). \n\nKemunculan ini menjawab kabar yang beredar di media sosial terkait kondisi kesehatannya. Sebelumnya muncul informasi Purbaya dirawat di rumah sakit di Jakarta.\n\nAktivitas Purbaya juga terlihat di media sosial. Melalui akun TikTok , ia membagikan video saat berenang. \n\nDalam video tersebut, Purbaya berenang gaya bebas dengan kacamata dan topi renang. Ia terlihat berenang bolak-balik dari ujung ke ujung kolam sebanyak dua kali.\n\n“Selamat pagi, guys. Gen Z jangan lupa olahraga, renang bisa, lari boleh, padel juga bisa. Kalau saya biasanya renang sih. \n\nNggak berasa long weekend-nya. Hari Senin siap-siap serok ya,” tulis Purbaya, dikutip dari akun TikTok-nya \n\nSebelumnya, Wakil Menteri Keuangan Juda Agung merespons kabar yang beredar. Ia mengaku belum mengetahui informasi tersebut.\n\n“Wah enggak tahu saya. Insya Allah sehat. Doakan saja,” ujar Juda saat ditemui usai acara Himpunan Alumni IPB di Jakarta, Sabtu (2/5/2026), seperti dikutip dari Antara. \n\nJuda memastikan konferensi pers APBN KiTa tetap digelar pada Rabu (6/5/2026). Agenda ini sempat ditunda dari jadwal awal pada Rabu (29/4/2026).\n\nSelengkapnya : https://money.kompas.com/read/2026/05/04/070300226/sempat-dikabarkan-sakit-purbaya-muncul-di-mal-dan-berenang. \n\n#soppenginfo \n#karebannatausoppengnge", "post_id": "3889302468777571861_4226053342"}}, {"key": "binusuniversityofficial", "attributes": {"label": "binusuniversityofficial", "x": 545.0487774525222, "y": 16.70304995102667, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "3884386778631563735_2244466728", "id": "binusuniversityofficial", "source": "instagram-000001", "content": "Hallo Binusian 👋\nStudium Generale x Warta Ekonomi\n\nCashless, Careless?\n\n✨ Jadi Mahasiswa Cerdas Finansial di Era Digital.\n\nDi era serba digital, transaksi makin praktis dan cepat…\nTapi, apakah kamu sudah benar-benar paham risikonya dan tahu cara mengelola keuangan dengan bijak? 🤔\n\nYuk, tingkatkan literasi finansial kamu di acara seru ini!\n\n📅 Selasa, 28 April 2026\n🕐 13.00 - selesai\n📍 Atrium Lt 1, BINUS  Sutera\n\nOpening Speech\nMuhamad Ihsan – CEO & Chief Editor Warta Ekonomi Group\n\nWelcome Speech\nProf. Dr. Lim Sanny, S.T., M.M. – Campus Director BINUS  Sutera\n\nKeynote Speaker\nDicky Kartikoyono – Kepala Eksekutif Pengawas Perilaku Pelaku Usaha Jasa Keuangan, Edukasi, dan Perlindungan Konsumen, OJK\n\nNarasumber Inspiratif:\n• Gunawan Herman – President Director Dupoin Futures\n• Nicholas Tas – Head of Retail Banking Business Bank Jago\n• Eka Nilam – President Director ShopeePay Indonesia\n• Subani – Direktur Utama CFX\n\nApa yang akan kamu dapatkan?\n✔ Insight tentang e-wallet, bank digital, kripto & BNPL\n✔ Tips menghindari jebakan utang & FOMO finansial\n✔ Strategi jadi Financially Fit & Digitally Savvy\n🎪 Special Experience!\n🎮 Fun Games & Student Stage\n🏦 Experience Booth Keuangan Digital\n💬 Free Consultation\n\nJangan sampai ketinggalan ya! 🚀\n#fosteriabinus", "post_id": "3884386778631563735_2244466728"}}, {"key": "Alam", "attributes": {"label": "Alam", "x": 315.09639754481765, "y": 679.9467433655394, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 4, "out_degree": 0, "degree": 4}, "_id": "3884386778631563735_2244466728", "id": "Alam", "source": "instagram-000001", "content": "Hallo Binusian 👋\nStudium Generale x Warta Ekonomi\n\nCashless, Careless?\n\n✨ Jadi Mahasiswa Cerdas Finansial di Era Digital.\n\nDi era serba digital, transaksi makin praktis dan cepat…\nTapi, apakah kamu sudah benar-benar paham risikonya dan tahu cara mengelola keuangan dengan bijak? 🤔\n\nYuk, tingkatkan literasi finansial kamu di acara seru ini!\n\n📅 Selasa, 28 April 2026\n🕐 13.00 - selesai\n📍 Atrium Lt 1, BINUS  Sutera\n\nOpening Speech\nMuhamad Ihsan – CEO & Chief Editor Warta Ekonomi Group\n\nWelcome Speech\nProf. Dr. Lim Sanny, S.T., M.M. – Campus Director BINUS  Sutera\n\nKeynote Speaker\nDicky Kartikoyono – Kepala Eksekutif Pengawas Perilaku Pelaku Usaha Jasa Keuangan, Edukasi, dan Perlindungan Konsumen, OJK\n\nNarasumber Inspiratif:\n• Gunawan Herman – President Director Dupoin Futures\n• Nicholas Tas – Head of Retail Banking Business Bank Jago\n• Eka Nilam – President Director ShopeePay Indonesia\n• Subani – Direktur Utama CFX\n\nApa yang akan kamu dapatkan?\n✔ Insight tentang e-wallet, bank digital, kripto & BNPL\n✔ Tips menghindari jebakan utang & FOMO finansial\n✔ Strategi jadi Financially Fit & Digitally Savvy\n🎪 Special Experience!\n🎮 Fun Games & Student Stage\n🏦 Experience Booth Keuangan Digital\n💬 Free Consultation\n\nJangan sampai ketinggalan ya! 🚀\n#fosteriabinus", "post_id": "3884386778631563735_2244466728"}}, {"key": "pajakrangkasbitung", "attributes": {"label": "pajakrangkasbitung", "x": 890.684056755691, "y": 943.7630536017507, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "3876413745492833178_7722149949", "id": "pajakrangkasbitung", "source": "instagram-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "3876413745492833178_7722149949"}}, {"key": "pajakcilegon", "attributes": {"label": "pajakcilegon", "x": 39.610085716592856, "y": 140.5701139643458, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "3876417983484076330_3674722396", "id": "pajakcilegon", "source": "instagram-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "3876417983484076330_3674722396"}}, {"key": "pajakserangtimur", "attributes": {"label": "pajakserangtimur", "x": 919.0942901911784, "y": 915.8983909332617, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "3877136806080261462_8663906496", "id": "pajakserangtimur", "source": "instagram-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "3877136806080261462_8663906496"}}, {"key": "pajakpondokaren", "attributes": {"label": "pajakpondokaren", "x": 957.4840574870542, "y": 407.69523767683967, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "3877142165528880080_3681402591", "id": "pajakpondokaren", "source": "instagram-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "3877142165528880080_3681402591"}}, {"key": "mnow.id", "attributes": {"label": "mnow.id", "x": 289.1675944612494, "y": 288.8525709002097, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "3872036728383626014_46229168085", "id": "mnow.id", "source": "instagram-000001", "content": "- Data OJK mencatat outstanding pinjaman online masyarakat\nIndonesia tembus Rp100,69 triliun per Februari 2026, naik 25,75% dalam setahun.\n\nAngka ini disampaikan langsung oleh Agusman, Kepala Eksekutif Pengawas IKNB OJK, dalam konferensi pers RDKB 6 April 2026.\n\nPenyebab utamanya adalah credit gap yang masih tinggi, dan sektor UMKM yang makin bergantung ke fintech lending karena aksesnya lebih cepat dari bank.\n\nYang perlu jadi perhatian, tingkat kredit macet (TWP90) juga ikut naik ke 4,54%. Makin banyak yang pinjam, makin banyak juga yang gagal bayar.\n\nVia  \n#mnow #hutang #pinjol #hutangpinjol #triliunan", "post_id": "3872036728383626014_46229168085"}}, {"key": "volix.media", "attributes": {"label": "volix.media", "x": 132.1246091669932, "y": 246.87807670285721, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["instagram-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3872036728383626014_46229168085", "id": "volix.media", "source": "instagram-000001", "content": "- Data OJK mencatat outstanding pinjaman online masyarakat\nIndonesia tembus Rp100,69 triliun per Februari 2026, naik 25,75% dalam setahun.\n\nAngka ini disampaikan langsung oleh Agusman, Kepala Eksekutif Pengawas IKNB OJK, dalam konferensi pers RDKB 6 April 2026.\n\nPenyebab utamanya adalah credit gap yang masih tinggi, dan sektor UMKM yang makin bergantung ke fintech lending karena aksesnya lebih cepat dari bank.\n\nYang perlu jadi perhatian, tingkat kredit macet (TWP90) juga ikut naik ke 4,54%. Makin banyak yang pinjam, makin banyak juga yang gagal bayar.\n\nVia  \n#mnow #hutang #pinjol #hutangpinjol #triliunan", "post_id": "3872036728383626014_46229168085"}}, {"key": "infotibandung", "attributes": {"label": "infotibandung", "x": 794.6462922188181, "y": 283.71081483925565, "size": 15.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 241.6114, "in_degree": 1, "out_degree": 13, "degree": 14}, "_id": "3870631128227549127_8160154222", "id": "infotibandung", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotimedia", "attributes": {"label": "infotimedia", "x": 449.5901821854905, "y": 756.8100033121625, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotimedia", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotimohtoha", "attributes": {"label": "infotimohtoha", "x": 40.915018381378346, "y": 930.7607690947733, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotimohtoha", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infobandungselatan_", "attributes": {"label": "infobandungselatan_", "x": 368.19312622158685, "y": 186.6877292316751, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infobandungselatan_", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infoticibaduyut", "attributes": {"label": "infoticibaduyut", "x": 212.69901549882152, "y": 46.82598932498938, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infoticibaduyut", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotibanjaran.id", "attributes": {"label": "infotibanjaran.id", "x": 463.79282578119216, "y": 544.0888746631188, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotibanjaran.id", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotipameungpeukbdg", "attributes": {"label": "infotipameungpeukbdg", "x": 756.2738881598622, "y": 539.9056656632164, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotipameungpeukbdg", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotibuahbatu", "attributes": {"label": "infotibuahbatu", "x": 228.08631317576567, "y": 989.2484129431722, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotibuahbatu", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotikatapang", "attributes": {"label": "infotikatapang", "x": 526.8198149309131, "y": 516.0524835543168, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotikatapang", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotirancaekek", "attributes": {"label": "infotirancaekek", "x": 13.876616999739856, "y": 316.0655164501697, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotirancaekek", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infoticimaung.id", "attributes": {"label": "infoticimaung.id", "x": 972.4106119762118, "y": 236.95036694655712, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infoticimaung.id", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infotisoreang", "attributes": {"label": "infotisoreang", "x": 84.20561823669226, "y": 785.6993954724632, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infotisoreang", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "infoticiparay_", "attributes": {"label": "infoticiparay_", "x": 137.74612906493832, "y": 296.3137198637019, "size": 6.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["instagram-000001"], "scores": {"pagerank": 4.6908, "eigenvector": 60.4029, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3870631128227549127_8160154222", "id": "infoticiparay_", "source": "instagram-000001", "content": "Total utang masyarakat Indonesia di layanan pinjaman online (pinjol) alias peer-to-peer (P2P) lending menembus Rp100,69 triliun per Februari 2026. Angka ini melonjak tajam, naik 25,75 persen dibandingkan periode yang sama tahun lalu.\n\nKepala Eksekutif Pengawas Lembaga Pembiayaan dan Lembaga Jasa Keuangan Lainnya Otoritas Jasa Keuangan (OJK), Agusman, menyebut lonjakan tersebut mencerminkan agresifnya pertumbuhan pembiayaan di sektor fintech lending.\n\n\"Pada industri pinjaman daring, outstanding pembiayaan pada Februari 2026 tumbuh 25,75 persen year-on-year dengan nilai nominal sebesar Rp100,69 triliun,\" kata Agusman dalam konferensi pers hasil RDKB Maret 2026, dikutip Selasa, 7 April 2026.\n\nSecara bulanan, utang pinjol juga terus merangkak naik. Per Februari 2026, nilainya bertambah Rp2,15 triliun dari posisi Januari yang sebesar Rp98,54 triliun.\n\nNamun di balik pertumbuhan tersebut, risiko kredit macet ikut membengkak. Tingkat wanprestasi 90 hari (TWP90) tercatat naik ke level 4,54 persen, dari sebelumnya 4,38 persen pada Januari 2026.\n\n—\nArtikel https://www.rmolsumut.id/utang-pinjol-warga-ri-tembus-rp10069-triliun-melonjak-2575-persen\n—\nFollow akun lainnya  :\n\n  \n   \n \n  \n—\n#infotimedia #infotibandung ⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣⁣#bandung #tibandung #kabupatenbandung BandungRaya jawabarat", "post_id": "3870631128227549127_8160154222"}}, {"key": "bloombergtechnoz", "attributes": {"label": "bloombergtechnoz", "x": 915.3945886376979, "y": 252.0656399447384, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["instagram-000001"], "scores": {"pagerank": 29.2269, "eigenvector": 0.0, "in_degree": 1, "out_degree": 1, "degree": 2}, "_id": "3875038503600948598_51748745734", "id": "bloombergtechnoz", "source": "instagram-000001", "content": "Survei LendingTree menunjukkan hampir separuh pengguna Buy Now, Pay Later (BNPL) di AS pernah telat membayar cicilan dalam setahun terakhir, mencerminkan meningkatnya ketergantungan konsumen terhadap pinjaman di tengah tekanan harga yang tinggi.\n\nPenggunaannya pun kian meluas hingga kebutuhan pokok, namun tren ini mulai memicu kekhawatiran terhadap kesehatan finansial konsumen.\n\nKlik link di bio untuk detail informasi selengkapnya. Jangan lupa follow  untuk berita dan data menarik lainnya.\n\n#survey #paylater #konsumen #bloombergtechnoz", "post_id": "3875038503600948598_51748745734"}}, {"key": "infobandaacehs", "attributes": {"label": "infobandaacehs", "x": 110.06529015648137, "y": 845.7155082575636, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "3877972544398112142_42334834552", "id": "infobandaacehs", "source": "instagram-000001", "content": "Pemerintah menegaskan pentingnya reformasi penerimaan negara dengan memperluas basis pajak di tengah tekanan geopolitik global yang terus berlanjut sejak 2022. \nWakil Menteri Keuangan Juda Agung menyatakan, ketergantungan pada sumber penerimaan yang sama tidak lagi memadai untuk menjaga kesehatan fiskal.\n\n“Kami tidak bisa terus bergantung pada basis penerimaan yang sama, apalagi di tengah badai geopolitik yang dari tahun ke tahun, sejak 2022 ini silih berganti,” ujar Juda dalam acara Pusdiklat Pajak, Rabu (8/4/2026).\n\nTertinggal Meski Belanja Membengkak Menurutnya, strategi penguatan penerimaan harus diarahkan pada perluasan basis pajak yang adil, sekaligus mampu menangkap potensi ekonomi baru.\n\nSelain itu, integrasi data lintas sektor serta kerja sama antar kementerian dan lembaga menjadi kunci untuk menutup celah-celah struktural yang selama ini belum tergarap optimal.\n\nIa menegaskan, fokus pemerintah bukan menambah beban bagi wajib pajak yang sudah patuh. Sebaliknya, pemerintah ingin meningkatkan kepatuhan dari sektor-sektor yang selama ini belum tersentuh secara maksimal.\n\n“Pesan sederhananya adalah penerimaan yang sehat adalah penerimaan yang tumbuh seiring dengan ekonomi, bukan yang melemahkan daya dorong perekonomian,” imbuhnya.\n\nSelengkapnya di kontan.co.id\n\nAqiqah/Qurban Praktis Terjangkau :  \n\n#infobandaaceh #bandaaceh", "post_id": "3877972544398112142_42334834552"}}, {"key": "ingin_jaya_qurban_aceh", "attributes": {"label": "ingin_jaya_qurban_aceh", "x": 601.2361884131867, "y": 67.3046208057878, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["instagram-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "3877972544398112142_42334834552", "id": "ingin_jaya_qurban_aceh", "source": "instagram-000001", "content": "Pemerintah menegaskan pentingnya reformasi penerimaan negara dengan memperluas basis pajak di tengah tekanan geopolitik global yang terus berlanjut sejak 2022. \nWakil Menteri Keuangan Juda Agung menyatakan, ketergantungan pada sumber penerimaan yang sama tidak lagi memadai untuk menjaga kesehatan fiskal.\n\n“Kami tidak bisa terus bergantung pada basis penerimaan yang sama, apalagi di tengah badai geopolitik yang dari tahun ke tahun, sejak 2022 ini silih berganti,” ujar Juda dalam acara Pusdiklat Pajak, Rabu (8/4/2026).\n\nTertinggal Meski Belanja Membengkak Menurutnya, strategi penguatan penerimaan harus diarahkan pada perluasan basis pajak yang adil, sekaligus mampu menangkap potensi ekonomi baru.\n\nSelain itu, integrasi data lintas sektor serta kerja sama antar kementerian dan lembaga menjadi kunci untuk menutup celah-celah struktural yang selama ini belum tergarap optimal.\n\nIa menegaskan, fokus pemerintah bukan menambah beban bagi wajib pajak yang sudah patuh. Sebaliknya, pemerintah ingin meningkatkan kepatuhan dari sektor-sektor yang selama ini belum tersentuh secara maksimal.\n\n“Pesan sederhananya adalah penerimaan yang sehat adalah penerimaan yang tumbuh seiring dengan ekonomi, bukan yang melemahkan daya dorong perekonomian,” imbuhnya.\n\nSelengkapnya di kontan.co.id\n\nAqiqah/Qurban Praktis Terjangkau :  \n\n#infobandaaceh #bandaaceh", "post_id": "3877972544398112142_42334834552"}}, {"key": "ginarhmtk", "attributes": {"label": "ginarhmtk", "x": 113.94076544683207, "y": 90.61738231543114, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tiktok-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "7636342675238653185", "id": "ginarhmtk", "source": "tiktok-000001", "content": "Throwback 2024, Wamenkeu Thomas Djiwandono sebelum jadi Gubernur BI. Thanks  (Dalam rangka kangen liputan) #makanbergizigratis #thomasdjiwandono #jurnalis", "post_id": "7636342675238653185"}}, {"key": "kumparan.", "attributes": {"label": "kumparan.", "x": 560.0465920677856, "y": 576.5201549381536, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["tiktok-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "7636342675238653185", "id": "kumparan.", "source": "tiktok-000001", "content": "Throwback 2024, Wamenkeu Thomas Djiwandono sebelum jadi Gubernur BI. Thanks  (Dalam rangka kangen liputan) #makanbergizigratis #thomasdjiwandono #jurnalis", "post_id": "7636342675238653185"}}, {"key": "sahabatmasyarakatofc", "attributes": {"label": "sahabatmasyarakatofc", "x": 11.485087780498727, "y": 873.0931245212413, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tiktok-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "7555519103105109304", "id": "sahabatmasyarakatofc", "source": "tiktok-000001", "content": "repost from   Kursi Wakil Menteri Keuangan (Wamenkeu) kosong setelah ditinggal Anggito Abimanyu yang telah ditetapkan sebagai Ketua Dewan Komisioner Lembaga Penjamin Simpanan (LPS). Menteri Keuangan (Menkeu) Purbaya Yudhi Sadewa akan mengusulkan kepada Presiden Prabowo Subianto agar tidak perlu menambah pejabat baru. Menurutnya, struktur baru jika tanpa tambahan Wamenkeu baru akan mempermudah dan mempercepat penyelesaian masalah di sektor penerimaan negara.", "post_id": "7555519103105109304"}}, {"key": "officialinewstv", "attributes": {"label": "officialinewstv", "x": 309.186537498911, "y": 902.7986920546117, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tiktok-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "7555519103105109304", "id": "officialinewstv", "source": "tiktok-000001", "content": "repost from   Kursi Wakil Menteri Keuangan (Wamenkeu) kosong setelah ditinggal Anggito Abimanyu yang telah ditetapkan sebagai Ketua Dewan Komisioner Lembaga Penjamin Simpanan (LPS). Menteri Keuangan (Menkeu) Purbaya Yudhi Sadewa akan mengusulkan kepada Presiden Prabowo Subianto agar tidak perlu menambah pejabat baru. Menurutnya, struktur baru jika tanpa tambahan Wamenkeu baru akan mempermudah dan mempercepat penyelesaian masalah di sektor penerimaan negara.", "post_id": "7555519103105109304"}}, {"key": "siningkonsultan", "attributes": {"label": "siningkonsultan", "x": 475.1742637938514, "y": 769.8418679412913, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tiktok-000001"], "scores": {"pagerank": 7.6245, "eigenvector": 0.0, "in_degree": 1, "out_degree": 2, "degree": 3}, "_id": "7625517177176673554", "id": "siningkonsultan", "source": "tiktok-000001", "content": "KPPU Jatuhi Sanksi terhadap 97 Aplikasi Pinjol! 🛡️ Halo,SINers! Ini adalah berita penting bagi siapa saja yang menggunakan atau berencana menggunakan layanan pinjaman online (pinjol). Komisi Pengawas Persaingan Usaha (KPPU) baru saja menjatuhkan sanksi berupa denda kepada 97 aplikasi pinjol. Keputusan ini diambil setelah KPPU menemukan bukti adanya praktik persaingan usaha yang tidak sehat. Kenapa Sanksi Ini Diberikan? KPPU menemukan adanya kartel penetapan tarif suku bunga pinjaman di antara para pelaku usaha fintech lending. Praktik ini dinilai merugikan masyarakat karena membatasi pilihan dan menaikkan biaya pinjaman secara tidak wajar. Apa Dampaknya Bagi Kita? Ini adalah pengingat penting untuk selalu waspada dan teliti sebelum menggunakan layanan pinjol. Baca baik-baik syarat, ketentuan, dan suku bunga yang ditawarkan. Pastikan hanya menggunakan layanan pinjol yang terdaftar dan diawasi oleh Otoritas Jasa Keuangan (OJK).Perlindungan: Langkah KPPU ini merupakan upaya untuk melindungi konsumen dari praktik bisnis yang merugikan. ==================================== Instagram:  Tiktok:  Email: siningnusantararaya  #StopPinjol #BijakKelolaUang #siningnusantararaya #siningkonsultan", "post_id": "7625517177176673554"}}, {"key": "sining_konsultan", "attributes": {"label": "sining_konsultan", "x": 113.50943775536936, "y": 104.55237013138519, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["tiktok-000001"], "scores": {"pagerank": 7.6245, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "7625517177176673554", "id": "sining_konsultan", "source": "tiktok-000001", "content": "KPPU Jatuhi Sanksi terhadap 97 Aplikasi Pinjol! 🛡️ Halo,SINers! Ini adalah berita penting bagi siapa saja yang menggunakan atau berencana menggunakan layanan pinjaman online (pinjol). Komisi Pengawas Persaingan Usaha (KPPU) baru saja menjatuhkan sanksi berupa denda kepada 97 aplikasi pinjol. Keputusan ini diambil setelah KPPU menemukan bukti adanya praktik persaingan usaha yang tidak sehat. Kenapa Sanksi Ini Diberikan? KPPU menemukan adanya kartel penetapan tarif suku bunga pinjaman di antara para pelaku usaha fintech lending. Praktik ini dinilai merugikan masyarakat karena membatasi pilihan dan menaikkan biaya pinjaman secara tidak wajar. Apa Dampaknya Bagi Kita? Ini adalah pengingat penting untuk selalu waspada dan teliti sebelum menggunakan layanan pinjol. Baca baik-baik syarat, ketentuan, dan suku bunga yang ditawarkan. Pastikan hanya menggunakan layanan pinjol yang terdaftar dan diawasi oleh Otoritas Jasa Keuangan (OJK).Perlindungan: Langkah KPPU ini merupakan upaya untuk melindungi konsumen dari praktik bisnis yang merugikan. ==================================== Instagram:  Tiktok:  Email: siningnusantararaya  #StopPinjol #BijakKelolaUang #siningnusantararaya #siningkonsultan", "post_id": "7625517177176673554"}}, {"key": "kompascom", "attributes": {"label": "kompascom", "x": 814.8789936470562, "y": 925.513453582729, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tiktok-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "7635642317831015700", "id": "kompascom", "source": "tiktok-000001", "content": "Menteri Keuangan Purbaya Yudhi Sadewa mengunggah momen berenang di tengah kabar dirinya sakit, pada Minggu (3/5/2026). Dalam video tersebut, Purbaya tidak bicara, hanya menulis pesan kepada Gen Z untuk olahraga. “Selamat pagi, guys. Gen Z jangan lupa olahraga, renang bisa, lari boleh, padel juga bisa. Kalau saya biasanya renang sih. Nggak berasa long weekend-nya. Hari Senin siap-siap ‘serok’ ya,” tulis Purbaya di akun TikTok pribadinya  Sebelumnya, Wakil Menteri Keuangan Juda Agung merespons isu yang tengah beredar di media sosial soal kondisi kesehatan Purbaya. Juda mengaku belum mengetahui kabar tersebut dan meminta doa agar Purbaya tetap sehat.  “Wah enggak tahu saya. Insya Allah sehat. Doakan saja,” ujar Juda saat ditemui usai menghadiri acara Himpunan Alumni IPB di Jakarta, Sabtu (2/5/2026). Sumber: TikTok , ANTARA Penulis: Erlangga Djumena + #Purbaya #Peristiwa #Texvid", "post_id": "7635642317831015700"}}, {"key": "republikaonline", "attributes": {"label": "republikaonline", "x": 180.67278110214312, "y": 961.637065958269, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["tiktok-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "7635838442999500053", "id": "republikaonline", "source": "tiktok-000001", "content": "Kementerian Keuangan (Kemenkeu) memastikan Menteri Keuangan (Menkeu) Purbaya Yudhi Sadewa saat ini dalam kondisi sehat. Sebelumnya beredar isu terkait kesehatan Purbaya. “Iya, beliau sehat-sehat saja,” kata Kepala Biro Komunikasi dan Layanan Informasi Kemenkeu Deni Surjantoro saat dikonfirmasi di Jakarta, Ahad 3 Mei 2026. Sebelumnya, beredar isu mengenai kesehatan Menkeu Purbaya yang menduga Bendahara Negara itu sedang menjalani perawatan di suatu rumah sakit di Jakarta. Di tengah isu tersebut, Purbaya membagikan video dirinya melakukan aktivitas olahraga renang yang mengindikasikan bahwa dia dalam kondisi bugar. Dalam video yang diunggah di akun pribadi media sosialnya itu, dia mengajak masyarakat, khususnya generasi muda, untuk menjalani gaya hidup sehat. “Selamat pagi, guys. Gen Z jangan lupa olahraga, renang bisa, lari boleh, padel juga bisa. Kalau saya biasanya renang. Tidak terasa long weekend-nya,” tulis Purbaya, dikutip dari akun TikTok pribadinya , Ahad. Wakil Menteri Keuangan Juda Agung juga telah menanggapi kabar soal kesehatan Menkeu Purbaya. \"Wah, tidak tahu saya. Insyaallah sehat. Doakan saja,” ujar Juda saat ditemui usai menghadiri acara Himpunan Alumni IPB di Jakarta, Sabtu 2 Mei 2026. Editor: Friska Yolandha Kreator: Pangeran Arga  Produser: Eko Supriyadi  #Republika #DailyNews #Purbaya #CekRepublikaAja #RepublikaOfficial", "post_id": "7635838442999500053"}}, {"key": "universitasbinanusantara", "attributes": {"label": "universitasbinanusantara", "x": 882.7413419866739, "y": 963.8373465899781, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["facebook-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "73145249266_1403614101805364", "id": "universitasbinanusantara", "source": "facebook-000001", "content": "Hallo Binusian 👋\nStudium Generale x Warta Ekonomi\n\nCashless, Careless?\n\n✨ Jadi Mahasiswa Cerdas Finansial di Era Digital.\n\nDi era serba digital, transaksi makin praktis dan cepat…\nTapi, apakah kamu sudah benar-benar paham risikonya dan tahu cara mengelola keuangan dengan bijak? 🤔\n\nYuk, tingkatkan literasi finansial kamu di acara seru ini!\n\n📅 Selasa, 28 April 2026\n🕐 13.00 - selesai\n📍 Atrium Lt 1, BINUS  Sutera\n\n*Opening Speech*\nMuhamad Ihsan – CEO & Chief Editor Warta Ekonomi Group\n\n*Welcome Speech*\nProf. Dr. Lim Sanny, S.T., M.M. – Campus Director BINUS  Sutera\n\n*Keynote Speaker*\nDicky Kartikoyono – Kepala Eksekutif Pengawas Perilaku Pelaku Usaha Jasa Keuangan, Edukasi, dan Perlindungan Konsumen, OJK\n\n*Narasumber Inspiratif:*\n• Gunawan Herman – President Director Dupoin Futures\n• Nicholas Tas – Head of Retail Banking Business Bank Jago\n• Eka Nilam – President Director ShopeePay Indonesia\n• Subani – Direktur Utama CFX\n\nApa yang akan kamu dapatkan?\n✔ Insight tentang e-wallet, bank digital, kripto & BNPL\n✔ Tips menghindari jebakan utang & FOMO finansial\n✔ Strategi jadi Financially Fit & Digitally Savvy\n🎪 Special Experience!\n🎮 Fun Games & Student Stage\n🏦 Experience Booth Keuangan Digital\n💬 Free Consultation\n\nJangan sampai ketinggalan ya! 🚀\n#fosteriabinus", "post_id": "73145249266_1403614101805364"}}, {"key": "pajakkosambi", "attributes": {"label": "pajakkosambi", "x": 734.6681131770837, "y": 316.4758435149401, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["facebook-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 3, "degree": 3}, "_id": "105303157652867_1289379936712616", "id": "pajakkosambi", "source": "facebook-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "105303157652867_1289379936712616"}}, {"key": "PajakSertim", "attributes": {"label": "PajakSertim", "x": 814.9649621227491, "y": 379.69740548425756, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["facebook-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "110022644477821_1286442970244668", "id": "PajakSertim", "source": "facebook-000001", "content": "Menyongsong Indonesia Emas 2045. 🇮🇩\n\nBersama lebih dari 900 siswa SMA Taruna Nusantara, Wakil Menteri Keuangan Juda Agung mengajak generasi muda menyiapkan diri dengan integritas, disiplin, future skills, dan jiwa nasionalisme.\n\nMasa depan bangsa sedang dipersiapkan.\n\n#UangKita #Kemenkeu #Indonesia2045", "post_id": "110022644477821_1286442970244668"}}, {"key": "KontanNews", "attributes": {"label": "KontanNews", "x": 544.2646143055679, "y": 246.32264222041545, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["facebook-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "1288592932936007", "id": "KontanNews", "source": "facebook-000001", "content": "Fintech peer to peer (P2P) lending PT Akselerasi Usaha Indonesia (Akseleran) tengah tersangkut masalah gagal bayar. Beberapa lender banyak yang menyampaikan kekecewaannya di media sosial karena dana milik mereka masih belum kembali. Alhasil, baru-baru ini nama salah satu influencer keuangan, yaitu Felicia Putri Tjiasaka, sempat ikut terseret di kasus gagal bayar Akseleran. Sebab, influencer itu dinilai para lender ikut mendongkrak keyakinan mereka untuk menyalurkan pendanaan lewat fintech P2P lending tersebut. Felicia lantas memberikan penjelasan atau klarifikasinya dalam video yang diunggah pada 18 Juni 2025 lewat akun pribadinya  Dia menerangkan bahwa dirinya juga sempat menjadi lender Akseleran sejak 2020 dan berhenti mendanai pada 2023. \"Apakah saya mempromosikan, tetapi tidak investasi di Akseleran? Itu salah total karena saya pendanaan di situ (Akseleran) sejak 2020 dan berhenti sekitar 2023 karena situasi ekonomi yang memburuk,\" ujarnya dalam video tersebut. Felicia menyampaikan ada beberapa pendanaannya yang macet juga, tetapi nilainya tidak besar karena memakai fitur auto lending. Dia bilang sampai saat ini dirinya juga masih berkomunikasi dengan para lender yang pendanaannya macet di Akseleran. \"Saya tidak bisa menjamin apapun, tetapi saya akan membantu sebisa mungkin,\" katanya. Pada video terbarunya, Felicia memahami bahwa banyak lender yang pada akhirnya menyalahkan dirinya karena dana mereka macet di fintech P2P lending. Diketahui, pada beberapa tahun yang lalu, Felicia sempat menjelaskan soal investasi di fintech lending yang memang high risk, termasuk sempat menyebut nama Akseleran, Investree, dan KoinP2P. \"Saya minta maaf, karena menjadi manusia yang bisa dan sering salah. Namun, saya tidak kabur,\" ungkapnya. Dia mengimbau kepada masyarakat agar lebih responsible atau bertanggung jawab untuk setiap keputusan yang dipilih dalam semua aspek kehidupan. ________________ Artikel selengkapnya dihttps://keuangan.kontan.co.id/.../akseleran-diterpa-gagal... Sumber:kontan.co.id #kontannews #FeliciaPutriTjiasaka #Akseleran #P2P", "post_id": "1288592932936007"}}, {"key": "felicia.tjiasaka.", "attributes": {"label": "felicia.tjiasaka.", "x": 120.28176442235473, "y": 394.8799427881966, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["facebook-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "1288592932936007", "id": "felicia.tjiasaka.", "source": "facebook-000001", "content": "Fintech peer to peer (P2P) lending PT Akselerasi Usaha Indonesia (Akseleran) tengah tersangkut masalah gagal bayar. Beberapa lender banyak yang menyampaikan kekecewaannya di media sosial karena dana milik mereka masih belum kembali. Alhasil, baru-baru ini nama salah satu influencer keuangan, yaitu Felicia Putri Tjiasaka, sempat ikut terseret di kasus gagal bayar Akseleran. Sebab, influencer itu dinilai para lender ikut mendongkrak keyakinan mereka untuk menyalurkan pendanaan lewat fintech P2P lending tersebut. Felicia lantas memberikan penjelasan atau klarifikasinya dalam video yang diunggah pada 18 Juni 2025 lewat akun pribadinya  Dia menerangkan bahwa dirinya juga sempat menjadi lender Akseleran sejak 2020 dan berhenti mendanai pada 2023. \"Apakah saya mempromosikan, tetapi tidak investasi di Akseleran? Itu salah total karena saya pendanaan di situ (Akseleran) sejak 2020 dan berhenti sekitar 2023 karena situasi ekonomi yang memburuk,\" ujarnya dalam video tersebut. Felicia menyampaikan ada beberapa pendanaannya yang macet juga, tetapi nilainya tidak besar karena memakai fitur auto lending. Dia bilang sampai saat ini dirinya juga masih berkomunikasi dengan para lender yang pendanaannya macet di Akseleran. \"Saya tidak bisa menjamin apapun, tetapi saya akan membantu sebisa mungkin,\" katanya. Pada video terbarunya, Felicia memahami bahwa banyak lender yang pada akhirnya menyalahkan dirinya karena dana mereka macet di fintech P2P lending. Diketahui, pada beberapa tahun yang lalu, Felicia sempat menjelaskan soal investasi di fintech lending yang memang high risk, termasuk sempat menyebut nama Akseleran, Investree, dan KoinP2P. \"Saya minta maaf, karena menjadi manusia yang bisa dan sering salah. Namun, saya tidak kabur,\" ungkapnya. Dia mengimbau kepada masyarakat agar lebih responsible atau bertanggung jawab untuk setiap keputusan yang dipilih dalam semua aspek kehidupan. ________________ Artikel selengkapnya dihttps://keuangan.kontan.co.id/.../akseleran-diterpa-gagal... Sumber:kontan.co.id #kontannews #FeliciaPutriTjiasaka #Akseleran #P2P", "post_id": "1288592932936007"}}, {"key": "@tribuntimurdotcom", "attributes": {"label": "@tribuntimurdotcom", "x": 487.6287476369452, "y": 317.9502594090392, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "poMHfbglnZ0", "id": "@tribuntimurdotcom", "source": "youtube-000001", "content": "HOT NEWS; Menunggu Siapa Pejabat yang Akan Diganti Prabowo Ditengah Konflik Perang Iran-Israel-AS\n\nDownload aplikasi berita TribunX di Play Store atau App Store untuk dapatkan pengalaman baru\n\n\n\nTRIBUN-TIMUR.COM  - Isu perombakan kabinet kembali mencuat setelah libur Lebaran 2026 dan ditengah kurang kondusifnya kondisi perekonomian akibat konflik Timur Tengah.\n\nSekretaris Kabinet Teddy Indra Wijaya memberi sinyal bahwa perubahan susunan kabinet hanya tinggal menunggu waktu pelaksanaan. \n\nNamun, ia tidak memastikan kapan reshuffle akan dilakukan dan menegaskan bahwa penjelasan resmi akan disampaikan langsung oleh Presiden. \n\nHal ini menunjukkan bahwa keputusan sepenuhnya berada di tangan kepala negara.\n\nIsu reshuffle jilid VI sebenarnya sudah beredar sejak awal tahun. Pergantian posisi antara Thomas Djiwandono dan Juda Agung turut memperkuat spekulasi tersebut.(TRIBUN-TIMUR.COM)\n\nUpdate info terkini via http://tribun-timur.com/\nYouTube business inquiries: 081144407111\n\nYoutube: \nNaskah: Wa Ode Nurmin\nNarator: Wa Ode Nurmin\nSupporting: A Ariesta Widya Sari Arsyad (Mahasiswa Magang UNM)\nEditor Video: Abdul Rahman\n\n\n#tribunviral #Prabowo #Reshuffle #Kabinet #Isu #Dijawab #perombakankabinet #SekretarisKabinet #TeddyIndraWijaya", "post_id": "poMHfbglnZ0"}}, {"key": "@garudatv.official", "attributes": {"label": "@garudatv.official", "x": 929.0618585008136, "y": 792.2548203199669, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "eibjDkV4LC8", "id": "@garudatv.official", "source": "youtube-000001", "content": "Kabar Reshuffle April 2026: Seskab Teddy Minta Publik Tunggu Pengumuman Langsung Presiden Prabowo\n\nGaruda TV – Gelombang perombakan kabinet atau reshuffle di jajaran Kabinet Merah Putih pimpinan Presiden Prabowo Subianto kembali menjadi perbincangan hangat. Sekretaris Kabinet, Teddy Indra Wijaya, memberikan sinyal bahwa evaluasi terhadap para pembantu Presiden tersebut hanya tinggal menunggu waktu.\n\n\"Terkait isu reshuffle, tunggu saja. Nanti Bapak Presiden yang akan menceritakan langsung,\" ujar Teddy saat ditemui di Jakarta, Selasa siang. \n\nSebagai catatan, reshuffle terakhir dilakukan pada 5 Februari 2026 lalu, saat Presiden melantik Juda Agung sebagai Wakil Menteri Keuangan menggantikan Thomas Djiwandono.\n\nSelain isu perombakan kursi, publik juga dikejutkan dengan wacana pemotongan gaji para menteri hingga 25 persen. Langkah ini dipicu oleh tekanan kondisi geopolitik luar negeri yang menuntut efisiensi anggaran negara.\n\nSeskab Teddy menegaskan bahwa wacana tersebut sedang dalam tahap penggodokan serius. \"Intinya konsep-konsep itu akan dirapatkan dalam beberapa hari ini. Nanti kita lihat, belum ada keputusan apapun,\" tambahnya. \n\nSebelumnya, Menteri Keuangan Purbaya Yudhi Sadewa telah memprediksi besaran pemotongan tersebut dapat mencapai angka 25 persen guna menjaga stabilitas fiskal nasional.  \n\n#ReshuffleKabinet #TeddyIndraWijaya #PrabowoSubianto #GajiMenteri #MenkeuPurbaya #kabinetmerahputih  #garudatv #Laporan8\n\nGARUDA TV - Digital TV Indonesia, Berita Terpercaya\n\nSaksikan Garuda TV di Free to Air atau Streaming melalui:\nwww.garuda.tv | YouTube Garuda TV | Aplikasi Vidio | Wewatch | IndiHome CH111 | Transvision CH824 | FirstMedia CH45\n\nScan ulang saluran digital kamu sekarang ya dan saksikan terus program-program seru terbaru hanya di GarudaTV.\nSubscribe GarudaTV Official Youtube Channel    /   \nFollow our Official TikTok   / garudatv.official  \nLike our Official Facebook   / garudatv.official  \nFollow our Official Instagram   / garudatv.official", "post_id": "eibjDkV4LC8"}}, {"key": "garudatv.official", "attributes": {"label": "garudatv.official", "x": 867.4829748400227, "y": 816.1169777029057, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["youtube-000001"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 2, "out_degree": 0, "degree": 2}, "_id": "eibjDkV4LC8", "id": "garudatv.official", "source": "youtube-000001", "content": "Kabar Reshuffle April 2026: Seskab Teddy Minta Publik Tunggu Pengumuman Langsung Presiden Prabowo\n\nGaruda TV – Gelombang perombakan kabinet atau reshuffle di jajaran Kabinet Merah Putih pimpinan Presiden Prabowo Subianto kembali menjadi perbincangan hangat. Sekretaris Kabinet, Teddy Indra Wijaya, memberikan sinyal bahwa evaluasi terhadap para pembantu Presiden tersebut hanya tinggal menunggu waktu.\n\n\"Terkait isu reshuffle, tunggu saja. Nanti Bapak Presiden yang akan menceritakan langsung,\" ujar Teddy saat ditemui di Jakarta, Selasa siang. \n\nSebagai catatan, reshuffle terakhir dilakukan pada 5 Februari 2026 lalu, saat Presiden melantik Juda Agung sebagai Wakil Menteri Keuangan menggantikan Thomas Djiwandono.\n\nSelain isu perombakan kursi, publik juga dikejutkan dengan wacana pemotongan gaji para menteri hingga 25 persen. Langkah ini dipicu oleh tekanan kondisi geopolitik luar negeri yang menuntut efisiensi anggaran negara.\n\nSeskab Teddy menegaskan bahwa wacana tersebut sedang dalam tahap penggodokan serius. \"Intinya konsep-konsep itu akan dirapatkan dalam beberapa hari ini. Nanti kita lihat, belum ada keputusan apapun,\" tambahnya. \n\nSebelumnya, Menteri Keuangan Purbaya Yudhi Sadewa telah memprediksi besaran pemotongan tersebut dapat mencapai angka 25 persen guna menjaga stabilitas fiskal nasional.  \n\n#ReshuffleKabinet #TeddyIndraWijaya #PrabowoSubianto #GajiMenteri #MenkeuPurbaya #kabinetmerahputih  #garudatv #Laporan8\n\nGARUDA TV - Digital TV Indonesia, Berita Terpercaya\n\nSaksikan Garuda TV di Free to Air atau Streaming melalui:\nwww.garuda.tv | YouTube Garuda TV | Aplikasi Vidio | Wewatch | IndiHome CH111 | Transvision CH824 | FirstMedia CH45\n\nScan ulang saluran digital kamu sekarang ya dan saksikan terus program-program seru terbaru hanya di GarudaTV.\nSubscribe GarudaTV Official Youtube Channel    /   \nFollow our Official TikTok   / garudatv.official  \nLike our Official Facebook   / garudatv.official  \nFollow our Official Instagram   / garudatv.official", "post_id": "eibjDkV4LC8"}}, {"key": "@samir_fintek", "attributes": {"label": "@samir_fintek", "x": 173.8616817504257, "y": 244.41460479342226, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 3, "degree": 3}, "_id": "RtNPeFRNIqc", "id": "@samir_fintek", "source": "youtube-000001", "content": "Hilang Arah karena Skor Kredit Parah\n\nMungkin kita sering mendengar istilah skor kredit, tapi sebenarnya apa sih skor kredit itu? 🤔\n\nSkor kredit adalah penilaian yang menunjukkan seberapa baik riwayat keuangan kita, dan ini bisa memengaruhi kemudahan kita dalam mengajukan pinjaman.\n\nPenasaran dengan skor kredit kamu saat ini? Yuk, bagikan video ini supaya makin banyak yang paham dan lebih bijak dalam mengelola keuangan! \n\n__\nApa itu Skor Kredit? 0:37-0:53\nDampak Skor Kredit 0:57-1:19 \nSistem SLIK OJK 1:20-1:44 \nPentingnya Kedisiplinan 1:49-2:06\nTips Menjaga Skor 2:21-2:28 \nCara Cek Skor 2:32-2:44\n\n__\nLet's connect with us!\nInstagram: \nTikTok: \nWebsite: www.samir.co.id\nLinkedIn: Samir\n\n__\nJika atau pertanyaan seputar Samir silahkan sampaikan melalui kontak:\nHotline: 1500966\nEmail: customerservice \n\n__ \nReferences:\nSamir's Instagram Live material. (2026, March 12). Maintaining Your Credit Score & Eid Debt with More Peace of Mind by  S .\nIndonesian Fintech Lending Association (AFPI). (n.d.). What is the OJK SLIK Score? And How Does It Affect Those Looking to Borrow Funds. Retrieved March 30, 2026, from https://afpi.or.id/articles/detail/sk...\nFinancial Services Authority (OJK). (n.d.). Financial Information Services System (SLIK). Retrieved March 30, 2026, from https://ojk.go.id/id/kanal/perbankan/...\nFinancial Services Authority (OJK). (n.d.). iDebku. Retrieved from https://idebku.ojk.go.id", "post_id": "RtNPeFRNIqc"}}, {"key": "samir_fintek", "attributes": {"label": "samir_fintek", "x": 873.7205401922994, "y": 595.4732612062917, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.6262, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "RtNPeFRNIqc", "id": "samir_fintek", "source": "youtube-000001", "content": "Hilang Arah karena Skor Kredit Parah\n\nMungkin kita sering mendengar istilah skor kredit, tapi sebenarnya apa sih skor kredit itu? 🤔\n\nSkor kredit adalah penilaian yang menunjukkan seberapa baik riwayat keuangan kita, dan ini bisa memengaruhi kemudahan kita dalam mengajukan pinjaman.\n\nPenasaran dengan skor kredit kamu saat ini? Yuk, bagikan video ini supaya makin banyak yang paham dan lebih bijak dalam mengelola keuangan! \n\n__\nApa itu Skor Kredit? 0:37-0:53\nDampak Skor Kredit 0:57-1:19 \nSistem SLIK OJK 1:20-1:44 \nPentingnya Kedisiplinan 1:49-2:06\nTips Menjaga Skor 2:21-2:28 \nCara Cek Skor 2:32-2:44\n\n__\nLet's connect with us!\nInstagram: \nTikTok: \nWebsite: www.samir.co.id\nLinkedIn: Samir\n\n__\nJika atau pertanyaan seputar Samir silahkan sampaikan melalui kontak:\nHotline: 1500966\nEmail: customerservice \n\n__ \nReferences:\nSamir's Instagram Live material. (2026, March 12). Maintaining Your Credit Score & Eid Debt with More Peace of Mind by  S .\nIndonesian Fintech Lending Association (AFPI). (n.d.). What is the OJK SLIK Score? And How Does It Affect Those Looking to Borrow Funds. Retrieved March 30, 2026, from https://afpi.or.id/articles/detail/sk...\nFinancial Services Authority (OJK). (n.d.). Financial Information Services System (SLIK). Retrieved March 30, 2026, from https://ojk.go.id/id/kanal/perbankan/...\nFinancial Services Authority (OJK). (n.d.). iDebku. Retrieved from https://idebku.ojk.go.id", "post_id": "RtNPeFRNIqc"}}, {"key": "samirfintek", "attributes": {"label": "samirfintek", "x": 679.9063339796272, "y": 896.6149771930171, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.6262, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "RtNPeFRNIqc", "id": "samirfintek", "source": "youtube-000001", "content": "Hilang Arah karena Skor Kredit Parah\n\nMungkin kita sering mendengar istilah skor kredit, tapi sebenarnya apa sih skor kredit itu? 🤔\n\nSkor kredit adalah penilaian yang menunjukkan seberapa baik riwayat keuangan kita, dan ini bisa memengaruhi kemudahan kita dalam mengajukan pinjaman.\n\nPenasaran dengan skor kredit kamu saat ini? Yuk, bagikan video ini supaya makin banyak yang paham dan lebih bijak dalam mengelola keuangan! \n\n__\nApa itu Skor Kredit? 0:37-0:53\nDampak Skor Kredit 0:57-1:19 \nSistem SLIK OJK 1:20-1:44 \nPentingnya Kedisiplinan 1:49-2:06\nTips Menjaga Skor 2:21-2:28 \nCara Cek Skor 2:32-2:44\n\n__\nLet's connect with us!\nInstagram: \nTikTok: \nWebsite: www.samir.co.id\nLinkedIn: Samir\n\n__\nJika atau pertanyaan seputar Samir silahkan sampaikan melalui kontak:\nHotline: 1500966\nEmail: customerservice \n\n__ \nReferences:\nSamir's Instagram Live material. (2026, March 12). Maintaining Your Credit Score & Eid Debt with More Peace of Mind by  S .\nIndonesian Fintech Lending Association (AFPI). (n.d.). What is the OJK SLIK Score? And How Does It Affect Those Looking to Borrow Funds. Retrieved March 30, 2026, from https://afpi.or.id/articles/detail/sk...\nFinancial Services Authority (OJK). (n.d.). Financial Information Services System (SLIK). Retrieved March 30, 2026, from https://ojk.go.id/id/kanal/perbankan/...\nFinancial Services Authority (OJK). (n.d.). iDebku. Retrieved from https://idebku.ojk.go.id", "post_id": "RtNPeFRNIqc"}}, {"key": "Wishnu", "attributes": {"label": "Wishnu", "x": 552.6887949669047, "y": 943.524434687515, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.6262, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "RtNPeFRNIqc", "id": "Wishnu", "source": "youtube-000001", "content": "Hilang Arah karena Skor Kredit Parah\n\nMungkin kita sering mendengar istilah skor kredit, tapi sebenarnya apa sih skor kredit itu? 🤔\n\nSkor kredit adalah penilaian yang menunjukkan seberapa baik riwayat keuangan kita, dan ini bisa memengaruhi kemudahan kita dalam mengajukan pinjaman.\n\nPenasaran dengan skor kredit kamu saat ini? Yuk, bagikan video ini supaya makin banyak yang paham dan lebih bijak dalam mengelola keuangan! \n\n__\nApa itu Skor Kredit? 0:37-0:53\nDampak Skor Kredit 0:57-1:19 \nSistem SLIK OJK 1:20-1:44 \nPentingnya Kedisiplinan 1:49-2:06\nTips Menjaga Skor 2:21-2:28 \nCara Cek Skor 2:32-2:44\n\n__\nLet's connect with us!\nInstagram: \nTikTok: \nWebsite: www.samir.co.id\nLinkedIn: Samir\n\n__\nJika atau pertanyaan seputar Samir silahkan sampaikan melalui kontak:\nHotline: 1500966\nEmail: customerservice \n\n__ \nReferences:\nSamir's Instagram Live material. (2026, March 12). Maintaining Your Credit Score & Eid Debt with More Peace of Mind by  S .\nIndonesian Fintech Lending Association (AFPI). (n.d.). What is the OJK SLIK Score? And How Does It Affect Those Looking to Borrow Funds. Retrieved March 30, 2026, from https://afpi.or.id/articles/detail/sk...\nFinancial Services Authority (OJK). (n.d.). Financial Information Services System (SLIK). Retrieved March 30, 2026, from https://ojk.go.id/id/kanal/perbankan/...\nFinancial Services Authority (OJK). (n.d.). iDebku. Retrieved from https://idebku.ojk.go.id", "post_id": "RtNPeFRNIqc"}}, {"key": "@Sanjaykathuriapodcastclips", "attributes": {"label": "@Sanjaykathuriapodcastclips", "x": 19.352279035194208, "y": 566.564514475585, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 4.1943, "in_degree": 0, "out_degree": 18, "degree": 18}, "_id": "bhs6VEnhN-w", "id": "@Sanjaykathuriapodcastclips", "source": "youtube-000001", "content": "P2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\n🎧 Watch Full Podcast Here:\n    • P2P Lending : Hidden Risks, Process, & Mis...  \n\nP2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\nIn this insightful clip, Bhavin Patel — Co-founder & CEO of LenDenClub — breaks down the real profile of borrowers on P2P platforms and the truth behind high interest rates like 18–24%.\n\nHe explains who actually takes loans on these platforms, why they are willing to pay higher interest, and how risk-based pricing works in India’s lending ecosystem.\n\n💰 What You’ll Learn in This Clip:\n✅ Who borrows money on P2P platforms\n✅ Why borrowers pay higher interest rates\n✅ Risk-based lending explained simply\n✅ Income profile & credit behaviour of borrowers\n✅ Reality behind 24% return claims\n\n⚠️ High returns are not “free money” — they reflect higher borrower risk and credit gaps in India.\n\n🔔 Subscribe to the main channel for full interviews:\n   /   \n\n🔗 Guest Socials – LenDenClub\n🌐 Website: https://www.lendenclub.com/\n\n📸 Instagram:   / lenden.club  \n\n▶️ YouTube:    /   \n\n💼 LinkedIn:   / lenden-club  \n\n📲 Download App: https://lendenclub.onelink.me/fh0K/9y...\n\n🔗 Guest Socials – Bhavin Patel\n📸 Instagram:   / unfilteredfounder  \n\n💼 LinkedIn:   / bhavinpatel2022  \n\n▶️ YouTube:    /   \n\n📱 Follow Sanjay Kathuria Podcast:\n📸 Instagram:   / sanjaykathuriapodcast  \n\n▶️ YouTube (Main):    /   \n\n▶️ YouTube (Clips):    /   \n\n📘 Facebook:   / sanjaykathuriapodcasts  \n\n🎧 Spotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n📸 Instagram:   / financebysanjay  \n\n📘 Facebook:   / financebysanjay  \n\n💼 LinkedIn:   / sanjaykathuria  \n\n🐦 Twitter:   / sanjaykathuria  \n\n▶️ YouTube:    /   \n\n🎙️ About the Podcast:\nThe Sanjay Kathuria Podcast brings real, practical conversations with experts — helping you understand finance deeply and make smarter investment decisions.\n\n#SanjayKathuriaPodcastClips #P2PLending #InterestRates #PassiveIncome #BhavinPatel #FintechIndia #Investing\n\n🎯 SEO Tags (comma-separated):\n\nSanjay Kathuria Podcast Clips, P2P borrower profile India, P2P lending interest rates India, why borrowers pay high interest India, Bhavin Patel lending insights, peer to peer lending risk India, 24 percent return P2P reality, lending platforms India explained, fintech lending India, passive income India P2P, alternative investments India", "post_id": "bhs6VEnhN-w"}}, {"key": "sanjaykathuriapodcast", "attributes": {"label": "sanjaykathuriapodcast", "x": 312.5504958098394, "y": 527.0003862498924, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.8333, "eigenvector": 4.1943, "in_degree": 10, "out_degree": 0, "degree": 10}, "_id": "bhs6VEnhN-w", "id": "sanjaykathuriapodcast", "source": "youtube-000001", "content": "P2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\n🎧 Watch Full Podcast Here:\n    • P2P Lending : Hidden Risks, Process, & Mis...  \n\nP2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\nIn this insightful clip, Bhavin Patel — Co-founder & CEO of LenDenClub — breaks down the real profile of borrowers on P2P platforms and the truth behind high interest rates like 18–24%.\n\nHe explains who actually takes loans on these platforms, why they are willing to pay higher interest, and how risk-based pricing works in India’s lending ecosystem.\n\n💰 What You’ll Learn in This Clip:\n✅ Who borrows money on P2P platforms\n✅ Why borrowers pay higher interest rates\n✅ Risk-based lending explained simply\n✅ Income profile & credit behaviour of borrowers\n✅ Reality behind 24% return claims\n\n⚠️ High returns are not “free money” — they reflect higher borrower risk and credit gaps in India.\n\n🔔 Subscribe to the main channel for full interviews:\n   /   \n\n🔗 Guest Socials – LenDenClub\n🌐 Website: https://www.lendenclub.com/\n\n📸 Instagram:   / lenden.club  \n\n▶️ YouTube:    /   \n\n💼 LinkedIn:   / lenden-club  \n\n📲 Download App: https://lendenclub.onelink.me/fh0K/9y...\n\n🔗 Guest Socials – Bhavin Patel\n📸 Instagram:   / unfilteredfounder  \n\n💼 LinkedIn:   / bhavinpatel2022  \n\n▶️ YouTube:    /   \n\n📱 Follow Sanjay Kathuria Podcast:\n📸 Instagram:   / sanjaykathuriapodcast  \n\n▶️ YouTube (Main):    /   \n\n▶️ YouTube (Clips):    /   \n\n📘 Facebook:   / sanjaykathuriapodcasts  \n\n🎧 Spotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n📸 Instagram:   / financebysanjay  \n\n📘 Facebook:   / financebysanjay  \n\n💼 LinkedIn:   / sanjaykathuria  \n\n🐦 Twitter:   / sanjaykathuria  \n\n▶️ YouTube:    /   \n\n🎙️ About the Podcast:\nThe Sanjay Kathuria Podcast brings real, practical conversations with experts — helping you understand finance deeply and make smarter investment decisions.\n\n#SanjayKathuriaPodcastClips #P2PLending #InterestRates #PassiveIncome #BhavinPatel #FintechIndia #Investing\n\n🎯 SEO Tags (comma-separated):\n\nSanjay Kathuria Podcast Clips, P2P borrower profile India, P2P lending interest rates India, why borrowers pay high interest India, Bhavin Patel lending insights, peer to peer lending risk India, 24 percent return P2P reality, lending platforms India explained, fintech lending India, passive income India P2P, alternative investments India", "post_id": "bhs6VEnhN-w"}}, {"key": "lendenclubofficial", "attributes": {"label": "lendenclubofficial", "x": 687.4934103190598, "y": 272.6349193370581, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.8333, "eigenvector": 4.1943, "in_degree": 5, "out_degree": 0, "degree": 5}, "_id": "bhs6VEnhN-w", "id": "lendenclubofficial", "source": "youtube-000001", "content": "P2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\n🎧 Watch Full Podcast Here:\n    • P2P Lending : Hidden Risks, Process, & Mis...  \n\nP2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\nIn this insightful clip, Bhavin Patel — Co-founder & CEO of LenDenClub — breaks down the real profile of borrowers on P2P platforms and the truth behind high interest rates like 18–24%.\n\nHe explains who actually takes loans on these platforms, why they are willing to pay higher interest, and how risk-based pricing works in India’s lending ecosystem.\n\n💰 What You’ll Learn in This Clip:\n✅ Who borrows money on P2P platforms\n✅ Why borrowers pay higher interest rates\n✅ Risk-based lending explained simply\n✅ Income profile & credit behaviour of borrowers\n✅ Reality behind 24% return claims\n\n⚠️ High returns are not “free money” — they reflect higher borrower risk and credit gaps in India.\n\n🔔 Subscribe to the main channel for full interviews:\n   /   \n\n🔗 Guest Socials – LenDenClub\n🌐 Website: https://www.lendenclub.com/\n\n📸 Instagram:   / lenden.club  \n\n▶️ YouTube:    /   \n\n💼 LinkedIn:   / lenden-club  \n\n📲 Download App: https://lendenclub.onelink.me/fh0K/9y...\n\n🔗 Guest Socials – Bhavin Patel\n📸 Instagram:   / unfilteredfounder  \n\n💼 LinkedIn:   / bhavinpatel2022  \n\n▶️ YouTube:    /   \n\n📱 Follow Sanjay Kathuria Podcast:\n📸 Instagram:   / sanjaykathuriapodcast  \n\n▶️ YouTube (Main):    /   \n\n▶️ YouTube (Clips):    /   \n\n📘 Facebook:   / sanjaykathuriapodcasts  \n\n🎧 Spotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n📸 Instagram:   / financebysanjay  \n\n📘 Facebook:   / financebysanjay  \n\n💼 LinkedIn:   / sanjaykathuria  \n\n🐦 Twitter:   / sanjaykathuria  \n\n▶️ YouTube:    /   \n\n🎙️ About the Podcast:\nThe Sanjay Kathuria Podcast brings real, practical conversations with experts — helping you understand finance deeply and make smarter investment decisions.\n\n#SanjayKathuriaPodcastClips #P2PLending #InterestRates #PassiveIncome #BhavinPatel #FintechIndia #Investing\n\n🎯 SEO Tags (comma-separated):\n\nSanjay Kathuria Podcast Clips, P2P borrower profile India, P2P lending interest rates India, why borrowers pay high interest India, Bhavin Patel lending insights, peer to peer lending risk India, 24 percent return P2P reality, lending platforms India explained, fintech lending India, passive income India P2P, alternative investments India", "post_id": "bhs6VEnhN-w"}}, {"key": "unfilteredfounder13", "attributes": {"label": "unfilteredfounder13", "x": 104.46023648539004, "y": 535.2670300395594, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.8333, "eigenvector": 4.1943, "in_degree": 5, "out_degree": 0, "degree": 5}, "_id": "bhs6VEnhN-w", "id": "unfilteredfounder13", "source": "youtube-000001", "content": "P2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\n🎧 Watch Full Podcast Here:\n    • P2P Lending : Hidden Risks, Process, & Mis...  \n\nP2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\nIn this insightful clip, Bhavin Patel — Co-founder & CEO of LenDenClub — breaks down the real profile of borrowers on P2P platforms and the truth behind high interest rates like 18–24%.\n\nHe explains who actually takes loans on these platforms, why they are willing to pay higher interest, and how risk-based pricing works in India’s lending ecosystem.\n\n💰 What You’ll Learn in This Clip:\n✅ Who borrows money on P2P platforms\n✅ Why borrowers pay higher interest rates\n✅ Risk-based lending explained simply\n✅ Income profile & credit behaviour of borrowers\n✅ Reality behind 24% return claims\n\n⚠️ High returns are not “free money” — they reflect higher borrower risk and credit gaps in India.\n\n🔔 Subscribe to the main channel for full interviews:\n   /   \n\n🔗 Guest Socials – LenDenClub\n🌐 Website: https://www.lendenclub.com/\n\n📸 Instagram:   / lenden.club  \n\n▶️ YouTube:    /   \n\n💼 LinkedIn:   / lenden-club  \n\n📲 Download App: https://lendenclub.onelink.me/fh0K/9y...\n\n🔗 Guest Socials – Bhavin Patel\n📸 Instagram:   / unfilteredfounder  \n\n💼 LinkedIn:   / bhavinpatel2022  \n\n▶️ YouTube:    /   \n\n📱 Follow Sanjay Kathuria Podcast:\n📸 Instagram:   / sanjaykathuriapodcast  \n\n▶️ YouTube (Main):    /   \n\n▶️ YouTube (Clips):    /   \n\n📘 Facebook:   / sanjaykathuriapodcasts  \n\n🎧 Spotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n📸 Instagram:   / financebysanjay  \n\n📘 Facebook:   / financebysanjay  \n\n💼 LinkedIn:   / sanjaykathuria  \n\n🐦 Twitter:   / sanjaykathuria  \n\n▶️ YouTube:    /   \n\n🎙️ About the Podcast:\nThe Sanjay Kathuria Podcast brings real, practical conversations with experts — helping you understand finance deeply and make smarter investment decisions.\n\n#SanjayKathuriaPodcastClips #P2PLending #InterestRates #PassiveIncome #BhavinPatel #FintechIndia #Investing\n\n🎯 SEO Tags (comma-separated):\n\nSanjay Kathuria Podcast Clips, P2P borrower profile India, P2P lending interest rates India, why borrowers pay high interest India, Bhavin Patel lending insights, peer to peer lending risk India, 24 percent return P2P reality, lending platforms India explained, fintech lending India, passive income India P2P, alternative investments India", "post_id": "bhs6VEnhN-w"}}, {"key": "sanjaykathuriapodcastclips", "attributes": {"label": "sanjaykathuriapodcastclips", "x": 428.8714832201899, "y": 380.3583023204008, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.8333, "eigenvector": 4.1943, "in_degree": 5, "out_degree": 0, "degree": 5}, "_id": "bhs6VEnhN-w", "id": "sanjaykathuriapodcastclips", "source": "youtube-000001", "content": "P2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\n🎧 Watch Full Podcast Here:\n    • P2P Lending : Hidden Risks, Process, & Mis...  \n\nP2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\nIn this insightful clip, Bhavin Patel — Co-founder & CEO of LenDenClub — breaks down the real profile of borrowers on P2P platforms and the truth behind high interest rates like 18–24%.\n\nHe explains who actually takes loans on these platforms, why they are willing to pay higher interest, and how risk-based pricing works in India’s lending ecosystem.\n\n💰 What You’ll Learn in This Clip:\n✅ Who borrows money on P2P platforms\n✅ Why borrowers pay higher interest rates\n✅ Risk-based lending explained simply\n✅ Income profile & credit behaviour of borrowers\n✅ Reality behind 24% return claims\n\n⚠️ High returns are not “free money” — they reflect higher borrower risk and credit gaps in India.\n\n🔔 Subscribe to the main channel for full interviews:\n   /   \n\n🔗 Guest Socials – LenDenClub\n🌐 Website: https://www.lendenclub.com/\n\n📸 Instagram:   / lenden.club  \n\n▶️ YouTube:    /   \n\n💼 LinkedIn:   / lenden-club  \n\n📲 Download App: https://lendenclub.onelink.me/fh0K/9y...\n\n🔗 Guest Socials – Bhavin Patel\n📸 Instagram:   / unfilteredfounder  \n\n💼 LinkedIn:   / bhavinpatel2022  \n\n▶️ YouTube:    /   \n\n📱 Follow Sanjay Kathuria Podcast:\n📸 Instagram:   / sanjaykathuriapodcast  \n\n▶️ YouTube (Main):    /   \n\n▶️ YouTube (Clips):    /   \n\n📘 Facebook:   / sanjaykathuriapodcasts  \n\n🎧 Spotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n📸 Instagram:   / financebysanjay  \n\n📘 Facebook:   / financebysanjay  \n\n💼 LinkedIn:   / sanjaykathuria  \n\n🐦 Twitter:   / sanjaykathuria  \n\n▶️ YouTube:    /   \n\n🎙️ About the Podcast:\nThe Sanjay Kathuria Podcast brings real, practical conversations with experts — helping you understand finance deeply and make smarter investment decisions.\n\n#SanjayKathuriaPodcastClips #P2PLending #InterestRates #PassiveIncome #BhavinPatel #FintechIndia #Investing\n\n🎯 SEO Tags (comma-separated):\n\nSanjay Kathuria Podcast Clips, P2P borrower profile India, P2P lending interest rates India, why borrowers pay high interest India, Bhavin Patel lending insights, peer to peer lending risk India, 24 percent return P2P reality, lending platforms India explained, fintech lending India, passive income India P2P, alternative investments India", "post_id": "bhs6VEnhN-w"}}, {"key": "sanjay_kathuria", "attributes": {"label": "sanjay_kathuria", "x": 776.7215127812199, "y": 459.16007767844866, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 5.8333, "eigenvector": 4.1943, "in_degree": 5, "out_degree": 0, "degree": 5}, "_id": "bhs6VEnhN-w", "id": "sanjay_kathuria", "source": "youtube-000001", "content": "P2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\n🎧 Watch Full Podcast Here:\n    • P2P Lending : Hidden Risks, Process, & Mis...  \n\nP2P Borrower Profiles & Interest Rate Reality | Ft. Bhavin Patel | Sanjay Kathuria Podcast Clips\n\nIn this insightful clip, Bhavin Patel — Co-founder & CEO of LenDenClub — breaks down the real profile of borrowers on P2P platforms and the truth behind high interest rates like 18–24%.\n\nHe explains who actually takes loans on these platforms, why they are willing to pay higher interest, and how risk-based pricing works in India’s lending ecosystem.\n\n💰 What You’ll Learn in This Clip:\n✅ Who borrows money on P2P platforms\n✅ Why borrowers pay higher interest rates\n✅ Risk-based lending explained simply\n✅ Income profile & credit behaviour of borrowers\n✅ Reality behind 24% return claims\n\n⚠️ High returns are not “free money” — they reflect higher borrower risk and credit gaps in India.\n\n🔔 Subscribe to the main channel for full interviews:\n   /   \n\n🔗 Guest Socials – LenDenClub\n🌐 Website: https://www.lendenclub.com/\n\n📸 Instagram:   / lenden.club  \n\n▶️ YouTube:    /   \n\n💼 LinkedIn:   / lenden-club  \n\n📲 Download App: https://lendenclub.onelink.me/fh0K/9y...\n\n🔗 Guest Socials – Bhavin Patel\n📸 Instagram:   / unfilteredfounder  \n\n💼 LinkedIn:   / bhavinpatel2022  \n\n▶️ YouTube:    /   \n\n📱 Follow Sanjay Kathuria Podcast:\n📸 Instagram:   / sanjaykathuriapodcast  \n\n▶️ YouTube (Main):    /   \n\n▶️ YouTube (Clips):    /   \n\n📘 Facebook:   / sanjaykathuriapodcasts  \n\n🎧 Spotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n📸 Instagram:   / financebysanjay  \n\n📘 Facebook:   / financebysanjay  \n\n💼 LinkedIn:   / sanjaykathuria  \n\n🐦 Twitter:   / sanjaykathuria  \n\n▶️ YouTube:    /   \n\n🎙️ About the Podcast:\nThe Sanjay Kathuria Podcast brings real, practical conversations with experts — helping you understand finance deeply and make smarter investment decisions.\n\n#SanjayKathuriaPodcastClips #P2PLending #InterestRates #PassiveIncome #BhavinPatel #FintechIndia #Investing\n\n🎯 SEO Tags (comma-separated):\n\nSanjay Kathuria Podcast Clips, P2P borrower profile India, P2P lending interest rates India, why borrowers pay high interest India, Bhavin Patel lending insights, peer to peer lending risk India, 24 percent return P2P reality, lending platforms India explained, fintech lending India, passive income India P2P, alternative investments India", "post_id": "bhs6VEnhN-w"}}, {"key": "@Baypayforum", "attributes": {"label": "@Baypayforum", "x": 158.4753712071113, "y": 450.6319679862556, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "KlvDJ1PtRdk", "id": "@Baypayforum", "source": "youtube-000001", "content": "April 14,  2026 - News in Payments & Fintech from The BayPay Forum\n\nStrategic Insight: The \"Agentic Rails\" Infrastructure\n\nToday's news highlights a massive shift in the \"Level 2\" plumbing of the financial system—moving from human-centered interfaces to machine-to-machine (M2M) commerce. This is the perfect lead-in to your upcoming BayPay Forum episode on April 22nd:\nUnifying the Agent Economy (#Alchemy, #Gr4vy, #Amex): We are seeing the first real attempt to solve the \"Interoperability Crisis\" for AI agents. Alchemy’s AgentPay acts as a universal translator, allowing an AI agent on one protocol (like Coinbase) to pay a merchant on another (like Stripe or Visa) without friction. Simultaneously, Gr4vy and Amex have both launched Agentic Development Kits (ADK), providing merchants with the standardized code needed to turn their websites into \"Agent-Friendly\" storefronts that can handle autonomous checkouts.\n\nThe \"Boardroom\" AI (#Lloyds_Banking_Group): In a historic governance shift, Lloyds has reportedly integrated an AI agent into its executive boardroom processes. This agent isn't just a scribe; it has been granted read-access to real-time risk and liquidity data to provide counter-arguments to human executive proposals—a move that regulators are watching closely for its impact on fiduciary duty.\nJapan’s Institutional Reclassification (#FSA): Japan has officially approved a bill reclassifying crypto assets as \"Financial Instruments\" under the Financial Instruments and Exchange Act. This moves crypto out of the \"payment method\" category and into the same regulatory league as stocks and bonds. This is a massive \"Level 2\" development, as it opens the door for Japanese pension funds and traditional brokers to offer crypto-linked products legally.\n\nThe B2B BNPL Correction (#Hokodo): Despite raising $177 million, Hokodo’s shutdown serves as a cautionary tale for the \"Level 2\" lending space. The founders cited \"product complexity\" and a failure to narrow their focus in a tightening credit market. This suggests that the next phase of stablecoin-based financial products (which you'll discuss on the 22nd) must prioritize simplicity and automated risk management to avoid similar pitfalls.\nCompanies and topics covered in the news today:\n\n#Grab, #BayPayForum, #Gr4vy, #DWTC, #Wio_Bank, #Monzo, #ClearScore, #TransferMate, #Cadana, #Alchemy, #Lloyds_Banking_Group, #Deutsche_Börse, #Kraken, #FCA, #Ralio, #Amex, #Hokodo, #FSA.\n\nThis edition summarizes the news in Payments and Fintech for April 14,  2026\n\nDon't miss out, subscribe to our Youtube channel at    /    #payments #fintech #baypayforum #paykademy \n\nThis episode is sponsored by PayKademy, the first business academy to learn Payments and Fintech at paykademy.com at your own pace when you want. \n\nThis is the video version of the newsletter we send by email every day. We hope you enjoyed it and see you tomorrow for our next edition or on our website at baypayforum.com. You can read the details of the news at https://www.baypayforum.com/our-podca....", "post_id": "KlvDJ1PtRdk"}}, {"key": "baypayforum", "attributes": {"label": "baypayforum", "x": 194.9604360822964, "y": 493.63297279548743, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "KlvDJ1PtRdk", "id": "baypayforum", "source": "youtube-000001", "content": "April 14,  2026 - News in Payments & Fintech from The BayPay Forum\n\nStrategic Insight: The \"Agentic Rails\" Infrastructure\n\nToday's news highlights a massive shift in the \"Level 2\" plumbing of the financial system—moving from human-centered interfaces to machine-to-machine (M2M) commerce. This is the perfect lead-in to your upcoming BayPay Forum episode on April 22nd:\nUnifying the Agent Economy (#Alchemy, #Gr4vy, #Amex): We are seeing the first real attempt to solve the \"Interoperability Crisis\" for AI agents. Alchemy’s AgentPay acts as a universal translator, allowing an AI agent on one protocol (like Coinbase) to pay a merchant on another (like Stripe or Visa) without friction. Simultaneously, Gr4vy and Amex have both launched Agentic Development Kits (ADK), providing merchants with the standardized code needed to turn their websites into \"Agent-Friendly\" storefronts that can handle autonomous checkouts.\n\nThe \"Boardroom\" AI (#Lloyds_Banking_Group): In a historic governance shift, Lloyds has reportedly integrated an AI agent into its executive boardroom processes. This agent isn't just a scribe; it has been granted read-access to real-time risk and liquidity data to provide counter-arguments to human executive proposals—a move that regulators are watching closely for its impact on fiduciary duty.\nJapan’s Institutional Reclassification (#FSA): Japan has officially approved a bill reclassifying crypto assets as \"Financial Instruments\" under the Financial Instruments and Exchange Act. This moves crypto out of the \"payment method\" category and into the same regulatory league as stocks and bonds. This is a massive \"Level 2\" development, as it opens the door for Japanese pension funds and traditional brokers to offer crypto-linked products legally.\n\nThe B2B BNPL Correction (#Hokodo): Despite raising $177 million, Hokodo’s shutdown serves as a cautionary tale for the \"Level 2\" lending space. The founders cited \"product complexity\" and a failure to narrow their focus in a tightening credit market. This suggests that the next phase of stablecoin-based financial products (which you'll discuss on the 22nd) must prioritize simplicity and automated risk management to avoid similar pitfalls.\nCompanies and topics covered in the news today:\n\n#Grab, #BayPayForum, #Gr4vy, #DWTC, #Wio_Bank, #Monzo, #ClearScore, #TransferMate, #Cadana, #Alchemy, #Lloyds_Banking_Group, #Deutsche_Börse, #Kraken, #FCA, #Ralio, #Amex, #Hokodo, #FSA.\n\nThis edition summarizes the news in Payments and Fintech for April 14,  2026\n\nDon't miss out, subscribe to our Youtube channel at    /    #payments #fintech #baypayforum #paykademy \n\nThis episode is sponsored by PayKademy, the first business academy to learn Payments and Fintech at paykademy.com at your own pace when you want. \n\nThis is the video version of the newsletter we send by email every day. We hope you enjoyed it and see you tomorrow for our next edition or on our website at baypayforum.com. You can read the details of the news at https://www.baypayforum.com/our-podca....", "post_id": "KlvDJ1PtRdk"}}, {"key": "@SanjayKathuriaPodcast", "attributes": {"label": "@SanjayKathuriaPodcast", "x": 594.3390523677597, "y": 73.61718802185513, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 4.1943, "in_degree": 0, "out_degree": 6, "degree": 6}, "_id": "yl3BfP6Q8SA", "id": "@SanjayKathuriaPodcast", "source": "youtube-000001", "content": "P2P Lending : Hidden Risks, Process, & Mistakes | Ft. Bhavin Patel | Sanjay Kathuria Podcast\n\nP2P Lending : Hidden Risks, Process, & Mistakes | Ft. Bhavin Patel | Sanjay Kathuria Podcast\n\nIn this episode of the Sanjay Kathuria Podcast, we host Bhavin Patel, Co-founder & CEO of LenDenClub, one of India’s largest RBI-registered NBFC-P2P lending platforms with over 3 crore+ users and ₹18,000+ crore loans facilitated .\n\nWith 13+ years of experience in lending, fintech, and NBFC space, Bhavin shares a complete P2P lending masterclass — explaining how individuals can earn passive income by lending money and how India’s lending ecosystem actually works.\n\nIn this deep-dive conversation, we break down how P2P lending platforms function under RBI regulations, how borrowers are evaluated, real returns vs risks, default scenarios, diversification strategies, and common mistakes investors make. If you’re looking for alternative investments beyond mutual funds and fixed deposits, this episode gives you a complete roadmap.\n\n📘 What You’ll Learn\n\n✅ What P2P lending is and how it works\n✅ How people earn up to 24% returns\n✅ Why 96% Indians don’t get bank loans\n✅ How RBI regulates P2P platforms\n✅ How to assess borrowers before lending\n✅ Diversification strategy to reduce risk\n✅ What happens when borrowers default\n✅ Common mistakes P2P investors make\n✅ How to choose the right P2P platform\n✅ Corporate bonds vs P2P lending\n\n⏱️ Timestamps\n\n00:00 – Podcast Teaser\n01:40 – Guest Intro - Bhavin Patel\n04:16 – What is P2P Lending?\n05:11 – How RBI Regulates P2P Platforms\n06:27 – Average Returns in P2P Lending\n06:55 – How Money Flows in Lending\n09:06 – Is 24% Return Feasible?\n09:22 – India’s Lending Ecosystem Explained\n10:41 – Why 96% Indians Don’t Get Bank Loans\n12:41 – Why RBI Created NBFC-P2P Category\n13:27 – Who Borrows on LenDenClub\n15:48 – Borrower Income Profile\n17:46 – Is 24% Expensive for Borrowers?\n19:11 – Small Ticket Digital Loans Explained\n21:11 – Borrower Risk Assessment\n23:48 – Live Demo of Lending Platform\n26:10 – Minimum Lending Amount\n26:23 – Case Study: ₹75,000 Lending Failure\n28:41 – ₹1 Lakh Diversification Strategy\n31:47 – Step-by-Step Lending Process\n35:35 – Repayment & Escrow System\n36:47 – Legal Aspects of Lending\n38:36 – What Happens in Default Cases\n40:10 – Lending to Known People on Platform\n42:26 – Why No Default Guarantee Fund\n43:44 – Top 3 Mistakes in P2P Lending\n47:57 – How to Choose Right Platform\n52:10 – What if Platform Shuts Down\n54:00 – Minimum Loans for Diversification\n55:58 – Corporate Bonds vs P2P\n58:47 – History of P2P Lending in India\n01:00:43 – ALM Mismatch Explained\n01:05:00 – New 2024 Regulations Explained\n01:06:44 – Bhavin Patel’s Journey\n01:08:42 – Insights About Indian Borrowers\n01:14:12 – Minimum Loans Rule Explained\n01:15:04 – Why RBI Doesn’t Promote P2P\n01:17:38 – Does P2P Affect Bank Account?\n01:19:05 – Episode Outro\n\n🔗 Guest Socials\n\nCheck out LenDenClub:\n\nWebsite - https://www.lendenclub.com/\nInstagram- instagram.com/lenden.club \nYoutube-    /    \nLinkedIn- in.linkedin.com/company/lenden-club\nDownload the LenDenClub App: https://lendenclub.onelink.me/fh0K/9y... \n\nCheck out Bhavin Patel:\n\nInstagram-   / unfilteredfounder   \nLinkedIn - in.linkedin.com/in/bhavinpatel2022\nYoutube-    /   \n\n📲 Sanjay Kathuria Podcast Handles\n\nInstagram:   / sanjaykathuriapodcast  \nYouTube (Main):    /   \nYouTube (Clips):    /   \nFacebook:   / sanjaykathuriapodcasts  \nSpotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n\nInstagram:   / financebysanjay  \nFacebook:   / financebysanjay  \nLinkedIn:   / sanjaykathuria  \nTwitter:   / sanjaykathuria  \nYouTube:    /   \n\n🧵 Hashtags\n\n#BhavinPatel #P2PLending #PassiveIncomeIndia #FintechIndia #LendingBusiness #WealthCreation #AlternativeInvestment #SanjayKathuriaPodcast\n\n🔍 SEO Tags\n\nbhavin patel podcast, lendenclub india, p2p lending india explained, peer to peer lending returns india, passive income through lending india, p2p lending risks india, rbi regulated p2p platforms india, how to earn 24 percent returns india, lending as investment india, borrower risk assessment india, corporate bonds vs p2p india, alternative investment india, fintech lending india, sanjay kathuria podcast, finance podcast india\n\n📬 Want to Come on Our Podcast :\nEmail Us : Sanjaykathuriapodcast\n\n📚 About the Podcast\n\nThe Sanjay Kathuria Podcast brings you India’s top investors, entrepreneurs, and wealth creators. Learn how the top 1% manage and multiply money in simple, actionable ways.\n\n📌 Subscribe now for weekly episodes:\n   /", "post_id": "yl3BfP6Q8SA"}}, {"key": "@Sanjay_Kathuria", "attributes": {"label": "@Sanjay_Kathuria", "x": 706.3641669217402, "y": 850.3944209642176, "size": 3.21, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 4.1943, "in_degree": 0, "out_degree": 6, "degree": 6}, "_id": "zU-CGHGSYJo", "id": "@Sanjay_Kathuria", "source": "youtube-000001", "content": "P2P Lending : Hidden Risks, Process, & Mistakes | Ft. Bhavin Patel | Sanjay Kathuria Podcast\n\nP2P Lending : Hidden Risks, Process, & Mistakes | Ft. Bhavin Patel | Sanjay Kathuria Podcast\n\nIn this episode of the Sanjay Kathuria Podcast, we host Bhavin Patel, Co-founder & CEO of LenDenClub, one of India’s largest RBI-registered NBFC-P2P lending platforms with over 3 crore+ users and ₹18,000+ crore loans facilitated .\n\nWith 13+ years of experience in lending, fintech, and NBFC space, Bhavin shares a complete P2P lending masterclass — explaining how individuals can earn passive income by lending money and how India’s lending ecosystem actually works.\n\nIn this deep-dive conversation, we break down how P2P lending platforms function under RBI regulations, how borrowers are evaluated, real returns vs risks, default scenarios, diversification strategies, and common mistakes investors make. If you’re looking for alternative investments beyond mutual funds and fixed deposits, this episode gives you a complete roadmap.\n\n📘 What You’ll Learn\n\n✅ What P2P lending is and how it works\n✅ How people earn up to 24% returns\n✅ Why 96% Indians don’t get bank loans\n✅ How RBI regulates P2P platforms\n✅ How to assess borrowers before lending\n✅ Diversification strategy to reduce risk\n✅ What happens when borrowers default\n✅ Common mistakes P2P investors make\n✅ How to choose the right P2P platform\n✅ Corporate bonds vs P2P lending\n\n⏱️ Timestamps\n\n00:00 – Podcast Teaser\n01:40 – Guest Intro - Bhavin Patel\n04:16 – What is P2P Lending?\n05:11 – How RBI Regulates P2P Platforms\n06:27 – Average Returns in P2P Lending\n06:55 – How Money Flows in Lending\n09:06 – Is 24% Return Feasible?\n09:22 – India’s Lending Ecosystem Explained\n10:41 – Why 96% Indians Don’t Get Bank Loans\n12:41 – Why RBI Created NBFC-P2P Category\n13:27 – Who Borrows on LenDenClub\n15:48 – Borrower Income Profile\n17:46 – Is 24% Expensive for Borrowers?\n19:11 – Small Ticket Digital Loans Explained\n21:11 – Borrower Risk Assessment\n23:48 – Live Demo of Lending Platform\n26:10 – Minimum Lending Amount\n26:23 – Case Study: ₹75,000 Lending Failure\n28:41 – ₹1 Lakh Diversification Strategy\n31:47 – Step-by-Step Lending Process\n35:35 – Repayment & Escrow System\n36:47 – Legal Aspects of Lending\n38:36 – What Happens in Default Cases\n40:10 – Lending to Known People on Platform\n42:26 – Why No Default Guarantee Fund\n43:44 – Top 3 Mistakes in P2P Lending\n47:57 – How to Choose Right Platform\n52:10 – What if Platform Shuts Down\n54:00 – Minimum Loans for Diversification\n55:58 – Corporate Bonds vs P2P\n58:47 – History of P2P Lending in India\n01:00:43 – ALM Mismatch Explained\n01:05:00 – New 2024 Regulations Explained\n01:06:44 – Bhavin Patel’s Journey\n01:08:42 – Insights About Indian Borrowers\n01:14:12 – Minimum Loans Rule Explained\n01:15:04 – Why RBI Doesn’t Promote P2P\n01:17:38 – Does P2P Affect Bank Account?\n01:19:05 – Episode Outro\n\n🔗 Guest Socials\n\nCheck out LenDenClub:\n\nWebsite - https://www.lendenclub.com/\nInstagram- instagram.com/lenden.club \nYoutube-    /    \nLinkedIn- in.linkedin.com/company/lenden-club\nDownload the LenDenClub App: https://lendenclub.onelink.me/fh0K/9y... \n\nCheck out Bhavin Patel:\n\nInstagram-   / unfilteredfounder   \nLinkedIn - in.linkedin.com/in/bhavinpatel2022\nYoutube-    /   \n\n📲 Sanjay Kathuria Podcast Handles\n\nInstagram:   / sanjaykathuriapodcast  \nYouTube (Main):    /   \nYouTube (Clips):    /   \nFacebook:   / sanjaykathuriapodcasts  \nSpotify: https://open.spotify.com/show/1VDdqFL...\n\n🙋‍♂️ Connect with Sanjay Kathuria:\n\nInstagram:   / financebysanjay  \nFacebook:   / financebysanjay  \nLinkedIn:   / sanjaykathuria  \nTwitter:   / sanjaykathuria  \nYouTube:    /   \n\n🧵 Hashtags\n\n#BhavinPatel #P2PLending #PassiveIncomeIndia #FintechIndia #LendingBusiness #WealthCreation #AlternativeInvestment #SanjayKathuriaPodcast\n\n🔍 SEO Tags\n\nbhavin patel podcast, lendenclub india, p2p lending india explained, peer to peer lending returns india, passive income through lending india, p2p lending risks india, rbi regulated p2p platforms india, how to earn 24 percent returns india, lending as investment india, borrower risk assessment india, corporate bonds vs p2p india, alternative investment india, fintech lending india, sanjay kathuria podcast, finance podcast india\n\n📬 Want to Come on Our Podcast :\nEmail Us : Sanjaykathuriapodcast\n\n📚 About the Podcast\n\nThe Sanjay Kathuria Podcast brings you India’s top investors, entrepreneurs, and wealth creators. Learn how the top 1% manage and multiply money in simple, actionable ways.\n\n📌 Subscribe now for weekly episodes:\n   /", "post_id": "zU-CGHGSYJo"}}, {"key": "@tempovideochannel", "attributes": {"label": "@tempovideochannel", "x": 988.09039239026, "y": 788.2013004140346, "size": 3.0, "color": "#3EC764", "sentiment": "positif", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "zom38A2MvBA", "id": "@tempovideochannel", "source": "youtube-000001", "content": "Kementerian Keuangan Bilang Purbaya dalam Kondisi Sehat\n\nKementerian Keuangan memastikan Menteri Purbaya Yudhi Sadewa saat ini dalam kondisi sehat. “Beliau sehat-sehat saja,” kata Kepala Biro Komunikasi dan Layanan Informasi Kemenkeu Deni Surjantoro saat dikonfirmasi pada Ahad, 3 Mei 2026, sebagaimana dilansir dari Antara.\n\nSebelumnya, beredar isu mengenai Purbaya yang diduga sedang menjalani perawatan di suatu rumah sakit di Jakarta. Di tengah isu itu, Purbaya membagikan video dirinya melakukan aktivitas olahraga renang, mengindikasikan bahwa dia dalam kondisi bugar.\n\nDalam video yang diunggah di akun pribadi media sosialnya itu, dia mengajak masyarakat, khususnya generasi muda, untuk menjalani gaya hidup sehat.\n“Selamat pagi Guys. Gen Z jangan lupa olahraga, renang bisa, lari boleh, padel juga bisa. Kalo saya biasanya renang sih. Gak berasa 'long weekendnya',” tulis Purbaya, dikutip dari akun TikTok pribadinya \n\nWakil Menteri Keuangan Juda Agung juga telah menanggapi kabar soal kesehatan Purbaya. “Wah enggak tahu saya. Insyaallah sehat. Doakan saja,” ujar Juda saat ditemui usai menghadiri acara Himpunan Alumni IPB di Jakarta, Sabtu kemarin.\n\nJuda juga memastikan konferensi pers APBN KiTa tetap akan digelar pada Rabu pekan depan setelah sebelumnya dibatalkan. Agenda APBN KiTa semula dijadwalkan berlangsung pada Rabu lalu. Menurut dia, penjadwalan ulang dilakukan untuk menunggu rilis data pertumbuhan ekonomi oleh Badan Pusat Statistik (BPS) yang terbit pada Selasa, 5 Mei 2026, sehingga data dapat disampaikan secara utuh.\n\nPurbaya sebelumnya sempat mengungkapkan kondisi kesehatannya saat menghadiri taklimat media pada Jumat, 24 April 2026. Ia mengaku mengalami sakit pada bagian pinggang dan harus menjalani suntikan di delapan titik agar tetap dapat menjalankan aktivitas.\n\nUsai acara tersebut, Purbaya juga tampak kesulitan berdiri dari kursinya hingga harus berpegangan kepada salah satu rekannya. Saat berjalan pun, ia terlihat dibantu ajudannya. Ketika ditanya wartawan mengenai kondisinya saat itu, Purbaya mengakui rasa sakit yang dialaminya belum sepenuhnya hilang.\n\n\n\n\nFoto: tempo.co\nVideo: Tiktok/\nEditor: Ridian Eka Saputra", "post_id": "zom38A2MvBA"}}, {"key": "@MajlisMarketspod", "attributes": {"label": "@MajlisMarketspod", "x": 935.3297825207917, "y": 833.1599225626171, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "U7aCKk51Q_o", "id": "@MajlisMarketspod", "source": "youtube-000001", "content": "Can Iraq Go Digital? The Reality of Banking Trust\n\nIs Iraq ready for a cashless economy, or is the \"Culture of Withdrawal\" here to stay? 📉🇮🇶\n\nIn this highlight from Episode 90 of Majlis & Markets, we sit down with ‪‬, (Co-founder of ‪‬ ), to discuss the friction between Iraq’s rapid digital transformation and the historic lack of trust in banks and financial institutions.\n\n📺 WATCH THE FULL EPISODE:\n[   • Building the \"Bloomberg of Iraq\" with Jame...  ]\n\n🎧 LISTEN TO THE FULL PODCAST:\n[https://majlisandmarkets.buzzsprout.c...]\n\nIn this clip:\n\n🏦 The Quality Gap: Why infrastructure is the primary barrier to adoption.\n💳 The Fed’s Influence: How international pressure is driving transparency.\n🚀 Building the Ecosystem: The rise of BNPL and e-commerce in Baghdad.\n🏛️ A History of Failures: Why past bank bankruptcies still dictate consumer behaviour.\n\n🌐 The Majlis & Markets Ecosystem\n🔹 X: https://x.com/MajlisMarkets\n🔹 TikTok:   / majlis.markets  \n🔹 LinkedIn: Majlis & Markets\n🔹 Instagram:   / majlismarkets  \n\n#iraqeconomy  #digitalpayments  #majlisandmarkets  #tajarib  #FintechIraq #BaghdadBusiness #BankingTrust #JameelAmir #MiddleEastFinance #CashlessIraq", "post_id": "U7aCKk51Q_o"}}, {"key": "jameelamir3774", "attributes": {"label": "jameelamir3774", "x": 447.5604069318555, "y": 374.1417117983109, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["youtube-000001"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "U7aCKk51Q_o", "id": "jameelamir3774", "source": "youtube-000001", "content": "Can Iraq Go Digital? The Reality of Banking Trust\n\nIs Iraq ready for a cashless economy, or is the \"Culture of Withdrawal\" here to stay? 📉🇮🇶\n\nIn this highlight from Episode 90 of Majlis & Markets, we sit down with ‪‬, (Co-founder of ‪‬ ), to discuss the friction between Iraq’s rapid digital transformation and the historic lack of trust in banks and financial institutions.\n\n📺 WATCH THE FULL EPISODE:\n[   • Building the \"Bloomberg of Iraq\" with Jame...  ]\n\n🎧 LISTEN TO THE FULL PODCAST:\n[https://majlisandmarkets.buzzsprout.c...]\n\nIn this clip:\n\n🏦 The Quality Gap: Why infrastructure is the primary barrier to adoption.\n💳 The Fed’s Influence: How international pressure is driving transparency.\n🚀 Building the Ecosystem: The rise of BNPL and e-commerce in Baghdad.\n🏛️ A History of Failures: Why past bank bankruptcies still dictate consumer behaviour.\n\n🌐 The Majlis & Markets Ecosystem\n🔹 X: https://x.com/MajlisMarkets\n🔹 TikTok:   / majlis.markets  \n🔹 LinkedIn: Majlis & Markets\n🔹 Instagram:   / majlismarkets  \n\n#iraqeconomy  #digitalpayments  #majlisandmarkets  #tajarib  #FintechIraq #BaghdadBusiness #BankingTrust #JameelAmir #MiddleEastFinance #CashlessIraq", "post_id": "U7aCKk51Q_o"}}, {"key": "TajaribPodcast", "attributes": {"label": "TajaribPodcast", "x": 409.4562737823153, "y": 539.5975283821845, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["youtube-000001"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "U7aCKk51Q_o", "id": "TajaribPodcast", "source": "youtube-000001", "content": "Can Iraq Go Digital? The Reality of Banking Trust\n\nIs Iraq ready for a cashless economy, or is the \"Culture of Withdrawal\" here to stay? 📉🇮🇶\n\nIn this highlight from Episode 90 of Majlis & Markets, we sit down with ‪‬, (Co-founder of ‪‬ ), to discuss the friction between Iraq’s rapid digital transformation and the historic lack of trust in banks and financial institutions.\n\n📺 WATCH THE FULL EPISODE:\n[   • Building the \"Bloomberg of Iraq\" with Jame...  ]\n\n🎧 LISTEN TO THE FULL PODCAST:\n[https://majlisandmarkets.buzzsprout.c...]\n\nIn this clip:\n\n🏦 The Quality Gap: Why infrastructure is the primary barrier to adoption.\n💳 The Fed’s Influence: How international pressure is driving transparency.\n🚀 Building the Ecosystem: The rise of BNPL and e-commerce in Baghdad.\n🏛️ A History of Failures: Why past bank bankruptcies still dictate consumer behaviour.\n\n🌐 The Majlis & Markets Ecosystem\n🔹 X: https://x.com/MajlisMarkets\n🔹 TikTok:   / majlis.markets  \n🔹 LinkedIn: Majlis & Markets\n🔹 Instagram:   / majlismarkets  \n\n#iraqeconomy  #digitalpayments  #majlisandmarkets  #tajarib  #FintechIraq #BaghdadBusiness #BankingTrust #JameelAmir #MiddleEastFinance #CashlessIraq", "post_id": "U7aCKk51Q_o"}}, {"key": "@Vestogram", "attributes": {"label": "@Vestogram", "x": 996.556815522296, "y": 86.61926609065962, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 2, "degree": 2}, "_id": "Kv7A3E-dB3g", "id": "@Vestogram", "source": "youtube-000001", "content": "OnEMI IPO Review 2026 🔥 | Apply or Avoid? Full Analysis | GMP, Price, Risk | Kissht IPO\n\nOnEMI IPO Review 2026 🔥 | Apply or Avoid? Full Analysis | GMP, Price, Risk | Kissht IPO\n\nnEMI Technology Solutions IPO (Kissht IPO) is one of the most talked-about fintech IPOs of 2026. In this video, we cover complete details including IPO price band, GMP, financials, risks, and whether you should apply or avoid.\n\n👉 IPO opens: 30 April 2026\n👉 IPO closes: 5 May 2026\n👉 Price band: ₹162 – ₹171\n👉 Issue size: ₹925+ crore\n      Price band: ₹162 to ₹171\nIssue size: ₹925 crore ke aas paas\nIPO dates: 30 April – 5 May\n\nStrengths: \n✔️ Huge user base (6 crore+)\n✔️ Asset-light model\n✔️ Strong brand – Kissht\n\nIndustry Risk:\n“Fintech lending ek risky business hai…\nRegulation change hua → direct impact\nDefault badha → profit khatam”\n\nCompany Risk:\n❌ 94% loan book unsecured\n❌ Financials inconsistent\n❌ High dependency on lending partners\n\n“Ye company scale pe strong hai – aur future growth potential hai.”\n\nThe company operates a digital lending platform with over 6.3 crore users, making it a strong player in India’s fintech space.\n\n⚠️ Fintech lending sector risky है\n\n📊 GMP today: ~₹6–₹7 (approx 4% listing gain expected)\n\n👉 Final Verdict: Neutral – Risky IPO, only high-risk investors consider\n\nDosto, OnEMI IPO aa chuka hai – aur ye 2026 ka ek trending fintech IPO hai…\nलेकिन सवाल वही है – APPLY kare ya AVOID? 🤔\nIs video me mai aapko pura breakdown dunga – bina bakwaas, sirf facts!”\n\nKeywords : \nOnEMI IPO 2026, OnEMI Technology IPO review, OnEMI IPO details, IPO 2026 India, upcoming IPO India 2026, fintech IPO India, IPO investment guide, OnEMI IPO price band, IPO lot size India, retail investment IPO, NSE BSE IPO listing, IPO analysis Hindi, stock market IPO news, IPO review India Hindi, best IPO 2026, should you invest IPO, digital lending India, EMI finance company IPO, IPO risk analysis, IPO explained for beginners, share market India IPO, On Emi Technology IPO Review, Kissht IPO Review, Jayesh Khatri, Knowledge Jazz, Anil Singhvi, On Emi ipo review, OnEmi IPO Review, Kissht IPO GMP, OnEmi IPO GMP, Kissht IPO Anchor list, OnEmi IPO anchor List, #sharemarket, #ipo, #Gmp, #ipolatestupdates, OnEMI IPO, Kissht ipo, Loan app ipo, Digital lending ipo, OnEMI IPO REVIEW, Kissht ipo review, OnEMI technology ipo review, OnEMI technology, OnEMI IPO GMP today, One emi ipo, On emi ipo, omEMI technology limited IPO, omEMI technology ipo, omEMI ipo review, ipo review, ipo 2026, latest ipo, Indian stock market, ipo, Finance teacher 01, kissat IPO, kissht ipo review, kissht ipo, kissht ipo news, kissht ipo gmp, on emi ipo review, onemi ipo review, kissht ipo latest news, kissht ipo apply or not, kissht ipo details, kissht ipo analysis, kissht ipo gmp today, kissht ipo apply or avoid, kissht ipo price band, kissht ipo jaysh khatri, kissht loan app ipo, kissht technology ipo, onemi technology ipo review, onemi technology solutions ipo review, onemi technology solutions ipo, onemi technology solutions ipo details, Finance With Ajay, gmp, onemi ipo, OnEMI Technology IPO, OnEMI Technology IPO Review, OnEMI IPO GMP, OnEMI IPO GMP Today, New IPO to Apply, onemi ipo news, onemi ipo date, onemi technology onemi ipo apply or not, onemi technology ipo gmp, ipo upcoming, Onemi ipo kaisa hai, ajay singh rathore, onemi technology ipo, onemi technology ipo date, onemi technology ipo news, onemi technology ipo size, onemi technology ipo tamil, onemi technology ipo update, onemi technology ipo listing, onemi technology ipo confirm, onemi technology ipo gmp today, onemi technology ipo apply or not, onemi technology ipo tamil review, onemi technology ipo review hindi, latest ipo gmp, ipo gmp today,  Upcoming IPO’s In May 2026, Upcoming IPO In May, Knowledge jazz,  OnEMI IPO Details, Kissht IPO Details, \n\n#onemiipo #kisshtipo #kisshtapploan #ipo2026 #iporeview #ipo #sharemarket #stockmarket #stockmarketindia #trendingnow #cnbcawaaz #nseipo \n\nFollow On Instagram :    • Leapfrog IPO Review 2026 🔥 Apply or Avoid?...  \nFollow On Facebook : https://www.facebook.com/profile.php?...\nOther Youtube Channel :    /   \nOther Youtube Channel :    /   \n\n🔔 Subscribe for latest IPO updates, stock market news, and investment insights.\n\n⚠️ Disclaimer\nThis video is for educational purposes only. We are not SEBI-registered advisors.\nInvesting in the stock market involves risk. Please do your own research or consult a financial advisor before investing.\n⚠️ Disclaimer\nThis video is for educational purposes only. We are not SEBI-registered advisors.\nInvesting in the stock market involves risk. Please do your own research or consult a financial advisor before investing.", "post_id": "Kv7A3E-dB3g"}}, {"key": "theamarmauryaofficial", "attributes": {"label": "theamarmauryaofficial", "x": 45.59879640364184, "y": 142.0079864383401, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "Kv7A3E-dB3g", "id": "theamarmauryaofficial", "source": "youtube-000001", "content": "OnEMI IPO Review 2026 🔥 | Apply or Avoid? Full Analysis | GMP, Price, Risk | Kissht IPO\n\nOnEMI IPO Review 2026 🔥 | Apply or Avoid? Full Analysis | GMP, Price, Risk | Kissht IPO\n\nnEMI Technology Solutions IPO (Kissht IPO) is one of the most talked-about fintech IPOs of 2026. In this video, we cover complete details including IPO price band, GMP, financials, risks, and whether you should apply or avoid.\n\n👉 IPO opens: 30 April 2026\n👉 IPO closes: 5 May 2026\n👉 Price band: ₹162 – ₹171\n👉 Issue size: ₹925+ crore\n      Price band: ₹162 to ₹171\nIssue size: ₹925 crore ke aas paas\nIPO dates: 30 April – 5 May\n\nStrengths: \n✔️ Huge user base (6 crore+)\n✔️ Asset-light model\n✔️ Strong brand – Kissht\n\nIndustry Risk:\n“Fintech lending ek risky business hai…\nRegulation change hua → direct impact\nDefault badha → profit khatam”\n\nCompany Risk:\n❌ 94% loan book unsecured\n❌ Financials inconsistent\n❌ High dependency on lending partners\n\n“Ye company scale pe strong hai – aur future growth potential hai.”\n\nThe company operates a digital lending platform with over 6.3 crore users, making it a strong player in India’s fintech space.\n\n⚠️ Fintech lending sector risky है\n\n📊 GMP today: ~₹6–₹7 (approx 4% listing gain expected)\n\n👉 Final Verdict: Neutral – Risky IPO, only high-risk investors consider\n\nDosto, OnEMI IPO aa chuka hai – aur ye 2026 ka ek trending fintech IPO hai…\nलेकिन सवाल वही है – APPLY kare ya AVOID? 🤔\nIs video me mai aapko pura breakdown dunga – bina bakwaas, sirf facts!”\n\nKeywords : \nOnEMI IPO 2026, OnEMI Technology IPO review, OnEMI IPO details, IPO 2026 India, upcoming IPO India 2026, fintech IPO India, IPO investment guide, OnEMI IPO price band, IPO lot size India, retail investment IPO, NSE BSE IPO listing, IPO analysis Hindi, stock market IPO news, IPO review India Hindi, best IPO 2026, should you invest IPO, digital lending India, EMI finance company IPO, IPO risk analysis, IPO explained for beginners, share market India IPO, On Emi Technology IPO Review, Kissht IPO Review, Jayesh Khatri, Knowledge Jazz, Anil Singhvi, On Emi ipo review, OnEmi IPO Review, Kissht IPO GMP, OnEmi IPO GMP, Kissht IPO Anchor list, OnEmi IPO anchor List, #sharemarket, #ipo, #Gmp, #ipolatestupdates, OnEMI IPO, Kissht ipo, Loan app ipo, Digital lending ipo, OnEMI IPO REVIEW, Kissht ipo review, OnEMI technology ipo review, OnEMI technology, OnEMI IPO GMP today, One emi ipo, On emi ipo, omEMI technology limited IPO, omEMI technology ipo, omEMI ipo review, ipo review, ipo 2026, latest ipo, Indian stock market, ipo, Finance teacher 01, kissat IPO, kissht ipo review, kissht ipo, kissht ipo news, kissht ipo gmp, on emi ipo review, onemi ipo review, kissht ipo latest news, kissht ipo apply or not, kissht ipo details, kissht ipo analysis, kissht ipo gmp today, kissht ipo apply or avoid, kissht ipo price band, kissht ipo jaysh khatri, kissht loan app ipo, kissht technology ipo, onemi technology ipo review, onemi technology solutions ipo review, onemi technology solutions ipo, onemi technology solutions ipo details, Finance With Ajay, gmp, onemi ipo, OnEMI Technology IPO, OnEMI Technology IPO Review, OnEMI IPO GMP, OnEMI IPO GMP Today, New IPO to Apply, onemi ipo news, onemi ipo date, onemi technology onemi ipo apply or not, onemi technology ipo gmp, ipo upcoming, Onemi ipo kaisa hai, ajay singh rathore, onemi technology ipo, onemi technology ipo date, onemi technology ipo news, onemi technology ipo size, onemi technology ipo tamil, onemi technology ipo update, onemi technology ipo listing, onemi technology ipo confirm, onemi technology ipo gmp today, onemi technology ipo apply or not, onemi technology ipo tamil review, onemi technology ipo review hindi, latest ipo gmp, ipo gmp today,  Upcoming IPO’s In May 2026, Upcoming IPO In May, Knowledge jazz,  OnEMI IPO Details, Kissht IPO Details, \n\n#onemiipo #kisshtipo #kisshtapploan #ipo2026 #iporeview #ipo #sharemarket #stockmarket #stockmarketindia #trendingnow #cnbcawaaz #nseipo \n\nFollow On Instagram :    • Leapfrog IPO Review 2026 🔥 Apply or Avoid?...  \nFollow On Facebook : https://www.facebook.com/profile.php?...\nOther Youtube Channel :    /   \nOther Youtube Channel :    /   \n\n🔔 Subscribe for latest IPO updates, stock market news, and investment insights.\n\n⚠️ Disclaimer\nThis video is for educational purposes only. We are not SEBI-registered advisors.\nInvesting in the stock market involves risk. Please do your own research or consult a financial advisor before investing.\n⚠️ Disclaimer\nThis video is for educational purposes only. We are not SEBI-registered advisors.\nInvesting in the stock market involves risk. Please do your own research or consult a financial advisor before investing.", "post_id": "Kv7A3E-dB3g"}}, {"key": "theamarmourya", "attributes": {"label": "theamarmourya", "x": 505.2972442981147, "y": 75.09178301144847, "size": 3.0, "color": "#B3B6C6", "sentiment": "netral", "labels": ["youtube-000001"], "scores": {"pagerank": 6.2473, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "Kv7A3E-dB3g", "id": "theamarmourya", "source": "youtube-000001", "content": "OnEMI IPO Review 2026 🔥 | Apply or Avoid? Full Analysis | GMP, Price, Risk | Kissht IPO\n\nOnEMI IPO Review 2026 🔥 | Apply or Avoid? Full Analysis | GMP, Price, Risk | Kissht IPO\n\nnEMI Technology Solutions IPO (Kissht IPO) is one of the most talked-about fintech IPOs of 2026. In this video, we cover complete details including IPO price band, GMP, financials, risks, and whether you should apply or avoid.\n\n👉 IPO opens: 30 April 2026\n👉 IPO closes: 5 May 2026\n👉 Price band: ₹162 – ₹171\n👉 Issue size: ₹925+ crore\n      Price band: ₹162 to ₹171\nIssue size: ₹925 crore ke aas paas\nIPO dates: 30 April – 5 May\n\nStrengths: \n✔️ Huge user base (6 crore+)\n✔️ Asset-light model\n✔️ Strong brand – Kissht\n\nIndustry Risk:\n“Fintech lending ek risky business hai…\nRegulation change hua → direct impact\nDefault badha → profit khatam”\n\nCompany Risk:\n❌ 94% loan book unsecured\n❌ Financials inconsistent\n❌ High dependency on lending partners\n\n“Ye company scale pe strong hai – aur future growth potential hai.”\n\nThe company operates a digital lending platform with over 6.3 crore users, making it a strong player in India’s fintech space.\n\n⚠️ Fintech lending sector risky है\n\n📊 GMP today: ~₹6–₹7 (approx 4% listing gain expected)\n\n👉 Final Verdict: Neutral – Risky IPO, only high-risk investors consider\n\nDosto, OnEMI IPO aa chuka hai – aur ye 2026 ka ek trending fintech IPO hai…\nलेकिन सवाल वही है – APPLY kare ya AVOID? 🤔\nIs video me mai aapko pura breakdown dunga – bina bakwaas, sirf facts!”\n\nKeywords : \nOnEMI IPO 2026, OnEMI Technology IPO review, OnEMI IPO details, IPO 2026 India, upcoming IPO India 2026, fintech IPO India, IPO investment guide, OnEMI IPO price band, IPO lot size India, retail investment IPO, NSE BSE IPO listing, IPO analysis Hindi, stock market IPO news, IPO review India Hindi, best IPO 2026, should you invest IPO, digital lending India, EMI finance company IPO, IPO risk analysis, IPO explained for beginners, share market India IPO, On Emi Technology IPO Review, Kissht IPO Review, Jayesh Khatri, Knowledge Jazz, Anil Singhvi, On Emi ipo review, OnEmi IPO Review, Kissht IPO GMP, OnEmi IPO GMP, Kissht IPO Anchor list, OnEmi IPO anchor List, #sharemarket, #ipo, #Gmp, #ipolatestupdates, OnEMI IPO, Kissht ipo, Loan app ipo, Digital lending ipo, OnEMI IPO REVIEW, Kissht ipo review, OnEMI technology ipo review, OnEMI technology, OnEMI IPO GMP today, One emi ipo, On emi ipo, omEMI technology limited IPO, omEMI technology ipo, omEMI ipo review, ipo review, ipo 2026, latest ipo, Indian stock market, ipo, Finance teacher 01, kissat IPO, kissht ipo review, kissht ipo, kissht ipo news, kissht ipo gmp, on emi ipo review, onemi ipo review, kissht ipo latest news, kissht ipo apply or not, kissht ipo details, kissht ipo analysis, kissht ipo gmp today, kissht ipo apply or avoid, kissht ipo price band, kissht ipo jaysh khatri, kissht loan app ipo, kissht technology ipo, onemi technology ipo review, onemi technology solutions ipo review, onemi technology solutions ipo, onemi technology solutions ipo details, Finance With Ajay, gmp, onemi ipo, OnEMI Technology IPO, OnEMI Technology IPO Review, OnEMI IPO GMP, OnEMI IPO GMP Today, New IPO to Apply, onemi ipo news, onemi ipo date, onemi technology onemi ipo apply or not, onemi technology ipo gmp, ipo upcoming, Onemi ipo kaisa hai, ajay singh rathore, onemi technology ipo, onemi technology ipo date, onemi technology ipo news, onemi technology ipo size, onemi technology ipo tamil, onemi technology ipo update, onemi technology ipo listing, onemi technology ipo confirm, onemi technology ipo gmp today, onemi technology ipo apply or not, onemi technology ipo tamil review, onemi technology ipo review hindi, latest ipo gmp, ipo gmp today,  Upcoming IPO’s In May 2026, Upcoming IPO In May, Knowledge jazz,  OnEMI IPO Details, Kissht IPO Details, \n\n#onemiipo #kisshtipo #kisshtapploan #ipo2026 #iporeview #ipo #sharemarket #stockmarket #stockmarketindia #trendingnow #cnbcawaaz #nseipo \n\nFollow On Instagram :    • Leapfrog IPO Review 2026 🔥 Apply or Avoid?...  \nFollow On Facebook : https://www.facebook.com/profile.php?...\nOther Youtube Channel :    /   \nOther Youtube Channel :    /   \n\n🔔 Subscribe for latest IPO updates, stock market news, and investment insights.\n\n⚠️ Disclaimer\nThis video is for educational purposes only. We are not SEBI-registered advisors.\nInvesting in the stock market involves risk. Please do your own research or consult a financial advisor before investing.\n⚠️ Disclaimer\nThis video is for educational purposes only. We are not SEBI-registered advisors.\nInvesting in the stock market involves risk. Please do your own research or consult a financial advisor before investing.", "post_id": "Kv7A3E-dB3g"}}, {"key": "@MoneyStory3", "attributes": {"label": "@MoneyStory3", "x": 260.91384871425896, "y": 551.6006320228104, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["youtube-000001"], "scores": {"pagerank": 4.3841, "eigenvector": 0.0, "in_degree": 0, "out_degree": 1, "degree": 1}, "_id": "6yT_K38rSdg", "id": "@MoneyStory3", "source": "youtube-000001", "content": "Predatory Lending: The Rent Loan That Broke His Credit\n\nInside this video, you'll see how Affirm-style rent loans charged Holden 172% APR disguised as a $14.99 Klarna-like subscription fee. Predatory lending turned one warehouse layoff into an eviction notice — even though his wife paid the credit card bill every single month.\nThis is the true story of the rent-a-bank loophole: how fintech loan companies partner with small national banks to bypass state usury caps, and how one missed notification in August became a three-day pay-or-quit notice by November. It covers the Mullainathan and Shafir scarcity research, Florida's consumer credit protection limits, the Electronic Fund Transfer Act dispute process, and the exact state attorney general complaint that forces these loan apps into regulatory scrutiny.\nWhat you'll learn:\n— Why paying 172% effective APR on rent feels like paying $33 a month\n— How Harvard and Princeton researchers proved scarcity drains 13 IQ points\n— The rent-a-bank loophole that erases your state's usury cap on loans\n— Why calling your landlord works 61% of the time (Urban Institute 2024)\n— How a 10-minute state AG complaint under UDAP laws forces accountability\n0:00 The $5,670 That Wasn't Owed\n0:20 The Predatory Lending Ad That Started It\n1:09 How Rent Splitting Became a Debt Loop\n2:30 The October Flex Decline\n3:30 Why Scarcity Costs 13 IQ Points\n4:28 The $2,417 Predatory Lending Fee Trap\n5:58 The Three-Day Pay-or-Quit Notice\n7:59 The 2 AM Kitchen Confession\n8:30 Predatory Lending & the Rent-a-Bank Loophole\n10:00 Three Things That Saved Him\n11:00 The Call That Beats Any Fintech Loan\n12:00 The Hidden Debt Trap in 109M Households\n13:38 What to Check Tonight\n\nSubscribe for more credit and loan disaster stories:    /   \n\nRelated Videos from MoneyStory:\nThe Klarna Pizza Generation Disaster:    • The $43 Pizza That Destroyed His Credit Score  \n\nThe Cosigner Who Lost His House: \n   • Your Signature Could Lose Your House | The...  \n\n📋 Sources & References:\n— Protect Borrowers & Towards Justice 2026 — \"Rent Now, Pain Later\" report: https://protectborrowers.org/resource...\n— Mullainathan & Shafir 2013 — Poverty Impedes Cognitive Function, Science: https://www.science.org/doi/10.1126/s...\n— Urban Institute 2024 — Landlord payment plan survey: https://www.urban.org/\n— CFPB — Electronic Fund Transfer Act (Regulation E): https://www.consumerfinance.gov/rules...\n— FTC — UDAP enforcement authority: https://www.ftc.gov/legal-library/bro...\n⚠️ This story is inspired by real predatory lending cases documented by Protect Borrowers and Towards Justice. Character names and specific details have been changed for privacy.\n📌 If you are struggling with a rent-split or BNPL loan:\n→ File a UDAP complaint with your state Attorney General (takes 10 minutes online)\n→ Request an Electronic Fund Transfer Act dispute from your lender — documented charges only\n→ Call your landlord directly BEFORE using any rent-split app\n\nDisclaimer: This video is for education and entertainment only and is not financial, legal, or tax advice. Consult a licensed professional before any financial decision. The story is based on real financial patterns and publicly documented cases; character names and identifying details are fictional to protect privacy.\n\n\n#predatorylending  #buynowpaylater  #debttrap  #personalfinance  #moneystory", "post_id": "6yT_K38rSdg"}}, {"key": "moneystory3", "attributes": {"label": "moneystory3", "x": 58.65745272680145, "y": 488.756159964629, "size": 3.0, "color": "#ED3E3E", "sentiment": "negatif", "labels": ["youtube-000001"], "scores": {"pagerank": 8.1106, "eigenvector": 0.0, "in_degree": 1, "out_degree": 0, "degree": 1}, "_id": "6yT_K38rSdg", "id": "moneystory3", "source": "youtube-000001", "content": "Predatory Lending: The Rent Loan That Broke His Credit\n\nInside this video, you'll see how Affirm-style rent loans charged Holden 172% APR disguised as a $14.99 Klarna-like subscription fee. Predatory lending turned one warehouse layoff into an eviction notice — even though his wife paid the credit card bill every single month.\nThis is the true story of the rent-a-bank loophole: how fintech loan companies partner with small national banks to bypass state usury caps, and how one missed notification in August became a three-day pay-or-quit notice by November. It covers the Mullainathan and Shafir scarcity research, Florida's consumer credit protection limits, the Electronic Fund Transfer Act dispute process, and the exact state attorney general complaint that forces these loan apps into regulatory scrutiny.\nWhat you'll learn:\n— Why paying 172% effective APR on rent feels like paying $33 a month\n— How Harvard and Princeton researchers proved scarcity drains 13 IQ points\n— The rent-a-bank loophole that erases your state's usury cap on loans\n— Why calling your landlord works 61% of the time (Urban Institute 2024)\n— How a 10-minute state AG complaint under UDAP laws forces accountability\n0:00 The $5,670 That Wasn't Owed\n0:20 The Predatory Lending Ad That Started It\n1:09 How Rent Splitting Became a Debt Loop\n2:30 The October Flex Decline\n3:30 Why Scarcity Costs 13 IQ Points\n4:28 The $2,417 Predatory Lending Fee Trap\n5:58 The Three-Day Pay-or-Quit Notice\n7:59 The 2 AM Kitchen Confession\n8:30 Predatory Lending & the Rent-a-Bank Loophole\n10:00 Three Things That Saved Him\n11:00 The Call That Beats Any Fintech Loan\n12:00 The Hidden Debt Trap in 109M Households\n13:38 What to Check Tonight\n\nSubscribe for more credit and loan disaster stories:    /   \n\nRelated Videos from MoneyStory:\nThe Klarna Pizza Generation Disaster:    • The $43 Pizza That Destroyed His Credit Score  \n\nThe Cosigner Who Lost His House: \n   • Your Signature Could Lose Your House | The...  \n\n📋 Sources & References:\n— Protect Borrowers & Towards Justice 2026 — \"Rent Now, Pain Later\" report: https://protectborrowers.org/resource...\n— Mullainathan & Shafir 2013 — Poverty Impedes Cognitive Function, Science: https://www.science.org/doi/10.1126/s...\n— Urban Institute 2024 — Landlord payment plan survey: https://www.urban.org/\n— CFPB — Electronic Fund Transfer Act (Regulation E): https://www.consumerfinance.gov/rules...\n— FTC — UDAP enforcement authority: https://www.ftc.gov/legal-library/bro...\n⚠️ This story is inspired by real predatory lending cases documented by Protect Borrowers and Towards Justice. Character names and specific details have been changed for privacy.\n📌 If you are struggling with a rent-split or BNPL loan:\n→ File a UDAP complaint with your state Attorney General (takes 10 minutes online)\n→ Request an Electronic Fund Transfer Act dispute from your lender — documented charges only\n→ Call your landlord directly BEFORE using any rent-split app\n\nDisclaimer: This video is for education and entertainment only and is not financial, legal, or tax advice. Consult a licensed professional before any financial decision. The story is based on real financial patterns and publicly documented cases; character names and identifying details are fictional to protect privacy.\n\n\n#predatorylending  #buynowpaylater  #debttrap  #personalfinance  #moneystory", "post_id": "6yT_K38rSdg"}}], "edges": [{"key": "AchmadFach8981", "source": "AchmadFach8981", "target": "VIVAcoid", "attributes": {"label": "retweet", "type": "retweet", "source": "retweet-000002"}}, {"key": "AchmadFach8981", "source": "AchmadFach8981", "target": "VIVAcoid", "attributes": {"label": "mention", "type": "mention", "source": "retweet-000002"}}, {"key": "fransis74201222", "source": "fransis74201222", "target": "VIVAcoid", "attributes": {"label": "retweet", "type": "retweet", "source": "retweet-000002"}}, {"key": "fransis74201222", "source": "fransis74201222", "target": "VIVAcoid", "attributes": {"label": "mention", "type": "mention", "source": "retweet-000002"}}, {"key": "longitudinal21", "source": "longitudinal21", "target": "RagilSemar", 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