MataRakyat24.com – Praktik gesek tunai atau gestun belakangan ini kian marak terjadi, terutama di kota-kota besar di Indonesia. Meskipun tampak seperti solusi cepat untuk memperoleh dana segar, gestun menyimpan sejumlah bahaya yang mengancam. Tidak hanya kepada pengguna, namun juga terhadap stabilitas sistem keuangan.
Apa itu Gestun dan Mengapa Dilarang?
Gesek tunai, atau sering disingkat gestun, adalah praktik pencairan uang tunai secara tidak resmi dengan memanfaatkan kartu kredit atau limit kredit pada layanan paylater. Proses ini biasanya dilakukan melalui transaksi di merchant tertentu, yang secara teknis terlihat seperti pembelian barang. Namun, tujuan sebenarnya dari transaksi tersebut adalah untuk mendapatkan uang tunai, bukan untuk membeli barang yang ditampilkan. Otoritas Jasa Keuangan (OJK) dan Bank Indonesia (BI) telah menyatakan bahwa gestun merupakan praktik ilegal yang melanggar hukum. Selain itu, gestun juga dapat beresiko mengakibatkan:
● Kebocoran data pribadi.
● Pencucian uang.
● Kerugian finansial bagi nasabah.
Praktik gesek tunai (gestun) sangat rentan terhadap risiko pencurian data nasabah dan juga tindak kejahatan pencucian uang. Meski terlihat praktis dan mudah, gestun merupakan transaksi fiktif yang dapat membahayakan nasabah, baik secara finansial maupun non-finansial.
Dasar Hukum yang Melarang Gestun
Praktik gestun telah dinyatakan tindakan ilegal dan bertentangan dengan peraturan perundang-undangan di Indonesia, antara lain:
Peraturan Bank Indonesia Nomor 14/2/PBI/2012 tentang Penyelenggaraan Kegiatan Alat
Pembayaran dengan Menggunakan Kartu (APMK)
● Pasal 8 ayat (2) menyatakan bahwa penerbit kartu wajib memastikan bahwa kartu kredit digunakan sesuai dengan peruntukannya, yaitu sebagai alat pembayaran, bukan untuk aktivitas lain seperti penarikan uang tunai secara ilegal.
Surat Edaran Bank Indonesia No. 14/17/DASP Tahun 2012
● Bank Indonesia mengatur bahwa transaksi dengan kartu kredit hanya diperbolehkan untuk pembayaran barang atau jasa. Praktik gestun, yang merupakan transaksi fiktif, melanggar aturan ini.
UU No. 10 Tahun 1998 tentang Perbankan
● Pasal 49 ayat (2) melarang aktivitas yang dapat merusak sistem keuangan, termasuk transaksi yang berpotensi digunakan untuk pencucian uang.
UU No. 8 Tahun 1999 tentang Perlindungan Konsumen
● Pasal 4 memberikan hak kepada konsumen untuk mendapatkan keamanan dan kenyamanan dalam transaksi. Gestun yang rawan kebocoran data dan penipuan melanggar prinsip perlindungan konsumen ini.
PT Akulaku Finance Indonesia Tegas Menolak Praktik Gestun
Sebagai perusahaan pembiayaan yang berkomitmen pada keamanan finansial pengguna, PT Akulaku Finance Indonesia tidak mendukung atau membenarkan praktik gesek tunai (gestun) menggunakan limit kredit Akulaku Paylater.
Gestun bukan hanya membahayakan keamanan keuangan, tetapi juga melanggar hukum di Indonesia. PT Akulaku Finance Indonesia mendorong pengguna untuk memanfaatkan layanan kredit secara bijak dan sesuai dengan ketentuan yang berlaku agar mereka dapat menikmati manfaat secara aman.
Tips Menggunakan Limit Akulaku Paylater dengan Aman
1. Gunakan limit kredit secara bijak.
2. Hindari pihak yang menawarkan gestun.
3. Selalu periksa keamanan transaksi digital.
Akulaku Finance Indonesia mengimbau seluruh pengguna untuk menjauhi praktik gestun dan selalu bijak dalam menggunakan layanan keuangan digital.
Gunakan layanan Akulaku Paylater sesuai kebutuhan Anda dengan aman dan nyaman!
Press Release ini juga sudah tayang di VRITIMES
Dear Creative Entrepreneur,
Today marks the final opportunity to access StockDreams – the platform that’s transformed graphic design into a simple, profitable, and enjoyable process.
?? Remember, StockDreams is your ticket to:
Crafting AI-generated visuals that captivate and sell, in mere minutes.
Opening a floodgate of traffic through eye-catching, SEO-friendly images. It’s time to tap into a gold mine that most are overlooking: Google Image Search powered by AI: https://www.growwealthy.info/stockdream
Launching a graphic design service that requires zero traditional training.
Earning from a variety of revenue streams, passive and active, online.
We’ve watched users go from design novices to in-demand pros, selling their artwork on global marketplaces and securing a steady income stream, all thanks to StockDreams’ intuitive AI-powered platform.
But now, the window is closing.
This is your LAST CHANCE to grab StockDreams at the current offer, with full access to all its features – from AI-generated stock images and illustrations to logos, icons, and more, all crafted within a user-friendly editor that’s been a game-changer for so many.
Don’t let hesitation hold you back from what could be the turning point in your creative and financial path.
?? Click here to claim your access before the clock runs out: https://www.growwealthy.info/stockdream
As the saying goes, ‘opportunity doesn’t knock twice.’ This is your moment, seize it with StockDreams and watch as your design capabilities – and revenue – soar to new heights.
Wishing you a future brimming with success and creativity.
Farewell, for now, let’s make these final hours count!
To your unlimited creative potential,
John Ford
P.S.: Miss this, and you’ll miss out on the simplest path to design success and financial growth. Let’s end this chapter on a high note. Join us, and let’s create masterpieces together with StockDreams.
UNSUBSCRIBE: https://www.growwealthy.info/unsubscribe/?d=matarakyat24.com
Address: 2089 Kelly Drive
Clarksburg, WV 26301
My new “10 Min Copybot Workday” thingy, is the only legit AI business I know of, where even clueless newbies can brainlessly click, copy & paste their way to $1,000 days – with NO existing skills or experience!
“The Amazing NEW AI Clone of a REAL Million Dollar Marketer Used By a Man with ONE ARM To Get $1,000 – $18,340.09 Checks From HUNDREDS of Local Businesses – Every Single Month!”
(All While on Painkillers and Clicking COPY & PASTE In His Underwear For Less Than 10 Mins Per Day – YES REALLY!)
CLICK HERE TO GRAB PETEBOT: https://www.goldtip.shop/petebot
PLUS! How to be an absolute dumbass with money, yet still make as much as you want – whenever you need it. WITHOUT…
[X] a website, [X] a product, [X] a list/audience, [X] learning how to sell, [X] technical skills, [X] business skills [X] paid ads, [X] showing your face on video, [X] or posting on social media pretending to be a guru.
I recently started teaching this to a few of my close friends and family members who know nothing about marketing or business.
My friend Shan made $500 on his very first attempt…
Kevin made over $141,000 in the first 2 months…
Maybe you’re next?
CLICK HERE TO GRAB PETEBOT: https://www.goldtip.shop/petebot
If you can’t win with this one – I honestly recommend keeping your day job.
You will NOT find an easier way to earn an income online with AI right now – than with my AI clone “PeteBot. ai” doing all the grunt work for you.
NOTICE: the above bonuses and discounts are available on a first come first service basis.
Be there or miss out.
Love,
Peter Beattie (and “PeteBot.ai”)
UNSUBSCRIBE: https://www.goldtip.shop/unsubscribe/?d=matarakyat24.com
Address: 3425 May Street
Lexington, KY 40505
I have to be brutally honest today.. I suck at SEO lol – there I said it.
Although I understand how POWERFUL it is to get free traffic from Google, I just never had any interest to put it to use for my business..
Especially when it comes to the ONGOING syndication and ‘backlinking’ portion of it.
That’s what REALLY turned me off about it.
Always having to be constantly syndicating my content all over the web for my content to rank on the first page..
If I ever did get into SEO, that’s the FIRST thing I’d get someone to do FOR ME!
That’s why – for the FIRST TIME EVER – I’m kinda EXCITED about SEO ??
A couple of genius SEO marketers have created a system that does EXACTLY that.
They’ve SIMPLIFIED the ENTIRE social syndication process so that ANYONE can tap into the power of Page 1 rankings – EVEN if they SUCK at SEO or are BRAND new to the subject. (LIKE me)
And they have just opened the doors to their updated and GREATLY improved 6.0 version!
Introducing DFY Suite 6.0!
DFY Suite will allow you to Get FREE, Targeted BUYER-Traffic In 48 Hours Or Less By Leveraging The Power Of High-Quality Social Syndication With their NEW, Done-For-YOU System!
Yup, you can now leverage the POWER of Page 1 Rankings Via Social Syndication for ANY location and/or ANY language with:
– NO Software To Install
– No Software Training To Learn
– No previous SEO knowledge or experience
– No Social Account Creation Needed
– No Content Needed Besides their URL
– No Proxies or Captchas Needed
– NONE of that stuff..
Heck, you don’t even need to KNOW what social syndication IS lol
All you need to do is:
1. Login to the web-based portal
2. Submit your Keywords and URL you want traffic for
3. Hit “Submit”
Yup, That’s IT!
From There their System Will Get To Work And Build You HUNDREDS of High-Quality Syndication Links To Your Content to skyrocket it to page 1 of Google!
PLUS, if you’re 100% NEW to SEO, they’re also including a quick CRASH course on Keyword Research AND Content optimization that should take you no more than 20-30 minutes to go through.
With DFY Suite PLUS the Keyword Research and Content Optimization crash course, you’ll be able to start getting traffic from Google without EVER having to spend HOURS upon HOURS doing the HEAVY-LIFTING yourself.
Check out DFY Suite Here: https://www.unlockrevenue.info/dfysuite
“But wait, did you say they’ve just opened 6.0?”
Yup, and with their 6.0 updates they have made their platform BETTER, FASTER and MORE powerful to Deliver you even MORE rankings, Traffic & sales.
In version 6.0 they have:
– 5x’d their sites, 5x’d the authority, 5x’d the ranking power! Now instead of being able to get up to 200 different syndication links to your content, you can get up to 1,000! And the domains they’ve added are ALL packing A LOT more authority
– Done for you GLOBAL Rankings. Yup, WORLDWIDE Rankings are finally HERE via their multi-language support. Yes, you read that correctly! They now cover EVERY LANGUAGE you can think of, so you can get page 1 rankings REGARDLESS of where you are in the world!
– Totally revamped their server set up to now Include IP’s from ALL over the world to SUPERCHARGE their new WORLDWIDE ranking power!
– Totally revamped their content generation system Which is now powered by REAL Artificial intelligence With Creaite being the engine to that! REAl A.I means QUALITY, unique content being written for EVERY campaign You submit. And we ALL know how much Google loves quality content.
– and much much more… (they have a WHOLE section And video covering what’s new in 6.0 – there’s 7 MAJOR updates total)
This is EASILY their MOST powerful update To date and you can get access to it at an INSANE discount.
Check out how it works here: https://www.unlockrevenue.info/dfysuite
This is the GO-TO platform for DFY, page 1 rankings!
Dorothea Brooks
P.S. Getting page 1 rankings has NEVER been easier.
With DFY Suite You’ll be able to:
– rank your videos on page 1
– rank your niche sites on page 1
– rank your e-commerce sites on page 1
– rank your Amazon listings
– rank your CLIENT’s sites
– rank ANY URL you’d like to get traffic for..
It’s really the PERFECT solution for us “lazy” seo marketers hahah
And their 6.0 updates have REALLY taken things to the NEXT level!
check it out here: https://www.unlockrevenue.info/dfysuite
UNSUBSCRIBE: https://www.unlockrevenue.info/unsubscribe/?d=matarakyat24.com
Address: 3425 Richards Avenue
Stockton, CA 95204
Hi matarakyat24.com,
Let’s face it—spending hours trying to drive traffic only to see little or no results is exhausting. What if there was a better way?
With Easy Traffic Bot, you’ll discover how to turn AI into your secret traffic machine. No more wasted time or guesswork—just smart, targeted results.
Why it works:
– AI tools designed to attract and engage your ideal audience.
– Customizable prompts tailored to your niche.
– A proven system to drive free, high-quality traffic directly to your website/offers.
See how you can get started today: https://www.bizopphand.info/easytrafficbot
To Your Success,
Theodore Franks
P.S. Don’t let traffic struggles hold you back. Click here to discover the solution: https://www.bizopphand.info/easytrafficbot .
UNSUBSCRIBE: https://www.bizopphand.info/unsubscribe/?d=matarakyat24.com
Address: 2649 Freedom Lane
Stockton, CA 95204
If you have used AIs before and want a cheat code to access more of them without paying a dime, you now have access to the Premium versions in just one Dashboard.
… Without a monthly subscription
>> Click here to get the 100+ AIs on a single dashboard: https://www.getprofitnow.info/neuro .
You can now access premium AI apps like ChatGPT, Leonard AI, DALL-E, Canva AI, Claude, Gemini, Copilot, ElevenLab, Bard AI, MidJourney, Jasper, Stable Diffusion, Synthesia and 90+ More Powerful AI Models
Which you can never easily get on a normal day without paying for them.
It has equally saved me over $1000 monthly that I can invest back into my business for 2x profit…
This means you get backdoor access to create any kind of 4k Images, Articles, Write Ads, Branding, Logos, Business Cards, 8k Motion Videos, Funnels, Voiceovers, Clone Voice, Turn Speech To Text, Create AI Assistant ChatBots, And Much Much More.
>>Get INSTANT access here: https://www.getprofitnow.info/neuro
All you need is- give an instruction and voila you simply generate anything.
No matter the business you run online,
This is the cheapest way to get an AI Model that makes running a business online easy with automated profit – without joggling between paid AI apps.
Finally, this will save you thousands of dollars monthly/yearly
>> Click here to get the 100+ AIs on a single dashboard: https://www.getprofitnow.info/neuro .
Pam Bergeron
UNSUBSCRIBE: https://www.getprofitnow.info/unsubscribe/?d=matarakyat24.com
Address: 2484 Pin Oak Drive
Pomona, CA 91766
Are you wanting to build your own escape plan, but just don’t know where to start?
Commission Crusade is turning heads, and for good reason.
It’s a super simple blueprint that shows you step by step what it takes to build a wildly profitable online biz : https://www.greatbusi.info/commissioncrusa
And the best bit?
You don’t need a list
You don’t need to have any audience
Just follow Dans’ Grail Diary and you’ll soon see where the real wonga online can be made.
=>> Get Earlybird Access Here (All Bonuses Included) : https://www.greatbusi.info/commissioncrusa
This truly is the profit playbook the super gurus don’t want you to know, and the best way to actually break out online in 2024 and beyond.
Best,
Laura Sievers
UNSUBSCRIBE: https://www.greatbusi.info/unsubscribe/?d=matarakyat24.com
Address: 925 Fort Street
Tacoma, WA 98402
Still searching for that ready made solution that brings passive
profits?
Look no further.
Billy Darr has you covered.
>>> GO here: https://www.growwealthy.info/helios !
This is the easiest way for anyone to start earning passively online
The World’s First A.I-Powered Crypto Miner
Plus, get access to exclusive bonuses
Frank Wong
UNSUBSCRIBE: https://www.growwealthy.info/unsubscribe/?d=matarakyat24.com
Address: 4896 Tree Top Lane
West Brunswick Twp, PA 19549
Hey matarakyat24.com,
The global e-learning and video course market is projected to hit $325 billion by 2025.
Ordinary people like you and I are already making thousands of dollars every month selling video courses on platforms like Udemy and Coursera.
CourseReelAI Max just went live, and for the next 3 hours, you can grab it at a discounted price with a commercial license and my exclusive Video Bonus Pack.
>> : https://www.moredollar.info/coursereelai
What is CourseReelAI Max?
It’s a powerful, cloud-based app that lets you create professional video courses in minutes. Turn your website, voice recordings, audio, or even copy-pasted content into polished videos with slides, text, voice-overs, and designs—all automatically done for you.
With CourseReelAI Max, you can:
✅ Create profitable video courses effortlessly.
✅ Build video sales letters, product reviews, and YouTube content.
✅ Generate local marketing videos and much more!
✅ Create stunning promo videos to market your courses.
✅ Add interactive quizzes to engage your learners.
✅ Convert courses into PDFs and ebooks for easy sharing.
✅ Build high-converting landing pages and craft persuasive sales copy.
✅ Use Custom Voice Integration to narrate courses in your own voice.
✅ Add Talking Head Features to make your videos more dynamic and engaging.
Plus, it comes with a Camtasia-style timeline-based editor for full customization—without the $300 price tag or the need for a high-powered computer.
>> Check Out CourseReelAI Max and Claim Your Bonus Pack Now <<: https://www.moredollar.info/coursereelai
Don’t wait too long! The price goes up in just 3 hours, and you don’t want to miss this founding members’ deal.
To Your Success,
Ricardo Ashley
P.S. CourseReelAI Max is to video courses what ClickFunnels was to funnels. Be part of this paradigm shift—secure your access before it’s too late!
UNSUBSCRIBE: https://www.moredollar.info/unsubscribe/?d=matarakyat24.com
Address: 1371 Rebecca Street
Schaumburg, IL 60173
The truth is, AI automation is a must for any online business if you want faster results and profit
But I understand how expensive each of these AI chatbots costs monthly…
That’s why I created a solution that helps you access the vault of any Premium AI without paying a dime.
These AIs cost thousands of dollars monthly but you are getting them for almost FREEE on a single dashboard Neuro.
Neuro is the first-ever Universal AI App that helps you search the vault and unlock any AI Model in the online Market.
>> Click here to access all Premium AI Models on a single dashboard: https://www.dollartip.info/neuro .
Here is how it works;
You ask Neuro anything and it replies with the results INSTANTLY, whether videos, designs, animation, content, voices, chatbots and so on.
This means you will never need to pay for any AI App again.
Imagine saving thousands of dollars on monthly subscriptions yet you get optimized results on your website and sales.
It’s time to allow our 99+ AI Model to work for you while you sit back and make the cash.
>> Click here to access all Premium AI Models on a single dashboard: https://www.dollartip.info/neuro .
Let me ask you?
How would it feel to relieve yourself of those monthly payments draining your pocket?
And you can still enjoy using all the AI you can ever set your mind on.
This is a game change for any business owner, freelancer or marketer.
So hurry if you don’t have to miss this opportunity.
>> Click here to access all Premium AI Models on a single dashboard: https://www.dollartip.info/neuro .
Christopher Jones
UNSUBSCRIBE: https://www.dollartip.info/unsubscribe/?d=matarakyat24.com
Address: 840 Maud Street
Dover, DE 19901
Want to instantly tap into Helios to leverage…
… The World’s First A.I-Powered Crypto Miner
This latest from Billy Darr shows you exactly how
: https://www.getmoreopportunities.info/helio
Once you see the potential with this, you’ll want to scale this even more
Grab this for 17 bux
… but act fast because price increases with each sale
>>> Grab your copy now: https://www.getmoreopportunities.info/helio !
Donald Mack
P.S. For the first 35 people
who grab this today you’ll get BONUS
UNSUBSCRIBE: https://www.getmoreopportunities.info/unsubscribe/?d=matarakyat24.com
Address: 1665 Pooh Bear Lane
Greenville, SC 29607
Hey ,
Let’s get real—how many “opportunities” have you tried, only to feel like you’re back where you started?
Most people try everything under the sun, hoping that one thing will finally stick.
But if you’re still searching, it means what you’re doing just isn’t working.
That’s why I want to share this with you.
Today, my friend Sean Donahoe opened the doors to his Yellow Brick Formula—a LIVE, 5-day masterclass where you’ll learn a skill that no one can ever take away: https://www.growthmarketingnow.info/yellowbrickformula .
Over the next five days, Sean’s going to be there live with you every step of the way.
He’ll show you exactly how to build wealth on your terms—without products, sales, or all the usual online headaches.
Imagine what it would be like to have a proven, reliable approach that lets you grow your wealth in just 30–60 minutes a day, leaving the rest of your time completely yours.
And by the end of it, you’ll have the skill set to finally turn your goals into a reality…without the usual hassles.
Just look at what others have achieved with this same approach:
$3,397 profit from just two trades in under a week
126% returns in two weeks
422% growth in just two days
These aren’t just numbers; they’re real results from people who were ready to make a change.
And here’s the kicker: Sean’s method lets you practice this skill without risking a dime, so you can learn and build confidence without any pressure.
If what you’ve been doing so far isn’t getting you closer to the future you want, maybe it’s time to try something different.
[Click here to secure your spot] in Sean’s masterclass: https://www.growthmarketingnow.info/yellowbrickformula . This could be exactly what you’ve been waiting for.
To your success,
Ronald Holland
P.S. Starting Jan 13th, you’ll spend just five days learning a skill that could unlock the future you’ve dreamed of. Don’t let this slip by—[join the sprint here]: https://www.growthmarketingnow.info/yellowbrickformula and see what’s possible.
UNSUBSCRIBE: https://www.growthmarketingnow.info/unsubscribe/?d=matarakyat24.com
Address: 1539 Lords Way
Rutherford, TN 38369
Hi matarakyat24.com,
Every second you wait, someone else is taking action—and getting ahead. Don’t let them leave you behind in 2025’s biggest opportunity.
LucidFluencerAI is your ultimate game-changer:
Create virtual influencers that look and act human.
Dominate Instagram, TikTok, and YouTube effortlessly.
Attract brands ready to pay you for promotions.(Of course, you can also drive tons of traffic to your website)
: https://www.increasetraffic.shop/lucidfluencera
And here’s the best part: LucidFluencerAI does it all for you—no experience, technical skills, or expensive software required.
When you get LucidFluencerAI today, you also unlock these powerful bonuses:
Viral Content Blueprint: A guide to viral success on every platform.
Influencer Deal Vault: Pre-qualified, high-paying brand partnerships.
Zero-to-Hero Workshop: See results in hours, not weeks.
Profit Accelerator Guide: Maximize profits with proven strategies: https://www.increasetraffic.shop/lucidfluencera .
AI-Driven Trend Finder Tool: Stay ahead of every viral wave.
Here’s what makes this opportunity so special:
You don’t need to show your face.
You don’t need to spend hours creating content.
You don’t need to worry about upfront costs or monthly fees.
All you need is LucidFluencerAI, a few minutes, and a dream to transform your life.
Picture this:
By tomorrow, you could have influencers generating views, clicks, and income for you—on autopilot.
But here’s the catch: time is running out. Once our license limit is hit, this opportunity will disappear.
⏳ Don’t miss your chance to join the AI revolution.
Click Here to Unlock Your Success: https://www.increasetraffic.shop/lucidfluencera !
You deserve a life of freedom, success, and fulfillment. Take action today and make it yours!
To your bright future,
Mary Gamble
UNSUBSCRIBE: https://www.increasetraffic.shop/unsubscribe/?d=matarakyat24.com
Address: 3502 College Street
Atlanta, GA 30340
With Helios, you’ll work whenever you want for as long as you like
You’re in complete control
There’s been such a buzz about Billy Darr’s new software.
Others have earned loads from it
Consistent sales every week
And most of them are newbies
If you’re looking for an easy beginner friendly option to earn online.
THIS is it.
The catch?
You only have 48 hours to pick this up
>>> GO here now: https://www.goldtip.shop/helio !
Nyla Ferrante
UNSUBSCRIBE: https://www.goldtip.shop/unsubscribe/?d=matarakyat24.com
Address: 91 Rocky Road
Philadelphia, PA 19104