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Indonesian fintech borrower allegedly takes his life amid collection harassment

A report on Indonesian social media claims a Fintech borrower from PT Pembiayaan Digital Indonesia (AdaKami) took his life after alleged harassment by debt collectors.

The married borrower allegedly faced payment difficulties, leading to alleged threats and intense mental strain. The Jakarta Metro Police and the Financial Services Authority are investigating, while AdaKami seeks evidence before confirming the incident.

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INDONESIA: A deeply shocking and distressing report is circulating on Indonesian social media, detailing how a debitor reportedly took his life, allegedly due to relentless harassment by debt collection agents.

This distressing allegation gained widespread attention after it went viral on the Twitter account @rakyatvspinjol, sparking outrage and calls for justice.

The tragic incident revolves around an individual with the initial “K,” who had applied for a loan of Rp 9.4 million (US$600) from Fintech lender PT Pembiayaan Digital Indonesia (AdaKami) and later found himself obligated to repay up to Rp 19 million (US$1,200).

According to the Twitter thread, the victim, referred to as “K” faced difficulties in making payments and incurred late fees, which led to a campaign of harassment by AdaKami‘s debt collection agents.

K, who was said to be married and had a 3-year-old child, allegedly received intimidating messages and calls and fictitious orders for food deliveries and rides through online ride-hailing apps.

The relentless harassment allegedly took a toll on K’s mental health, ultimately culminating in his decision to end his life in May 2023.

As of February 2023, the average Indonesian employee earns a net monthly salary of around RP2.94 million (US$190), which can vary depending on the province.

The Twitter account @rakyatvspinjol initially brought this tragic incident to public attention, along with screenshots of messages and evidence of the harassment campaign.

The account called upon the Indonesian National Police, specifically the Metro Jaya Regional Police (Polda Metro Jaya), to investigate the case and hold those responsible accountable.

“TWITTER PLEASE DO YOUR MAGIC “I want to tell you about the brutal terror victim DC Pinjol Legal Adakami who ended his life by committing suicide,” wrote the account.

“@poldametrojaya my family committed suicide because they couldn’t afford to pay in Adakami. Terror and insults that led to dismissal from work made them worse off, incidents of suicide due to loans are not in UP because even large families are embarrassed to reveal the disgrace of the deceased. But this is true “Seriously. If so, many people have spoken up about DC Adakami’s behavior on social media, etc., so why not just reveal it? After all, the owner of this apk is clearly in Indonesia.”

Alleged screenshots of messages sent to the borrower were shared, showing how he was threatened with the disclosure of information to his immediate contacts if he didn’t make the installments.

Don’t risk your career and your embarrassed face in front of your co-workers and superiors, your self-esteem is lost just because of this meager responsibility, I MAKE SURE UNTIL 2 PM there is no responsibility for you, all the contents of the contacts on your cellphone “We will share your responsibilities, this afternoon I will make sure your family GROUP is full because of your responsibilities,” said one of the messages uploaded by the account,

Your ID photo, clear face verification photo! Do you want to pay now, or will I embarrass you? The price is the same as your bill or what? You pay before 12.00 on your bill! ” said another message.

If you don’t intend to pay, just be honest from now on, so that it’s clear, there’s no need to do this, we’ll lend you good funds, but this is your response,” wrote another message from a different number.

In response to the outcry on social media, the Jakarta Metro Police’s Directorate of Special Criminal Investigation (Ditreskrimsus) initiated a series of inquiries into the viral reports regarding the borrower’s suicide.

Chief Police Commissioner (Kombes Pol) Ade Safri Simanjuntak, the Director of Ditreskrimsus Polda Metro Jaya, confirmed that they had verified the information and urged the victim’s family, who resides in Baturaja, South Sumatra, to report the case to local law enforcement for a more efficient and effective investigation.

Ade Safri emphasized that the Indonesian National Police is committed to conducting a professional and accountable investigation, assuring that if criminal wrongdoing is discovered during the inquiry, it will be appropriately addressed.

The Financial Services Authority (Otoritas Jasa Keuangan or OJK) also took notice of the situation and summoned AdaKami‘s management to provide clarification on the matter. Frederica Widyasari Dewi, the Executive Head of Supervision of Financial Services Business Behavior, Education, and Consumer Protection at OJK, confirmed the ongoing process of gathering information from AdaKami.

However, AdaKami, in its official response to the incident, stated that it is still unable to confirm the identity of the borrower who allegedly took his life, citing a lack of identifying information, including name, National Identification Number (NIK), and location details.

They assured the public that they were actively investigating the case, collecting relevant data, and verifying the debt collection agent’s phone number mentioned in @rakyatvspinjol‘s post.

Jonathan Kriss, Brand Manager at AdaKami, condemned any form of violence and unethical collection practices, explicitly stating that fictitious orders through ride-hailing apps were not part of their company’s procedures.

He urged the public, especially AdaKami borrowers, to gather complete evidence and report any collection practices that violate ethical norms.

AdaKami also pledged to provide accurate information regarding the ongoing investigation and committed to taking decisive action if any form of violence or misconduct is found, as reported on social media in recent days.

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Community

Naked Russian tourist causes stir in Bali, claims sleepwalking

A Russian tourist, claiming sleepwalking, alarmed residents by walking naked in Bali. He received a warning, with the Indonesian police emphasizing the need of respect for local norms.

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INDONESIA: In an unusual incident that left residents of Darmawangsa Street in Banjar Petangan, Kutuh Village, South Kuta District, Badung Regency, Bali, perplexed, a Russian national, identified as DS (34), was seen strolling naked on Wednesday (27 Sep).

This bizarre incident has sparked concerns among locals and raised questions about the man’s actions.

South Kuta Police Chief I Nyoman Karang Adiputra, while interrogating the Russian man, DS (34), for walking naked on Darmawangsa Street, Banjar Petangan, Kutuh Village, South Kuta District, Badung Regency, Bali, on Wednesday (27 Sep). (Photo: KOMPAS.com)

According to local authorities, DS, who is a professional parkour athlete in his home country, was apprehended shortly after the incident. He claimed to suffer from a sleepwalking disorder.

“DS admitted to having a history of sleepwalking and is currently taking prescribed medication,” stated I Ketut Sukadi, the Head of the Public Relations Section at the Denpasar City Police Resort (Polresta), in a written statement.

Sukadi further explained that, based on reports from witnesses, the foreign tourist was observed leaving a villa and walking towards Darmawangsa Street in the buff around 9.22 am local time.

Upon reaching a workshop, he stood motionless for approximately 30 minutes. Subsequently, the tourist was seen crossing the road multiple times.

Alarmed residents who witnessed the scene promptly alerted local law enforcement.

Officers from the Kuta Police Sector, along with Public Order Officers (Linmas) and the Municipal Police Unit (Satpol PP) of Kutuh Village, rushed to the scene. DS fled into a villa in South Kuta upon seeing the gathering crowd and officials approaching.

During questioning, DS revealed that he had been staying at a Guest House in Tabanan Regency, Bali, as a guest of a friend since Tuesday (26 Sep).

Following the incident, the police collaborated with immigration authorities to examine DS’s travel documents to Bali. It was confirmed that his immigration documents were in order, resulting in a mere warning for his actions.

“DS is a professional parkour athlete in his home country. At this time, he has only received a stern warning,” added Sukadi.

In light of this incident, Sukadi urged all tourists, both domestic and foreign, within the jurisdiction of Polresta Denpasar, to always respect and honor Bali’s culture, customs, and applicable regulations. He emphasized the importance of adhering to local norms and laws to avoid any violations.

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Crime

Indonesian woman returns paralyzed from Riyadh sparks human trafficking suspicions

Budi Hartini, a paralyzed Indonesian migrant worker returning from Riyadh, prompts a human trafficking investigation, raising concerns about migrant worker safety.

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INDONESIA: In a shocking turn of events, a 39-year-old woman identified as Budi Hartini hailing from Teniga Village in the Tanjung District of North Lombok, West Nusa Tenggara (NTB), has been left paralyzed after her return from Riyadh, Saudi Arabia, in September 2022.

Authorities suspect that she may have fallen victim to human trafficking.

Hartini’s condition is currently dire, as she is unable to speak and is confined to a wheelchair. Disturbingly, there are visible stitches on her head and scars on her throat.

Muhammad Saleh, the Chairperson of the Migrant Workers Legal Aid Center, revealed, “When she was brought back (picked up in Jakarta), she was already paralyzed, her head had already been fractured but had been stitched back together. Her body is now paralyzed; she can’t speak, can’t do anything, and no one seems to be taking responsibility.”

Budi Hartini has filed a report on her alleged human trafficking ordeal with the North Lombok Regional Police.

Accompanied by her family, the village head, the Legal Aid Center, and migrant worker protection advocates, she submitted her complaint to the Directorate of General Crime Investigation (Dit Reskrimum) at the NTB Regional Police headquarters.

According to Saleh, Hartini’s case goes beyond the usual human trafficking cases and involves potential violations of human rights.

“Because this case is not just a regular human trafficking case, but it involves human rights violations. The victim’s head was fractured, allegedly from a fall at the airport. But we do not yet know if this occurred at the airport,” he explained.

Saleh added that if the victim did fall at the airport, there should be an official statement from airport authorities or a local hospital.

“Because the airport is a highly accountable place. So, if someone falls, there should be a letter from the airport authorities, perhaps if she was still under the airline’s responsibility, there should also be a letter from the local police, a letter from the hospital, including the local government,” Saleh emphasized.

Novita Sari, a Migrant Worker Advocate, recounted that the incident began when Hartini registered as a domestic worker intending to go to the Middle East in May 2022, through an intermediary known as SY.

Shortly afterwards, Hartini was processed and sent to a shelter in Jakarta. After one week in Jakarta, she was then provided with a ticket to Riyadh, Saudi Arabia.

From the moment BD left for Riyadh, her family in Lombok received no further information.

“Based on the information we received, she had an accident at Riyadh Airport. According to what we heard, she had a head injury and underwent surgery,” Novita explained.

Throughout the surgical and medical treatment processes, the family received no communication whatsoever.

“During this process, there was no information given to the family, neither at the time of the incident nor during her treatment,” Novita stated.

Three months after Hartini’s alleged fall at Riyadh Airport, the family was informed that Hartini would be repatriated due to her illness.

“They only mentioned she was sick, without specifying the nature of her illness,” Novita added.

Upon Hartini’s return on 3 September 2022, the family was shocked and devastated. Budi Hartini, who had departed as a healthy migrant worker, returned in a pitiful condition.

Her hair had been shaved due to surgery, and there were visible stitches on her head from a surgical procedure. She also had scars on her throat, rendering her unable to speak, relying solely on gestures. Hartini’s condition remains far from stable.

Accompanied by her family, Hartini has reported the alleged human trafficking case to the NTB Regional Police in hopes of obtaining justice.

“Our hope is to achieve justice because this has led to permanent disability and to deter other intermediaries,” Novita remarked.

Ni Made Pujewati, the Head of Subdirectorate IV at the West Nusa Tenggara (NTB) Regional Police’s Directorate of General Crime Investigation. (Photo: TribunNews.com)

In response to the case, Ni Made Pujewati, the Head of Subdirectorate IV at the NTB Regional Police’s Directorate of General Crime Investigation, stated that they would thoroughly investigate the recruitment process of victims sent to work in Saudi Arabia.

“We will delve into the facts of what the victim actually experienced, starting from the recruitment process, this is a fragment that needs to be explored,” Pujawati said on Monday, September 25, 2023.

The NTB Regional Police’s Human Trafficking Task Force, in collaboration with district police departments, has already uncovered 31 cases in 2023 involving hundreds of Indonesian migrant workers.

Among these cases, Hartini’s condition has been described as the most severe.

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