Perusahaan China di Balik Pinjol Ilegal - Terjerat Pinjol (Part 3) | Mata Najwa

Summary

The transcript discusses the illegal practices of online loan companies in Indonesia. A former employee reveals how these companies access and misuse personal data from users' phones, including contacts and messages, to terrorize them into paying their debts. The conversation highlights how these companies evade regulations by frequently changing apps and identities, and the tactics they use to intimidate borrowers, including fake threats of physical visits. The discussion concludes with the need for legal action against these fraudulent practices.

Takeaways

• 🔒 Illegal loan companies access personal data from users' phones by exploiting permissions granted in their apps.
• 💸 The illegal loan companies intentionally shorten the repayment periods to deceive users, causing them to fall into debt more quickly.
• ⚠️ The collection methods used by these companies involve intimidation, threats, and harassment, despite the lack of physical enforcement.
• 💰 Debt collectors working for these companies receive bonuses based on the number of successful collections, incentivizing aggressive tactics.
• 🚫 Illegal loan apps are frequently blocked by platforms like the Play Store, but the companies quickly create new apps to continue operations.
• 📱 Even after an app is blocked, users are provided with new download links via WhatsApp to continue using the services.
• 🌐 These companies are often owned by foreign entities, such as from China, but operate locally in other countries.
• 🎭 The intimidation used in collections often involves psychological tactics, such as pretending to send agents to users' homes.
• 👮‍♂️ There is a strong call for legal action against these illegal loan companies due to their unethical and illegal practices.
• 📢 Victims of these schemes often face extreme stress and harassment, with their personal contacts being targeted as part of the collection strategy.

Q & A

What does 'd'collection' refer to in the context of the illegal lending operations?

'D'collection' refers to the debt collection department in illegal lending operations, responsible for recovering money from borrowers through various methods, including harassment and threats.

How do illegal lending apps gain access to personal data on a borrower's phone?

Illegal lending apps access personal data by requiring borrowers to grant permissions to read messages, phone calls, and contacts as part of the app's installation process. This data is then exploited to harass the borrower and their contacts.

How do these illegal lending companies continue to operate after their apps are blocked or removed from platforms like Play Store?

When an illegal lending app is blocked or removed from platforms like Play Store, these companies create new apps under different names or provide direct download links to users via messaging platforms like WhatsApp, allowing them to continue their operations.

What motivates borrowers to pay off their loans under the threat from illegal lenders?

Borrowers often feel compelled to pay off their loans due to the harassment and threats they receive, such as the dissemination of their personal information or false accusations, which can cause embarrassment and distress.

What are some of the deceptive practices used by illegal lenders regarding loan repayment terms?

Illegal lenders often deceive borrowers by initially offering favorable repayment terms, such as a one-month loan period. However, in practice, they begin demanding repayment within a few days, creating undue pressure on borrowers.

How do illegal debt collectors intimidate borrowers into paying their loans?

Illegal debt collectors intimidate borrowers by threatening to send field agents to their homes or workplaces, although this is usually a bluff. They use these threats to instill fear and force the borrower into repayment.

Do debt collectors working for illegal lending companies receive bonuses for successful collections?

Yes, debt collectors working for illegal lending companies receive bonuses based on the number of successful collections they make. This incentivizes them to use aggressive and unethical methods to recover money from borrowers.

What challenges do authorities face in shutting down illegal lending operations?

Authorities face significant challenges in shutting down illegal lending operations because these companies can easily create new apps or rebrand themselves under different names, making it difficult to track and eliminate them permanently.

What are the legal implications of the tactics used by illegal lending companies?

The tactics used by illegal lending companies, such as harassment, unauthorized access to personal data, and threats, are considered criminal activities that can lead to legal action for fraud, invasion of privacy, and other related offenses.

What steps can individuals take if they become victims of harassment from illegal lenders?

Victims of harassment from illegal lenders can report the incidents to local authorities or financial regulatory bodies. They should also avoid engaging with the lenders and consider legal action to protect their rights and stop the harassment.