Meet the Infamous Debt Collectors of Indonesia


It'' s rational, isn ' t it? After the '' Reformasi ' era of the Indonesia, the rule of law became much stronger. That is why there ' s always. Whatever you used it for, if you provided it to somebody else, that'' s not our problem or the bank ' s. I don'' t believe I ' m in an extremely good spot, actually … -Point at her.

Video Transcript: If I had the money, I would pay it.
Why would I. Yes, you have to pay!
You need to pay. It'' s your duty! Right now I really have no cash. Please, put on ' t talk to me like
I'' m here to obtain you for money! No,'I ' m here to make you pay your debts!- I understand,
sir. I understand.- You should alter your state of mind. You think we ' re trying to squeeze you
for the money. Why would we do that? Don'' t play the victim here. You ' re the wrongdoer So I'' m here in a normal Indonesian wedding in Jakarta. It'' s timeless. You have your people eating, greeting, dancing, singing … The distinction here is it'' s a. community of debt collectors. A few of Indonesia'' s most significant and.
powerful financial obligation collectors are at this wedding event. And many share one thing in common: They are from the Islands of Maluku.
in eastern Indonesia. Eastern Indonesia is made up of.
several hard to reach provinces. Lots of here at this wedding event are from a.
collection of Islands off the coast of Papua called Maluku. This area is frequently overlooked.
and Eastern Indonesians are regularly discriminated against.And denied work since of their darker skin and in your area perceived scary looks. There is one.
market the do control. Debt gathering. Ferry is among the old guard of the.
Indonesian debt gathering market. He'' s been collecting debt. considering that the early eighties. and has actually viewed the increase of financial obligation.
gathering in Indonesia and the fortunes of ethnic.
Maluccans with it. Today I'' m conference Ferry near a cluster.
of street-side dining establishments in South Jakarta that are regional hangouts for.
Indonesians from Maluku. – Excuse us.
– Yes, please take a seat Most people who operate in the financial obligation.
gathering industry are Ambonese.Why is that? People give us these jobs.
due to the fact that we look difficult. How can we come up to someone.
– Right. It'' s sensible, isn ' t it? For as long as I can keep in mind, Moluccan ' s have actually been used by the army for dangerous work.
– Why? Since of our bravery.- OK. During the New Order era of
the 80s,. laws about financial obligation gathering were unclear. The law was very vague,.
however that all altered after 1998. After the '' Reformasi ' age of the Indonesia, the rule of law ended up being much more powerful. Throughout that earlier period, was the way you gathered debts any different? -Yes, it was different.
– Like totally different or … Sometimes we utilized violence.
It depended upon the situation. -We can'' t do that anymore today.
– OK. It'' s totally managed now. A lot of individuals think that debt.
collection is an unsafe occupation or that it'' s difficult, or harsh,. do you believe that ' s real? Individuals presume we use violence,.
There'' s no evidence of that. It'' s just since people judge us on.
Because of this, Ambonese and. Moluccan individuals are considered frightening.
However'if you hang around with us,. you ' ll see that we are in fact kind.And we ' re very respectful. We really respect others. Don ' t judge people by their clothing. Or their'looks. We can ' t fit in their clothing anyhow,
. They put on'' t fit us? If you pinch me, I feel discomfort too.
-In the end, we'' re all human.- In the end, we ' re all the same. Individuals will laugh if we.
-It'' s not strong enough?
– Yes. -Yes. It ' s alcohol We are the hooligans! So, I simply got done hanging out at [ Incomprehensible] … had a chat with Ferry.
He'' s a well known debt collector.He was simple and rather open to talk to. However I feel like there were a few.
things that were left unanswered or unsaid which makes me more curious.
about this entire industry. Ferry gives the contact of an active.
debt collector named Jemmy Tatoo. Who agreed to let us join him.
Usually, when we accept a case, we'' ll have a rundown here'and I ' ll arrange the boys. I'' ll provide the case to who I believe has the finest abilities for the task.
while others look more frightening. Everyone has their own role in.
putting pressure on the debtor to pay. After we push them, we ask to.
believe of a method to fix the debt. And if the debtor is a bit resistant,.
we will generate a great deal of people … -Like how many individuals?
– Hundreds of individuals. It'' s to make certain that the. debtor'won ' t fight back. That is why there ' s always. a team ready for backup. Backup? Just on standby? Yes, they'' re on standby.
Those are the people who bring the tools.When you talk about “” tools,””.
what are you actually speaking about? Well, in the meantime, we just utilize machetes. And if they can'' t pay off the financial obligation'in cash, then we ' ll take whatever properties they have.
Today, we are going to. use the waiting game. For how long do you normally wait? It can be up to 5 hours. -It can be a day.
– We may even sleep there. -That'' s took place before?
– It has. We'' ll wait up until the debtor gives up and comes up with a method to pay us. I'' ve heard that there'' s a particular.
profession course in this market. How do you earn respect and go up in the industry? In order to be respected, you have to.
You can'' t ended up being. If a person is beaten up.
by somebody lower than him, -that lower guy gets …
– promoted? -And makes regard?
– Right. I fought with John Kei and Basri. This scar is from John Kei. Let'' s just state that I. won a great deal of “” points.”” I'' ve been secured 16 times.Once for murder, two times for combating. I have about 20 good friends.
who are in prison today. My time in jail was one of the most.
important experiences I'' ve ever had. Jail resembles this special school.
I learned a lot in there. You will end up being more knowledgeable,.
and increase up after you go to prison. We can get more tasks. Jeremy, have you ever felt afraid.
or unpleasant while on the task? Yes, I'' ve been frightened'.
It ' s regular. Every human feels afraid in some cases. If, you will pass away much faster.
We have just left Jemmy'' s office. I'' m signing up with Jemmy on a. objective today with his boys.
who owes 3.4 billion Rp This is a huge quantity of money,.
enough to purchase a high-end house.And this is also Jemmy and his boys.
What'' s the background of this debtor
? What ' s her occupation?
construction materials. She used a home as collateral.
to be able to open some new stores. In the loan agreement, she guaranteed.
to settle her debt in installations to the bank. But she didn'' t keep her guarantee. She hasn ' t paid back.
anything to the bank. We need to find out.
a solution to make her pay.Today, at least we have to.
gather Rp 500 million [$ 35,000 USD] from her. -It'' s the one near the blue building?
– Yes, that'' s it.
-It ' s that one. Throughout the street you can the building and construction company where they ' ve just gone in. They wouldn ' t let me go in to not.
[From the bank], that'' s all.
Our objectives are in-line with. We'' ve come here to ask you to. I provided all the money to my friend.
the owner of the house.Please return the cash! We wear'' t wish to hear some story about whatever you'' ve utilized it for. You ' re the one who asked.
Whatever you utilized it for, if you gave it to somebody else, that'' s not our issue or the bank ' s. We don ' t want to pay, due to the fact that we. That ' s according to you!
arguing, then this will never ever end. I wear'' t want to fight about this.
I desire you to be my pal. So that if anything occurs,.
you can assist me out. I believe the only solution is that you require to provide me time to offer my properties. If I can'' t offer them, we can have another discussion about how to pay the financial obligation, OK? – I can'' t do that.People will think …
– Please sir, please! I can'' t lose my credibility. with this task. -You won ' t.
This can be between us. -I desire to see a program of good will.
Don ' t make me call all your providers. and embarrass you in front of them. You would lose a great deal of people ' s trust then.
2 of the team or on the guard. outside under the Indonesian sun which I believe is probably 30 degrees,.
it'' s dirty out. Nobody has consumed. They are still waiting. You can see it is not a glamorous job. -You'' re not insane right. -I ' m not. You ' re not a crazy individual who secured a loan without knowing how to pay it back.- I know what I ' ve done extremely well.- I believe you are really logical.
It ' s your responsibility! Right now, I truly have no money.Please, put on ' t talk to me like I'' m here
. No, I '
m here to make.
– You must alter your frame of mind. You think we ' re trying to squeeze you.
– Don ' t play the victim here. You ' re the perpetrator!
– I told you, it doesn ' t matter what you do …- Bullshit!- I still wear ' t have any cash.- You made a pledge.
– Well, I just put on ' t have any money.- Don ' t resemble that!- Just take your home.- Yeah, simply take it! Stop it, that won ' t resolve anything. I was telling him that we weren ' t. attempting to
steal the cash.- Please, provide us time to talk.- OK, just how much time do you need? It
won ' t take long. I simply'require to. Understand the circumstance.
– That ' s why I asked you how long. Either this Wednesday or this Thursday, we'' ll go to the bank.We have to go to the bank, mom. We have to solve this issue, otherwise, we ' ll simply keep going in circles.
head method with this case. Considering that that.
Today went well, due to the fact that they promised to go to the bank and make a deal to settle their debt. What was the mom'' s technique? The mother didn ' t provide in at all.
Once the boy came,. she accepted go to the bank. This meant that everybody was.
When they feel daunted, they will try to do anything to resolve the issue. If I have financial obligations, and I feel daunted, then I can deal with that.But if my children, or my better half, are daunted by somebody since of my debts, that'' s typically when somebody breaks.
did you feel any pity. The consequences of taking.
other things are even worse. , if you steal a motorcycle in Indonesia.
you may be burned alive or eliminated. However these individuals are the genuine burglars.
They basically take loads of money yet they rarely feel guilty. They are just playing the victim while.
they'' re really the primary perpetrator. They are real burglars. If we rely too much on our sensations,.
then this job is not for us. Afterwards Jemmy took us to a commercial part of north Jakarta called Tanjung Priok. This is a local hangout.
He'' s high and rather and. He is highly appreciated by everybody in the area. Men from the other communities.
wouldn'' t dare to come here.-No one is brave enough to come here?
– No. -They put on'' t have the guts?
They wouldn'' t dare messing with us. -Strong bonds that were formed in and out of jail.
– OK. Are there any tools here, like.
Just take a look, take it out. We even have a lighter.
that looks like a weapon. This is to cut off naught hands. You bring this with you daily? It'' s simply a preventative measure.
If we need it, we use it. I spent the entire day hanging out.
with this community of debt collectors. Something thats really palpable, the.
primary thing is the sense of community. Even for me as an outsider they have.
been open and welcoming. So I truly sense and feel.
this brotherhood in spite of the general perception in Indonesia, that financial obligation collecting is simply a lot of street thugs.Everything they revealed me is that.
this is actually just a huge family. While it seems that most of what occurs in debt collecting uses to low level individual financial obligations These kind of debts, even little ones, can have a huge effect on the national economy. A high percentage of.
non performing loans combined with poor federal government monetary.
policies led to crisis in the past, like the banking collapse in the 90s. I talked to financial professional,.
Ligwina Hananto about why the financial obligation collection industry.
is so crucial in Indonesia. It'' s crucial for banks to have. a healthy credit system and structure. Debt collections are essential.
to lower the quantity of uncollectable bills. There'' s no magic option.
It'' s that simple. As long as individuals take out loans.
without a proper payment plan, then problems with bad.
specific debts will keep occurring. And this can lead to something.
unsafe for the country'' s economy. It ' s like a time
bomb that will. blow up within the next 15 years. In spite of their essential role in the.
economy Maluccans are still viewed as part of the underworld.
by many Indonesians.Many Maluccans are attempting to shake.
the criminal stereotypes connected to them. Marsyel is the CEO of a.
regional security services company. Much of his staff members are.
from eastern Indonesia. He'' s attempting to put a genuine face on a company seen as the domain of the underworld. I'' m the leader of a few companies. Individuals under me see me as a role model. I'' m generally a celebrity.
in financial obligation collecting industry. if we show them something negative.
Their lives will get even worse. We wish to assist them.
become successful, so they can make their households.
happy and live a much better life. -This is the execution room.
-It'' s soundproof?- Yeah, it'' s soundproof.
who have bad financial obligations. They can speak about anything here.
They laugh, smoke, anything. It smells like cigarettes?
however no one is going to conserve you. This is one of the markets that.
assists protect the country. In order to make this nation strong.Business requires to be healthy Together we are preserving.
the health of the economy. through financial obligation collection and making sure that debtors settle their financial obligations on time. If the economy is healthy and individuals are flourishing, our defenses will be strong. The debt collection industry works.
carefully with the Indonesian elites. When you'' re discussing truly high debts, normally this takes place within big corporations, right? Those boys in the street wouldn'' t even. understand this example.'They wear ' t have the opportunity. to hang out with these huge names. Since of my background in the.
martial arts world and other organizations, I have the opportunity to be.
amongst the country'' s elites.My job is to handle.
coordinators like Jemmy. They can get.
I assist make it so they wear'' t appearance at our young boys like they'' re some random punks. How can you alter this frame of mind to make it seem more expert or something to be happy of? I do'' t desire Ambonese people.
of residing on the right path. By doing this, the industry might.
have a possibility in the future. Our objective is to see the success of every.
Ambonese kid all over Indonesia. After showing me around his workplace, Marsyel began to introduce me to some of the men who work for him. They all have their own special skills. These two guys supposedly find people using their senses to feel individuals vibrations. I wasn'' t persuaded so I chose.
to put them to the test. Sometimes, I request for their aid.
to find people who are hiding.-The debtors?
– Obviously those who conceal are debtors. We can show you if you desire
. Go hid, and they'' ll cover their eyes and find you. I wear'' t believe I ' m in an excellent area, in fact … -Point at her.
Come down or you will fall. Why would you even conceal that far? She'' s posing like this.
– She'' s waving like this. I'' m here at … Jakarta.
she is the head of advocacy and has been with people going through.
debt collection for the previous 8 years. We need to see this industry.
from two sides.If we see it from the civil law,.
or from the financial obligation, then the bad man is a debtor. The way to fix this kind of.
case is utilizing the systems of civil law. It can be through mediation or.
setting up an installment plan. It'' s a various story if a debt collector devotes a crime while attempting to collect. By frightening or.
torturing somebody psychologically. In our cases, normally the debtors tell.
us that they plan to pay their debt. The financial obligation collectors keep coming.
at them and frightening them.-So, they end up being frightened?
– Yes, they'' re terrified. That ' s the offense of. their human rights. Financial obligation collectors are not.
lawfully permitted to intimidate. Perhaps they are forced to do that, because of the needs of the customers. They can'' t earn a living. if they don ' t do that. What people put on'' t know is. that banks are fully liable for the effect of their.
collaborations with third parties. So if the financial obligation collector, or the financial obligation collection firm, threatens somebody, the banks are also accountable. However, in truth, they often.
put their hands up and say, “” This is an individual issue between the financial obligation collector and the debtor.”” Even though those sort of infractions.
happen really typically and are methodical. While they may appear like.
a lot of difficult guys you can'' t assistance but wonder if they.
are likewise in a way victims too. Victims of a society that.
marginalizes Eastern Indonesians and banks that have no issue exploiting these stereotypes to get their money. There are ties that link Marsyel.
to the financial obligation collection world and there are ties that.
keep him there too.As discovered on YouTube – Creative Commons License.

License: Creative Commons