Jakarta, CNBC Indonesia – The World Bank revealed that online motorcycle taxi (ojol) drivers and other online workers have difficulty paying debts and do not have emergency funds.
In a World Bank report entitled Working Without Borders: The Promise and Peril of Online Gig Work, The World Bank estimates that 6-7 percent of informal workers in Indonesia are online freelancers such as ojol. Of all workers who depend on these online platforms, 63 percent of them work in big cities.
The majority of their types of work are delivering goods (44%), delivering people such as motorbike taxis and online taxis (35%), daily tasks such as shopping for other people (28%), and logistics (19%).
Seeing this phenomenon, Indef Economy Nailul Huda revealed data from FINDEX, namely that only 32.75 percent of workers in Indonesia were able to provide reserve funds for the needs of the next 7 days.
Compared with other countries, this percentage is relatively small. On average in other countries, 40 percent of workers are able to provide funds for the next 7 days. However, this is the situation of workers in general, including those in the formal sector who have a fixed salary.
For workers in the informal sector, the situation is much worse, including drivers who do not have a decent and steady income. They do not have sufficient capacity and reserve funds.
“That’s why it’s not uncommon for informal workers to be in debt left and right,” said Nailul to CNBC Indonesia, Monday (11/9/2023).
They also have difficulty owing money to formal financing institutions such as banks. It’s not surprising that many of them run to individuals such as families, loan sharks, pawnshops and online lenders to borrow money.
To decide this, an automatic system is needed that provides social protection services from the applicator.
“I often say that there must be a win-win system between drivers, platforms and consumers to provide travel protection,” he stressed.
Also, the importance of additional costs for travel insurance using ride-hailing or courier services.
Then, the platform provider can also provide relief from BPJS payments in installments for driver partners so that it is not too burdensome and can provide social protection.
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