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1.

Politicians Death Sparks Debate on Debt Collecting Ethics BINUS


BUSINESS SCHOOL Group 2 : Business Ethics Brenda | Hendriana | Jefri |
Pramita Wardani
2. THE SITUATION PROBLEMS ANALYSISRECOMMENDATION THE ACTION
PLAN
3. THE SITUATION APRIL 2011 Octa Irzen went to the Citibank for make a
discussing regarding his credit card amount which rose from Rp 48 Million
to Rp 100. Heres the case then began to happen. He Octa Irzen who
sought to find a truth about his debt, then finally found as a death body.
Whos taking part of this tragedy? The answer then suspected to three
Citibank Debt collectors.
4. THE SITUATION JULY 2011 The prosecutor is then being questionable.
Because theres no continues process regarding this case. The prosecutor
Denies that they handling this case to soft. Reason lies behind their
statement is that they have to make a deep investigation about this case,
and have arrested three people who intentionally worked as a debt
collector for Citibank named Arif Lukman, Donald Haria, Boy Anto.
5. THE SITUATION SEPTEMBER 2011 Its a long wait for answer regarding
this case. As it is stated in the case that the member of Octa family has
been suffer because of this tragedy. They were looking for a justice, but
instead of even close to justice, what they have now is very big
questionable things. Moreover, they were wondering either government
has play a part to case close about Octa tragedy. Citibank has promise to
give the family an appropriate money, but it has no prove at all. Some
parties, who concern about this subject was giving a comment also,
regarding the use of debt collectors, either it are ethical or no.
6. PROBLEMS Doing business ethically could possibly just a matter of
word statement for some company, but regarding this case what
happened to the victim, is concluded as value inside Citibank Company.
Means that theres a value conflicts appear on it. Now, the problem for our
group would be Is the using of debt collector inside the bank which
causes a death consider to be ethical? Even though theres a permission
law about it.
7. ANALYSIS Based on what happened on this case, our group would
strongly agree that tragedy happened to Octa Irzen as a fatal unethical
business exercised. Below this is a figure of impact from this Unethical
Behavior:
8. ANALYSIS Stakeholders Impacts Citibank Loss of customers truth; bad
reputation; loss of profit; unstable internal and external organizational
condition. Family Disappointed feeling; suffer; traumatic; possibility of
discontinue studies; economically unstable. Government More entrusted
feeling coming from all parties including family, society, and international
public eyes, regarding the policy of banking. Community Creates public

aware of fear regarding debt collectors action; feeling of fear for bank;
feeling of entrusted of banking policy, and government regulations.
9. ANALYSIS Some slogans come from public comments: Citibank - well
beat anyone (for money) Citibank - Your privacy is assured (while we beat
you to death) Citibank - Dying under a mountain of debt? Let us help you
(die) Citibank - we can end your financial problems (and your life)
10. ANALYSISFor our group, it is no wonder why such of this comment can
be made,because since this tragedy happened community and public are
becomeaware of what is another bad action will come from any Bank in
Indonesia.So, what these suppose to be mean? It means, by doing any
unethicalcausing of murder will take part in a whole aspects of business
ethics studies. Talking about running a business ethically will be always
beconnected to the term of Value. What is value? Value is a system that
set apersonal principles formalized into a code of behavior. Whenever
theres avalue there will be a value conflicts as well. Value conflicts could
be classifiedas: Lying is wrong - doing lie in order to protect something for
bettercause of one parties. Stealing is wrong- steal something in order to
help another person. Killing is wrong- killed someone as a part of job,
doing so will have agood impact on the other side. And would definitely
help the best of otherparties.
11. ANALYSISBased on this case, value conflicts related to this case is the
first one and thethird. The reason lies, is that Citibank Company in any
action always refuse tosay the truth about what is going on, what is the
truth about what happenedwhich causing a death to one of their creditors.
It is completely tragedy, sinceCitibank was consider as one of the best
Bank in Indonesia. Moreover killingis still wrong, there would be no
objections regarding that issue. That is whyour group thought that in any
way, Citibank way of treating people is wrong.Whats actually going on
inside this company internal policy, culture andvalue?
12. RECOMENDATIONS When this case appear, things that comes out
from our group mind is how to solve thisproblem, what is the best way to
do in order to solve this problem. Somerecommendation would be: For
the Citibank In order to solve this problem, company should have a better
understanding about how to make a better decision internally and
externally so that every party could be mutually beneficial. Company
should re-make their internal rules and policies regarding collections of
debt, if possible evaluate each part of the company department in terms
of how well they are implementing company policy. Also company should
taking serious responsible regarding Octa Irzen case. For the
Government Again for the government, group would be suggested to
direct point in which do not cover what is actually happen by saving the
face of the one who consider to be one of the company that might be
shake up the Indonesian economic conditions. For the Police and Justice

bureau. Investigate clearly, and no matter what and how the fact should
be show up.
13. THE ACTION PLAN For our group it is obvious that problem about Is
the using of debt collector inside the bank which causes a death consider
to be ethical? Even though theres a permission law about it. Well, the
answer for this is definitely no. Consider to discuss about this case from
the basic of business ethics Doing the right thing. As a matter of gaining
the justice for the family member, those parties who are intentionally be
part of this murder actions should be:
14. THE ACTION PLAN For Citibank Company Simple tell the truthmeans that since this case is become a public secret, then Citibank should
tell the truth what is actually happen, and they have to give more
attentions for the family member. Applying the rules of appropriate
behavior for customers who ever it is, and for the community or society.
Means that to gain the community trust again seems to be hard right now,
but it is possible if Citibank establish again the new standard of ethical
ideas to apply inside this organization including the new code of ethics,
rules and policies, especially about how they manage their own internal
way of collecting the creditors debt. Applying good corporate governance
beliefs in the right way.
15. THE ACTION PLAN For the Government Since lately more unethical
business problem comes from Bank, so government should make a strictly
rules and policy for banking system. Talking about fraudulent, money
laundry inside the bank is common, but case about murder a person just
because of debt, it definitely become such a bad case that seriously
affected the communities way of seeing the rule and policy of banking
system made by government. So, our group suggests the government to
assist again the Law forces regarding this case. Government should give
more attentions to this case, by force the court of justice to find the truth,
either way even though finding out the truth might cause a public shock
and will shake up the Indonesian economic as a whole, but truth is still a
truth and the families deserve to find the truth.
16. THE ACTION PLAN The Police and Justice Bureau There is no other
suggested action toward these parties because, since they play an
important part of finding out the truth, so they have to find the truth until
the end of this year. It took so long, for the truth to be show up. Indonesia
is a country of law, ruled and command by the law. So, if law cant give a
truth, then when the justice will comes out.
17. THE ACTION PLAN Below of this diagram is a suggested value made
by our group to be apply in the organization so that something like this
will not going to happen anymore Integrity Orgabizational Respect Values
Honesty Safety

18. THE ACTION PLAN Diagram above shows that Every organizational
should have a core values in which: Respect valuing others rights,
opinions, and perspectives. Safety company should conduct a good
environment of work so that everyone feel safe to be in part. Integrity
living values in all activities, unified approach in doing business an d how
to treat others Honesty being honest is very important. Because it is a
part of doing the right thing and telling the truth.
19. THANK YOU

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