Legal Fintech Lenders Has Clear SOPs in Debt Collection

The public has to be more careful about lending offers from illegal fintech lenders, especially amid a difficult economic situation due to the COVID-19 pandemic. Unethical debt collection, such as disseminating customer personal information or data, threatening or tending to use thug methods and other debt collection forms that are unsettling to customers are examples of practices carried out by illegal fintech lenders which is under intense scrutiny.

Responding to this, the President Director of PT Pembiayaan Digital Indonesia (AdaKami), Bernardino M. Vega Jr., urged the public to apply for a lending from legal fintech lenders that has an official/registered license and is supervised by the Financial Services Authority (OJK) and is a member of Indonesian Joint Funding Fintech Association (AFPI).

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For your information, one of the requirements for fintech lenders to obtain registered status at OJK's Directorate of Regulation, Licensing and Oversight (DP3F) is to register as a member of the association. AFPI itself is the official association for information technology-based lending services in Indonesia, appointed by the OJK based on Letter Number S-5/D.05/2019.

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"AdaKami is one of the fintech lenders who are also the member of AFPI. As a member, AdaKami received various pieces of training and certifications from AFPI, so that it has standardization in running business activities as an organizer of peer-to-peer (P2P) lending in Indonesia," Bernardino said.

According to Bernardino, certification for debt collection staff is one of the mandatory certifications that must be followed by fintech lenders who are a member of AFPI.

"AFPI’s certification for debt collection staff makes AdaKami's collectors have a clear SOP for invoicing customers." Bernardino said.