The Destructive Impact of Online Gambling on the Financial Stability of Households in Tembilahan: A Qualitative Phenomenological Study

Richo Davitra; Widyawati Widyawati; Yaswar Aprilian

doi:10.55927/fjsr.v5i3.23

Authors

Richo Davitra Universitas Islam Indragiri
Widyawati Widyawati Universitas Islam Indragiri
Yaswar Aprilian Universitas Islam Indragiri

DOI:

https://doi.org/10.55927/fjsr.v5i3.23

Keywords:

Online Gambling, Financial Stability, Households

Abstract

Online Gambling (Judol) has developed into a serious socio-economic threat in Indonesia, especially for low- to middle-income households. The Financial Transaction Reporting and Analysis Center (PPATK) noted that Judol's fund turnover reached IDR 286.84 trillion from 422.1 million transactions throughout 2025. This study aims to investigate in depth the destructive impact of Judol on household financial stability in Tembilahan, Indragiri Hilir Regency, Riau, using a phenomenological qualitative approach. Data was collected from 12 key informants through in-depth interviews, observations, and documentation in the January–March 2026 period, using purposive and snowball sampling techniques. The thematic analysis identified four main themes: (1) misuse of household priority funds, (2) debt spiral through online loans (Pinjol), (3) liquidation and depletion of family assets, and (4) erosion of financial trust between family members.

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