Based on the records of the Financial Services Authority, there were 22,986 complaints from the public regarding online loans (loans) until August 2021 yesterday. They detailed the reports consisting of 9,421 cases of light/moderate violations and 13,475 cases of serious violations. However, in the midst of the many complaints and violations committed by the loan, it turns out that the circulation of money in it is quite large. The Financial Services Authority noted that there were 64.81 million customers from various parts of the country who borrowed from loans until June 2021. The amount of funds disbursed reached Rp221.56 trillion. The flow of funds from this loan increased 92.58 percent from Rp113.46 trillion in June 2020 or almost doubled in the past year amid the COVID-19 pandemic. Likewise with the number of borrowers, up 15.51 percent from the same period in the previous year. However, the presence of online loans also has its downsides. From legal loans, for example, the disadvantage is that these loans are often used by the public for consumption needs, for example through the paylater feature. Then, sometimes the interest on loans from legal loans is even higher than other financial institutions. Many other harms come from illegal borrowing, for example, interest that is not only high, but stifling, where there are up to 300 percent per year of the loan principal. Then, short loan tenors, billing in an unethical way, using personal data dissemination, to intimidation. As a result, many people are traumatized by using illegal loans.

Based on this information, determine: a. relevant research topics b. formulate a problem statement c. define some relevant research questions d. what research methods can be used to answer research questions e. based on the types of research, what research can be classified as? Explain