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In Indonesia’s Jakarta Bay, thousands of families are trapped in debt as they harvest green mussels, one of the last surviving life-forms in the increasingly polluted waters. But as the bay offers less, their loans snowball, trapping them in an endless cycle of debt. That pushes them back into the toxic waters that have already killed two-thirds of shellfish in the bay.

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Transcript
00:01These grain mussels are popular food across Indonesia.
00:07But the bay they come from is full of mercury, lead, and sewage
00:12that's slowly killing the mussels.
00:16Now, divers like Tajuddin can't easily find them.
00:28To survive, many fishermen are turning to predatory online lenders,
00:33sometimes based in China and the US.
00:37They charge high interest, trapping people like Tajuddin in a cycle of debt.
00:50To pay it off, entire families like Tajuddin's wife and 13-year-old son also need to work.
01:04Even then, they're often short on money, so they have to borrow from their bosses.
01:15So how did one of Indonesia's most popular seafoods become part of a system of modern-day slavery?
01:24And as the sea grows poisonous, what happens to the people who still depend on it?
01:36This is one of Jakarta's poorest areas.
01:41Locals call this neighborhood Green Mussel Village,
01:44named after the one life form that sustains almost every resident here,
01:50including 13-year-old Muhammad Hisiam Musyafa.
02:00Nearly every day for the past five years, he's sat beside his mother, Siti Komala,
02:07racing to shuck at least three kilos of muscles.
02:33But even with years of practice, Muhammad still gets hurt.
02:38He's got hurt.
02:43He's got hurt.
02:45He's got hurt.
02:45He's got hurt.
02:46He's got hurt.
02:47He's got hurt.
02:48He's got hurt.
02:48Despite that, Muhammad says he couldn't imagine spending his days any other way.
03:03The muscles he works on were pulled from the Jakarta Bay by his father, 42-year-old Taichuddin.
03:10Just a few years ago, he could still earn a living fishing near the dock.
03:23But now, there's trash all along the shore and in the water.
03:32Today, to earn anything from this bay, Taichuddin has to go far off shore, making the job much more dangerous.
03:41Ya, selalu saya pribadi, dibilang rasa takut itu memang ada.
03:47Ya, awal-awal lagi belajar pun sempat panik.
03:50Ya, mau nggak mau, suka nggak suka, enak nggak enak, ya saya tekunin terus.
03:55Dari pada saya nganggur.
03:58His brother claims their diving spot before dawn.
04:03This is the only way to make a living for those like Taichuddin, who didn't go to school past ninth
04:09grade.
04:11Nggak ada profesi lain lah, sampingan, atau yang lain lah.
04:16Saya putuskan, saya udah lah, kerja di laut.
04:21The mussel farm he works on is a line of buoys, anchored by ropes to the seabed.
04:42The creatures cling to the lines, growing in tight clusters.
04:47Taichuddin sometimes swims down 15 feet to reach them.
04:51The shells are razor sharp.
04:54So, divers wear gloves to protect their hands.
05:01Taichuddin stays under for about 45 minutes at a time, until his basket is full.
05:07He will sell the mussels back to his boss, who owns this farm.
05:11But at below market price, in exchange for being allowed to work here.
05:18Bebannya kan berat, ditaruh di pundak kan.
05:24Kan berulang-ulang, nggak sekali, dua kali.
05:27Itu yang bikin kita lelah, capek.
05:30Sampai kadang napas juga pegel.
05:37Orang-ulang.
05:39Pu�h.
05:43Pagetawai.
05:44In a single day, divers make this trip down and back up about a dozen times.
05:54While he's diving,
05:55Dayudin's only air comes through a thin tube,
06:00connected to this rusty compressor that often breaks down.
06:05Dayudin has already seen 10 of his friends drown this way.
06:20I haven't seen it yet.
06:23When I took it, it was already finished.
06:28When I climbed up, I went to Perahu.
06:33Because of the pollution,
06:35just swimming here can cause cancer and skin diseases,
06:39especially if the water gets into open cuts.
07:04The native green mussels, on the other hand,
07:07are struggling to survive in the polluted Jakarta Bay.
07:10They are filter feeders,
07:12which means they survive by sucking food particles,
07:15even toxic ones, from the water.
07:17But they have limits, too.
07:20When mussels absorb too many heavy metals,
07:23like lead and mercury,
07:24they become deformed and can stop reproducing.
07:28At one point, researchers found deformities
07:31in about 60% of the mussels farmed in this bay.
07:34Eventually, populations begin to decline.
07:38And so do the incomes of these fishermen,
07:41who are forced to take out loans just to get by.
07:45Two years ago, Dajuddin borrowed the equivalent of a couple hundred dollars
07:50from an online lending service
07:52to pay for his children's schooling and other household bills.
07:55But he had to put up his boat as collateral.
07:59The deal was payback $58 a month.
08:02He isn't sure what the interest was,
08:05but experts say some online lenders charge up to 60%
08:09due with each monthly installment.
08:12If Dajuddin missed three payments, he'd lose the boat.
08:24With not much money coming in, Dajuddin had to give up his boat
08:28to pay his debt.
08:30Online loans have become common in his district,
08:33where thousands of people depend on the bay to get by.
08:37They suffer from high unemployment
08:40because of the severe environmental degradation.
08:45So the bank itself see that those kind of area is very risky.
08:49So it's very hard for them to apply for the bank loan.
08:53That's why workers have turned to online lenders instead.
08:57Between 2018 and 2025, the amount Indonesians borrowed annually
09:02from these services jumped from about $220 million to $5 billion.
09:08But many of these services are illegal and have ties to companies or operators abroad
09:15in places like China, Singapore, and the United States.
09:19They've stepped in to offer small loans, often just a few hundred dollars,
09:24that traditional banks typically won't provide.
09:27The Indonesian government can't do much,
09:30because the money moves through informal transfer systems and middlemen.
09:35So it's hard to trace.
09:37The loans often come with steep interest that can be impossible to pay off.
09:43So when there is an overseas platform,
09:46of course they don't have office, they don't have employee in Indonesia,
09:49they try to use the third-party debt collector,
09:52which is very, very dangerous.
09:54And then they use the third-party to harass physically.
10:01Daichu Dean has experienced that first-hand.
10:05This is how the language is almost forgotten.
10:07The meaning of the language is that it's a bit difficult.
10:10It's a bit difficult.
10:12It's a bit difficult.
10:15It's a bit difficult.
10:16At that time, I had a discussion with my sister.
10:19How are you?
10:20It's a bit difficult.
10:24So to pay off the online lenders, many fishermen turn to their employers.
10:30Daichu Dean says his boss gave him a loan without charging any interest.
10:34But now, he has to return to this toxic bay almost every day to pay off the debt.
10:43Jakarta Bay is one of the most polluted bodies of water on earth.
10:47Thirteen rivers flow into it, carrying with them untreated waste from dense neighborhoods and industrial zones.
11:10Environmentalists say pollution here has gotten especially bad since Indonesia passed the omnibus law in 2020.
11:17It was meant to create jobs by attracting foreign investors.
11:22But critics say it prioritized economic growth at the expense of environmental accountability.
11:28And that's one reason many factories that pollute never get audited or penalized.
11:34But that pollution has killed off at least 50% of fish species in Jakarta Bay since the 1970s.
11:42And about two-thirds of shellfish since the 1930s.
12:05These days, the men have to stay out in the toxic water twice as long as they used to, to
12:11catch the same amount of muscles.
12:14All to pay off the debt they owe to their bosses.
12:18Experts say this is a form of modern-day slavery.
12:23Workers have no way of fighting back.
12:2690% of them don't have written work contracts.
12:29So their bosses can get away with underpaying them.
12:35Daichu Dean, for example, collects 15 sacks a day, but is paid just 74 cents for each of them.
13:05Once the fishermen hand over their sacks, the muscles usually go to factories.
13:12Like this one, where workers boil them.
13:20Inside these giant cauldrons, heat kills the muscles and their shells pop open.
13:26Making them easier to shuck.
13:29Yeah, if the new ones come, they say it's smell.
13:31Why the smell is like this?
13:33But if the ones are used here, it's not.
13:35The smell is money.
13:39Daichu Dean's wife, Siti, has been peeling muscles at this factory for 12 years.
13:47She took the job after her husband's income could no longer feed the family.
13:52Now, she helps keep food on the table.
13:55But when money runs short, Siti turns to the same fallback as her husband.
14:01Borrowing.
14:06Like her husband, Siti says she tried to avoid borrowing from her boss.
14:10Because she knows that kind of loan keeps workers tied to this factory.
14:24So, Siti borrowed from the same online lending service that cost her husband their boat.
14:31She put up her motorcycle as collateral.
14:34The one her family would use to transport muscles.
14:38That allowed her to take out $290.
14:41She had to pay it back within six months.
15:07Siti had seen how the lenders physically threaten people if they couldn't pay up.
15:12So, she decided to give up her money.
15:15She cried.
15:17She cried.
15:19She cried.
15:20She cried.
15:21She cried.
15:21She cried.
15:22She cried.
15:22She cried.
15:24In fact, in the first half of 2025 alone, the Indonesian Financial Services Authority said
15:30it received almost 4,000 complaints about the behavior of online debt collectors.
15:39Siti usually works until 9 p.m.
15:42Or until this pile is gone.
15:44The muscles she peels now just go toward paying back her debt.
15:49Without cash coming in, Siti can't even afford basic things like disinfectant.
15:55To treat the cuts she and her son get from shucking all day.
16:05To afford a meal like this, she needs to ask for an advance.
16:10There's rarely any money left over when her children ask for a treat.
16:21She sells the shucked mussels to the supervisor who weighs them and pays her by the kilo.
16:28Sometimes, when the hall is smaller, Siti won't make more than $2 a day.
16:35The mussels arrive at larger factories where they're washed and sold for 17 cents per kilogram.
16:44But they're dangerous to eat.
16:47Surveys found microplastics in every single sample tested.
16:52And heavy metals in many of the mussels.
17:04Those substances may cause birth defects, paralysis, and even cancer.
17:26The Indonesian government has already issued public warnings.
17:32But for poorer families, avoiding these mussels isn't easy.
17:37They are one of the cheapest protein sources available.
17:41Much cheaper than beef, eggs, and sometimes even chicken.
17:45That's why people still buy them.
17:52Even restaurants like this one, which gets them fresh.
18:06Ahmad Sodikin has been preparing them at Babak's seafood restaurant for 11 years.
18:34Abdul Rahman eats here about once a month.
18:55But lately, eating his favorite dish has raised a question he can no longer ignore.
19:02What is this costing his body?
19:07Siti has those same concerns sometimes as she prepares mussels for her family.
19:13But the food helps them scrape by when grocery money runs low.
19:28As mussel income continues to drop, the family has started selling the few possessions they
19:34have left at home for extra cash, something they try to hide from their children.
19:41They didn't understand.
19:43Sometimes they say they don't have a car, they say that.
19:48They don't have a car or they can go to the town, they can take a car or go to
19:52the village and they can buy them again.
19:54They say, well, now I bought another car.
19:56What's that?
19:58I'm looking for my parents, I'm looking for a bad thing.
20:09Though Muhammad is just 13, he notices the things debt is slowly taking from them.
20:25His dream is simple, the freedom pollution has taken from him.
20:31Kira-kira hal apa sih yang membuat kamu paling tenang setiap hari?
20:36Bisa bermain dengan teman-teman di lapangan, berenang di laut.
21:00Kira-kira hal apa sih yang membuat kamu paling tenang setiap hari?
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