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The rise of the Promotion of Unsecured Credit ( KTA ) in the form of money or goods, which is delivered via short messages or short message services ( SMS ), is increasingly widespread. The anger is not for the sake of goodness, but it is feared that it will lead to fraud that harms the public. 

For example SMS in the form of unsecured credit offers: "Need money, we offer cheap credit. The process is fast, easy, and without grace. Hub 081319271XXX "," It's hard to pay for a credit card, we have a solution. It's easy, Hub 081378461XXX, " 

" Dizziness is no money, don't be afraid we have the medicine. Call 08129658XXX "," There is a problem with finance, try contact Satria 081553324XXX credit card, guaranteed easy HUb Susan 081384971XXX ".

Another example of SMS in the form of goods: "Want to install a cheap satellite dish and UHF antenna, hub Yudi 021-9020xxxx. sorry thank you "," Pingin BlackBerry is cheap, you can get credit. call Christin 08561148XXX ", there are also many other product offers. 

The rise in the offer of SMS messages like this is a consequence of increasingly stringent customer banking markets. So, various ways or strategies are carried out for increasingly saturated market penetration because of the difficulties associated with the bank, which is very bureaucratic, must have an insider relationship, meticulous grace and long-winded 

, with this SMS method, it is expected that the sender of the message from the short messages sent, perhaps there are cellular phone users interested in taking credit without collateral.

"We do not know how many cellphone owners are interested in unsecured credit offers via SMS. Because the relationship between the sender of the SMS and the recipient of the SMS is closed, making it difficult to track," said Herman Sulistyana, market economist in Jakarta on Sunday. 

However, continued the economic dean of private universities, after a fraud report to the police could only be known whether the offer via SMS was incorrect. As long as there are no public reports, during that time unsecured credit offers are fine. 

Even so, the public or consumers must remain vigilant, check and check the truth first. And if there are suspicious signs, the public should quickly take a stand before experiencing a loss, the message.

Ryan Kiryanto, an economic observer asked that the public should not be tempted, tempted by the offer of Unsecured Credit via SMS. Also, the public should be careful and careful with the offer. 

"In this way, it is more practical and easy. It also doesn't cost a lot of promotional costs, because they only send short messages through the available technology. I wonder, where they can know the number of cell phone users. Whether they are collaborating with content companies or operators. This is a question mark, "he asked.