If an app asks for your mother’s name and your photo gallery before your loan amount, it is not a lender—it is a blackmail platform. Appendix: Emergency Script for Victims "Saya tahu ini pinjaman ilegal. Saya hanya akan membayar pokok pinjaman via transfer ke rekening OJK yang diawasi. Setiap ancaman penyebaran data pribadi akan saya laporkan ke polisi dengan UU ITE Pasal 27 dan 45." (Translation: "I know this is an illegal loan. I will only pay the principal via an OJK-supervised account. Any threat to distribute my personal data will be reported to the police under ITE Law Articles 27 and 45." ) This paper is designed for immediate distribution via WhatsApp groups, local government workshops, and cybersecurity training modules in Indonesia.