[ad_1]
Jakarta, CNN Indonesia – Digging the hole is never a habit Rina (44), who owns a small cafe in the city of Bandung, West Java. In addition to being good at regulating the money and discipline, Rina has experience as a former relationship manager the bank foreigner This enables him to use money, convert capital, regulate debt.
However, the corona virus that spread quickly in a short time weakened the business that has not even been a year. Closing a business in the last month is not a solution. Reopening its business last week has yet to produce results.
In the meantime debt collector keep chasing Rina. He has a credit card delay of Rp40 million that is used to buy tools and food ingredients for his coffee needs. In fact, all this time, he claimed that he never fell behind in paying the bills.
“Unfortunately, the tools and food have not yet been used, the coffee has been forced to close, the debt is running and needs to be paid. Also, the store rent, electricity, employee wages still have to go. be paid, while income is not available, I’m running out of cash, “Rina said quietly last weekend
Not to mention the costs of tuition for their two children, tuition, daily needs at home. In fact, Rina is the only source of family financing. He became a widow because her husband died 10 years ago. Naturally, if he described his head as if it were going to break.
“I asked for time to postpone payment, the goods for 10 days, while forcing me to open a cafe, so there was income. Uh, I was terrified, he said, I entered the WhatsApp group with the title ‘fugitive debt’. I am really hurt ” He explained.
Unable to accept this treatment, Rina went to a friend’s house. He mortgaged the sedan that has always accompanied him in the last two years, in order to obtain fresh money of Rp50 million. Savings have collapsed Rp. 85 million to close coffee operations and pay supplier bills.
“I paid it, a credit card, I immediately asked for it to be closed not willing to be treated with contempt. I said to my friend, leave the car for two months, then I will redeem it. “The cafe is open again, I hope that next month there will be revenue from online orders,” he said.
Three quarters of money. Krishna (37), a private employee, also claimed to be persecuted debt collector credit card in the middle of the covid-19 pandemic. Even more ironic, because the credit card bill is only Rp2,750,000.
“It was too late to pay four days because the company’s decision was to cut wages by 20 percent, continue to pay twice First Daily necessities please, I told the collector on my phone a permit to be late a week. I pay interest and fines. He replied well, “Krisna’s story.
NilalahJust the fourth day, Krisna was surprised when the WhatsApp ring on her phone rang continuously from credit card debt collectors. He did not answer. After a few hours, he had become one of the participants in the ‘debtor’ group that the previous collector had entered.
I had asked the purpose of the WhatsApp group. Instead of getting a response, he was verbally abused among people who dispersed outside the group. “I am so angry. I was so angry that I told him to come home to get the money.”
[Gambas:Video CNN]Krisna’s good intentions to pay in cash were not well received. The debt collector terrifies morning, afternoon, and night on his cell phone. Without pause until three days after the terror in the WhatsApp group.
“I kept the promise exactly one week. I went to the nearest branch of the credit card bank, returned the card, paid the debt. I said that if someone still called me, I would report to the FSA and tell reporters.” Krishna said.
A little story, Krisna has been a bank credit card customer for over 10 years. He was never late to pay. In fact, he claims he always pays the full bill. It is not a minimum payment. Unfortunately, a single flaw has closed its good record in the past 10 years.
“I give up. No want more business with that bank. “
In response, the president of the Indonesian Credit Card Association (AKKI) Steve Martha claimed not to have received the related report. However, he argues, all credit card issuers should have implemented the regulations as set out in the GDP (Bank of Indonesia Regulation).
“So I think you can inform the regulator. This is not allowed,” he said.
According to BI data, until February 2020, the value of credit card transactions reached Rp. 25.87 billion, with a transaction volume of 27 million. This volume increased 3.52 percent annually. “The delinquency rate (delinquency rate) is above 2 percent, still stable,” he said.
Pruned flowers
As of May 1, 2020, BI has implemented a new policy in the credit card segment amid the crown pandemic. In other words, reduce the maximum interest rate from 2.25 percent per month or 27 percent per year to 2 percent per month or 24 percent per year.
In addition, BI also reduced the late payment surcharge from Rp150,000 to Rp100,000. Meanwhile, the minimum payment, which is generally 10 percent of the bill, is now only 5 percent.
These minimum payment terms and late payment charges are valid only until December 31, 2020. However, the credit card interest provisions will continue to apply until there are more regulations.
BI Governor Perry Warjiyo seems to understand that credit card interest in Indonesia is too high. In fact, it hinted higher than other credit card issuing countries in the world.
According to Perry, the average interest rate on credit cards set by banks in Indonesia is 26.6 percent per year. “That is the highest in the whole world. Mbok degraded Since 2016 (last) was revealed. Now I finally agree again, “added Perry not long ago.
The easing of the new credit card policy by BI is expected to help the public transact via credit cards. However, this does not mean that BI encourages people to pay to meet their needs.
“This is not teach you to duty loh. But this is no longer a difficult time. So to facilitate virtual payments, “he said.
[ad_2]
