Kid 1: Mom's surviving, she isn't trapped by online credit (pinjol), amazing!!!

Kid 2: Cool!!!

Shop keeper 1: It's been three months already, you've taken 50kg of rice. When are you going to pay!!!

Shop keeper 2: You've taken flour, eggs, soy sauce, butter, tea, coffee, sugar, you always respond with later, later!!

Neighbour: We're you neighbours, but you owe us a lot!!!

Kid 2: pintok, pinwar, pintangga

While there has been considerable public discussion about the problem of online debt (pinjol) and the related problem of online gambling, there has been little said about the level of debt incurred by ordinary households who survive through credit from local shops (pintok), food stalls (pinwar) and neighbours (pintangga).

A combination of inflation and government restrictions on wage rises, contract labour and outsourcing have resulted in real wages declining or a best stagnating leaving many ordinary people (including full-time workers) struggling to make ends meet and forced to live in a constant cycle of debt.