Criminal Victimization: Women and Fintech Financing from the Theory of Lifestyle Exposure

Abstract

Women in the digital era are one of the most vulnerable parties to become victims. Not only as victims of physical violence but also users who have the highest number. There are various reasons why women are currently very active in using various digital platforms or applications on the market, one of which is online loan applications (financial technology). They use the application for various purposes, such as to meet personal basic needs, finance household life, to buy trending goods that are expensive. In the end, because these various goals caused new problems for them, namely debts with high interest accompanied by various threats from irresponsible parties. This article was written using a normative method that aims to review the extent to which the role of women who are victims of the rise of various fintechs, both licensed and illegal in terms of victimology. Here it can be seen that women have a role in the occurrence of financing agreements through Fintech, although the role of women has a passive tendency, but women have a role in the occurrence of fintech financing agreements which ultimately lead to digging holes, closing the hole from the loans they have received. In addition to these problems, women based on the theory of lifestyle exposure are also at risk of becoming victims of immoral crimes in digital media when they are bound by fintech financing agreements in the form of distributing the identity and personal photos of the victims.