eCommerse belanja online yang terus menjamur dalam dua tahun terakhir ini, dalam persaingan menjaring konsumen diantara aplikasi, dibuatkan fitur paylater, dengan tagline 'beli sekarang bayar besok' yang dibuat Shopee. Namun dari sekian aplikasi tersebut, baru satu yang benar - benar eCommerse Belanja online paylater, yaitu aplikasi Kredivo.
Sementara yang lainnya Akulaku, Shopee, Lazada, Allobank, begitu dengan myBCA tidak lebih hanya bagian dari alat untuk menarik banyak konsumen. Kenapa demikian?
Akulaku, ketika Anda membuat akun Akulaku, aplikasi tersebut langsung memberikan limit paylater yang bisa Anda belanjakan, namun tidak serta merta bisa difungsikan. Sepertinya Anda harus menghabiskan uang kontan dulu berbelanja di Akulaku, itu pun tidak kecil, bisa 700rb sd 1 juta. Jika belanja dibawah itu, paylater akulaku hanyalah pajangan aplikasi.
Dalam hal ini bisa dikatakan Akulaku tidak bermodal untuk mengadakan fitur paylater. Hampir setali tiga uang dengan semodel yang dibuat Charles Ponzi. Bagaikan sebuah jebakan konsumen.
Shopee, dan Lazada ini juga sama dengan Akulaku. fitur paylater tidak dapat digunakan ketika Anda membuat akun di aplikasi tersebut. Jadi Shopee, dan Lazada pun tidak bermodal untuk menawarkan paylaternya.
Allobank yang katanya dari korea selatan yang katanya bekerjasama dengan perusahaan milik Chairul Tanjung "transmart", yang dia juga bagian dari komisaris pembuat pijol yang digunakan rektor ITB untuk menekan mahasiswa yang kurang mampu untuk atau dipaksa menggunakan aplikasi tersebut. Jadi dia ini orang kaya yang seperti tidak punya keinginan mencerdaskan kehidupan bangsa sebaliknya seolah mau memeras anak-anak cerdas kurang mampu secara ekonomi calon penerus negeri ini.
Allobank promo paylaternya yang jor-joran, bahkan Anda sudah akan tergiur saat buka akun ada tulisan paylater hingga 100juta. Ini hanyalah akal-akalan allobank saja, agar Anda menyimpan duit di Allobank dan bertransaksi menggunakan Allobank.
Selama Anda tidak melakukan itu di paylater Allobank, paylater tersebut hanyalah pajangan di akun aplikasi Allobank Anda.
myBCA ini juga sama, sekalipun Anda adalah nasabah lama, belum tentu serta merta paylater myBCA berfungsi.
Kredivo, hanyalah Kredivo yang benar - benar aplikasi paylater, aplikasi ini bermodal, karena ketika Anda membuat akun, otomatis paylater bisa digunakan. Berbeda dengan aplikasi yang disebut diatas (Akulaku, Shopee, Allobank dan MyBCA), tidak lebih aplikasi yang tidak bermodal, hampir semodel dengan ponzi.
Tentunya fasilitas paylater yang diberikan Kredivo harus Anda gunakan dengan bijak, yakni tidak melebihi batas kemampuan finansial Anda.
Kami disini penulis, bagian dari bangsa Indonesia, memiliki tanggung jawab moral untuk mencerdaskan kehidupan bangsa, agar bangsa ini tidak terjebak kedalam perangkap para opportunis yang menghancurkan kehidupan bangsa secara ekonomi. Opportunis yang hanya peduli dengan kantongnya sendiri.
Bangsa Indonesia harus maju dalam pendidikan di semua lapisan agar tidak mudah dibodoh-bodohi (dengan jebakan "iming-iming") oleh serangan yang datang dari dalam maupun luar.
Houthis Claim Attacks Against Two Vessels, Two US Destroyers
Houthi supporters during a rally held in solidarity with Palestinians in the Gaza Strip, in Sanaa, Yemen, April 19, 2024
Yemen's Houthi movement Ansar Allah has delivered strikes on two commercial vessels, Cyclades in the Red Sea and MSC Orion in the Indian Ocean, the movement’s representative Yahya Saria said.
The spokesman added that the movement delivered drone strikes on two US destroyers in the Red Sea. According to him, the hits "reached their targets."
Yemen's Houthi group said on Monday it had launched attacks on two U.S. warships and two commercial vessels linked to Israel, in what it described as retaliation for U.S. and British involvement in Yemen.
The group, which controls much of northern Yemen, said it targeted the American warships with drones in the Red Sea. "These operations have been successful," said Yahya Sarea, a Houthi military spokesman, in a statement broadcast by the Houthi-run al-Masirah TV.
🚨🇾🇪 BREAKING: The #Yemeni Armed Forces announce the targeting of two American warships with drones in the Red Sea, targeting the ship "CYCLADES" with drones and missiles in the Red Sea, and targeting the "israeli" ship "MSC ORION" with drones in the Indian Ocean.
Meanwhile, the U.S. Central Command said it intercepted on Sunday five Houthi drones in the Red Sea in a post on social platform X.
The Houthis also claimed responsibility for an attack on the CYCLADES, a cargo vessel they say was previously blacklisted by the group for violating the Houthi ban on ships traveling to Israeli ports. "The vessel was accurately hit in the Red Sea after it left the port of Eilat," Sarea said.
In addition, the group said it attacked the MSC ORION, a ship it described as Israeli, in the Indian Ocean.
The Houthi spokesman reiterated the group's position that it would continue its operations in the Red Sea and Indian Ocean until Israel ceases its actions in Gaza.
The Houthis have escalated their maritime attacks since last November, targeting vessels they claim are associated with Israel in a show of support for Palestinians engaged in the conflict with Israel.
In January, the United States and Britain initiated a military operation by carrying out airstrikes on Houthi military sites. In response, the Houthis escalated their attacks on commercial and military vessels from the United States and Britain in the Red Sea and the Gulf of Aden.
In March, the group’s leader mentioned that the group had started expanding the attack area to deter Israel-associated vessels from sailing via the Indian Ocean toward the Cape of Good Hope.
Houthi targeted the Cyclades commercial vessel and two US destroyers in the waters of the Red Sea, its spokesman declared in a televised address on Tuesday.
US calls for Russia to hold talks on ending the Ukraine conflict seem detached from reality and ignore Moscow’s previous attempts to reach a settlement, Foreign Ministry spokeswoman Maria Zakharova has said.
US Secretary of State Antony Blinken insisted on Monday that Moscow’s alleged plans “to erase Ukraine from the map… failed.” He added that he hopes Russian President Vladimir Putin has taken note of Western support for Ukraine, “gets the message, and demonstrates a willingness to genuinely negotiate consistent with the basic principles… of the international community and the UN Charter: sovereignty, territorial integrity, independence.”
Responding to Blinken’s remarks later that day, Zakharova said American politicians seem to live in a “mirror world.”
She recalled that in 2014 and 2015, Russia “showed respect for international law” by promoting the now-defunct Minsk agreements, which sought to end the bloodshed in the region by giving the two Donbass republics special status within the Ukrainian state.
Moscow has claimed that Kiev and Western countries never intended to implement the deal in the first place. Former Ukrainian President Pyotr Poroshenko, ex-German Chancellor Angela Merkel, and ex-French President Francois Hollande have admitted that the primary purpose of the agreements was to help Kiev buy time to build a stronger military force.
Zakharova also noted that Moscow was ready to engage in peace talks in 2022. At the time, negotiations in Istanbul, Türkiye initially made headway, but later collapsed after what Russia claims was interference by then-UK Prime Minister Boris Johnson, who allegedly advised Kiev to keep fighting. Johnson has denied the accusation.
The spokeswoman stated that Blinken himself had proposed settling the conflict “based not on international law,” but on the ‘peace formula’ proposed by Ukrainian President Vladimir Zelensky, which demands that Russia withdraw all troops from the territory Kiev claims as its own and includes several other clauses that Moscow has rejected as unacceptable.
“Everything has gone haywire in the White House,” Zakharova said.
Moscow maintains that it is open to talks with Ukraine. However, Zelensky signed a decree in autumn 2022 barring negotiations with the current leadership in Moscow. The move came after four former Ukrainian regions voted overwhelmingly to join Russia.
Zakharova should not respond to blinken's ravings, most dignified countries know, the US, UK and the western alliance will maintain their evil mission with all their cunning, spreading slander with false information spread by western media, such as BBC, WP, INSIDERS, BLOOMBERG, etc.
The Russian Armed Forces use kamikaze drones, also known as suicide drones or loitering munitions, in their modern warfare arsenal. These unmanned aerial vehicles (UAVs) are designed to locate and destroy high-value targets, such as enemy armored vehicles, infrastructure, and troop concentrations.
The Russian Defense Ministry has released footage showing Russian servicemen from Battlegroup Tsentr operating FPV drones, destroying Ukrainian positions in the Donetsk People's Republic.
One video shows the work of drone operators in the Semyonovka area, while another shows the work of drone operators in the vicinity of Spornoye.
Footage from the cameras installed directly on the drones shows how they approach the positions of Ukrainian troops. It also shows drones hitting their targets, as recorded by UAVs nearby.
Photos: Russia Presents First US-Made M1 Abrams Tank Destroyed in Special Op Zone
In September 2023, the US confirmed that Abrams tanks had begun arriving in Ukraine. In total, the Biden administration promised to give Kiev 31 Abrams tanks.
Recently, servicemen from Russia's Battlegroup Tsentr evacuated the first US-made M1 Abrams tankfrom the front line in the Avdeyevka area in Donbass.
According to the Russian Defense Ministry, on May 1 an exhibition of captured equipment will be opened in front of the Victory Museum on Poklonnaya Hill, featuring, among others, Marder and Bradley IFVs as well as Leopard tanks for a whole month.
The Abrams is armed with a 105 mm M68A1 rifled gun or a 120 mm M256 (Rheinmetall Rh-120) smoothbore gun. Its weight is 54-66.8 tons, depending on modification and configuration.
Take a look at this captured US-made Abrams tank evacuated from the front line in Sputnik's gallery:
On March 6, the commander of a Russian military unit told Sputnik that the Russian forces had destroyed a US-made Abrams for the first time in the Avdeyevka area during a tank battle.
30 pieces of Ukraine’s Western-provided military equipment captured by Russian forces will be on display in Moscow as of May 1.
Watch US-Made M88A1 ARV Arrive at Exhibition of Captured Western Military Hardware in Moscow
The US M88A1 Hercules is a heavy recovery vehicle designed to support main battle tanks like the M1 Abrams. It is specifically engineered to recover, repair, and redeploy damaged or disabled tanks on the battlefield.
The Russian Defense Ministry has released footage showing a US-made M88A1 armored recovery vehicle (ARV) arriving at an exhibition of captured NATO weapons taken from the conflict zone.
The main purpose of the ARV is to evacuate damaged tanks from the battlefield – but it appeared to fail at evacuating itself from the front line, since the vehicle was captured by Russian forces near Avdeyevka. The exhibition of captured weapons is being organized by the Russian Ministry of Defense on Poklonnaya Hill in Moscow, and will open its doors tomorrow, May 1.
Russian Air Defenses Shot Down Six US-Made ATACMS Missiles
The Russian military shot down six Ukrainian operational-tactical US-made long-range Army Tactical Missile System (ATACMS) missiles over the previous 24 hours, the Russian Defense Ministry said on Tuesday.
"Air defense means shot down ten Ukrainian unmanned aerial vehicles, six US-made ATACMS operational-tactical missiles and two French Hammer guided aerial bombs during the day," the Defense Ministry said in a summary.
Earlier, a Pentagon spokesperson told Sputnik that US President Joe Biden quietly directed his national security team to provide the ATACMS to Ukraine as part of the security assistance package announced in March, and that these munitions arrived in April.
The United States kept the ATACMS delivery secret at the time in order to maintain Ukraine's operational security, the spokesman said
Moscow has consistently warned against Western arms deliveries to Ukraine, stressing that they only prolong the conflict and cause more Ukrainian casualties.
The flow of military support to Kiev is becoming increasingly unpopular among Western citizens, but politicians continue to scare them into acquiescence with claims that Russia intends to invade NATO member states.
Russian troops have liberated the village of Semyonovka in the Donetsk People's Republic (DPR), the Ministry of Defense announced.
"Units of the Tsentr Battlegroup, as a result of active operations, liberated the settlement of Semyonovka in the Donetsk People's Republic," the ministry said.
The liberation of Semyonovka allows Russian troops to encircle the Ukrainian Armed Forces (UAF) around the village of Berdychi. Along the Tonenkoye-Orlovka-Semyonovka-Berdychi line, Ukrainian forces attempted to establish a unified defensive line after the liberation of Avdeyevka to gain time to build stronger fortifications in the western DPR.
The Tsentr battlegroup also defeated the formations of the 68th infantry, 23rd, 115th mechanized brigades of the Ukrainian Armed Forces, the 109th Territorial Defense Brigade, and mercenaries of the "Foreign Legion" in the areas of the villages of Novoaleksandrovka, Arkhangelskoye, Tarasovka and Zavetnoye.
In one day, Russian troops repelled ten counterattacks by assault groups of the 24th, 100th mechanized, 142nd infantry, 98th assault and 68th jäger brigades, and the 78th separate airborne assault regiment in the areas of the villages of Leninskoye, Novhorodskoye, Ocheretino, Semyonovka, Novobakhmutovka, Netailovo, Novokalynovoye and Berdychi.
The Ukrainian armed forces suffered up to 395 military casualties near the settlements of Krasnohorovka and Kostyantynivka in the DPR in the past 24 hours, the Russian Defense Ministry said.
The Yug battlegroup of the Russian armed forces improved their positions along the front line, the ministry said.
"Enemy losses amounted to up to 395 military personnel, three tanks, four armored combat vehicles, two cars, a US-made M198 howitzer, a D-30 gun, as well as a Bukovel-AD electronic warfare station," the ministry said in a statement.
Meanwhile, the Vostok Battlegroup repelled two counterattacks by Ukrainian forces in the DPR, while Kiev lost up to 125 soldiers, the statement read.
Swiss Daily Speculates Russia Will Liberate Donbass ‘By October,’ Forcing Ukraine to Negotiate
As Russian forces advance steadily in the military op zone, Ukraine has been racking up battlefront failures. Facing a drastic shortage of military personnel, with growing numbers of fighting-age men dying in combat, deserting, or dodging the draft, top commander Oleksandr Syrsky recently acknowledged the “difficult” situation facing Kiev’s forces.
Swiss German-language daily Blick has speculated that Russia will liberate Donbass by October.
There is a prevailing tenor that “Ukraine will lose the war, the conflict will freeze and we will have to negotiate,” the newspaper cited an assault brigade officer hunkered down near Chasov Yar as saying.
Despite the weapons and ammunition package worth $61 billion promised by the US to Ukraine, senior officers shared pessimistic forecasts with the outlet. According to them, Kiev’s looming rout by Russia’s military can be explained by several reasons.
The Pentagon is poised to supply $1 billion in new military materiel to the Kiev regime. The package includes air defense ammo, artillery rounds, armored vehicles, and other military equipment.
Firstly, Ukraine’s military faces an acute shortage of manpower. Ukrainian brigades fighting on the nearly 1,500-kilometer-long combat line of NATO's proxy conflict are operating at 30-40% personnel strength in many places, as per the report.
“The current mobilization will not save us. Those enlisted and training now will not be with us until October at the earliest. By then we will have lost all of Donetsk,” another Ukrainian officer admitted to the publication.
Ukraine has lost almost half a million soldiers since the beginning of the special military operation in 2022, Russian Defense Minister Sergei Shoigu said earlier in April. More than 71,000 soldiers and over 11,000 units of various weapons of the Kiev regime have been wiped out since the start of the year, according to Shoigu. Per the defense minister, Russian servicemen have "dispelled the myth about the superiority of Western weapons."
In addition to a new mobilization law coming into force in Ukraine from mid-May, Poland and Lithuania have announced that they will extradite conscript-aged Ukrainian men to the country for military service. But this will not be enough, another of the neo-Nazi regime’s fighters acknowledged.
A shortage of ammunition on the front has left Ukrainian troops with little means to counter advances by the Russian military. “We can hold back the Russians... but not defeat them,” another Ukrainian officer said.
Furthermore, the appointment of Oleksandr Syrsky, who is known by the gruesome nickname "The Butcher," as head of the Ukrainian Armed Forces in February has reportedly bred “tensions” on the front. Officers have complained that brigades have been sent on missions with virtually no ammunition and far too few men
Three brigades seemingly scared of Russia's advancing forces that refused to comply with the Ukrainian command's orders were reportedly disbanded. Near Avdeyevka, chaos and lack of equipment led fighters from the 115th Brigade to abandon their position, the report revealed.
Adding to the “Ukraine fatigue” in the West, there is now a new problem for Zelensky and his clique – battle weariness on the Ukrainian eastern front. And the US $61 billion will not be enough to stamp it out, the outlet summed up.
The Ukrainian military is currently in dire straits despite all the billions' worth of Western aid funneled to Kiev. Not only are the armed forces suffering a shortage of personnel, but combat fatigue is fueling a breakdown in discipline. Multiple reports in recent weeks have revealed that Ukrainian troops have been refusing to take orders from the country’s new commander-in-chief, Oleksandr Syrsky. As for recruitment, draft dodging in the country has soared to new heights of ingenuity. Syrsky begrudgingly acknowledged earlier in April that his forces were backing down amid the “difficult” situation at the front.
Watch Russian Forces Evacuate First US-Made M1 Abrams Tank From Front Line
In September 2023, the US confirmed that Abrams tanks had begun to arrive in Ukraine. In total, the Biden administration promised to give Kiev 31 Abrams tanks.
The Russian Defense Ministry has released footage showing servicemen from Russia's Battlegroup Tsentr evacuating the first US-made M1 Abrams tank from the front line in the Avdeyevka area in Donbass.
In March, it was reported that servicemen of Battlegroup Tsentr had destroyed another Abrams tank in the Avdeyevka section of the front line. Now, fighters from Battlegroup Tsentr have successfully evacuated the tank from the front.
Soon it will be displayed at an exhibition on Poklonnaya Hill in Moscow. It will probably be of better use as a trophy exhibit than fighting on the battlefield, serving as reminder for everyone of Russia's military might and prowess.
Students gather for a Pro-Palestinian protest at the Arizona State University in Tempe, Arizona [Liliana Salgado/Reuters]
Universities across the country turned to forced removal of pro-Palestinian protests and encampments this weekend as more and more students mounted organized opposition to Israel’s handling of the war in Gaza. On Saturday, more than 275 people were taken into custody on campuses from Arizona to Massachusetts.
Police were out in full force on college campuses on Saturday, some using chemical irritants and Tasers to disperse the students, as more universities witnessed protests against the continued bombing of the Gaza Strip and seeking an end to US military assistance for Israel
In Boston, police detained about 100 people while clearing a protest camp at Northeastern University, with social media posts showing security forces in riot gear and officers loading tents onto the back of a truck.
In a statement on X, Northeastern said the area on campus where the protests were held was now “fully secured” and “all campus operations have returned to normal”.
The school said its move came after “what began as a student demonstration two days ago was infiltrated by professional organisers with no affiliation to Northeastern”. It added that detained individuals who produced a valid school ID were released and will face disciplinary proceedings, not legal action.
Northeastern claimed that “Kill the Jews” was heared at the protests, using the chants to justify the crackdown on demonstrators by security forces.
However, members of the pro-Palestinian protest movement at the university pushed back on those claims, and video posted from the site appears to show people holding Israeli flags using the slur, in an apparent attempt to antagonise pro-Palestinian demonstrators.
BREAKING: Working Mass can confirm that the antisemitic chants were shouted not by encampment organizers, but by pro-Israel counter-supporters. We are waiting on a response from Northeastern about their decision to arrest their own students in light of this new information. pic.twitter.com/Kuq6ryxqly
In Bloomington in the Midwest, the Indiana University Police Department arrested 23 people as they cleared a campus protest camp, the Indiana Daily Student newspaper reported.
On the opposite side of the country, the Arizona State University Police Department arrested 69 people for trespassing after the group set up an “unauthorised encampment” on campus.
Arizona state officials said a protest group, “most of whom were not ASU students, faculty or staff”, set up a camp on Friday and ignored repeated orders to disperse.
Pro-Palestinian protesters were arrested on trespassing charges at the University of Southern California
Meanwhile, at Washington University in St Louis, at least 80 people were arrested, including US presidential candidate Jill Stein and her campaign manager.
Across the US, university leaders have tried, and largely failed, to quell the demonstrations, which often saw the police intervening violently, with videos emerging from different states showing hundreds of students – and even faculty members – being forcefully arrested.
The protesters have demanded amnesty for students and faculty members disciplined or fired for protesting. About a week ago at Columbia University in New York, more than 100 pro-Palestinian activists were arrested.
What started at the Columbia campus has turned into a nationwide showdown between students and administrators over pro-Palestine protests and the restrictions on free speech.
In the past 10 days, hundreds of students have been arrested, suspended, put on probation and, in rare cases, expelled from colleges, including Yale University, the University of Southern California, Vanderbilt University and the University of Minnesota.
A few universities had to cancel graduation ceremonies, while others have seen their buildings occupied by the protesters.
Students taking ‘big risks’
Al Jazeera’s John Hendren, reporting from Princeton University in New Jersey, said “the price of protests can be high” for the students occupying college campuses.
“Students are taking some big risks at these protests. If they violate university rules, they can be expelled. And here at Princeton, tuition is over $50,000 a year,” he said. “For many of them, it’s an education they have been looking forward to all their lives.”
Momodou Taal was among four students whom Cornell University in New York state “temporarily suspended” on Saturday for setting up an encampment on its campus.
He told Al Jazeera the protesting students received threats and were subjected to doxing, which refers to the posting of the personal information of an individual on the internet without their consent. He said such students received no protection from their school.
“We no longer have faith in the administration to be a place safe for Muslim students, for Arab students, for Palestinian students and by and large those students of colour and pro-Palestinian students,” Taal said.
Maysam Elghazali, an organiser of the protests at Emory University in Atlanta, said the demonstrating students had three demands.
“Number one, that Emory disclose all of its financial investments. Number two, that they divest from all Israeli companies, and number three, that they provide continued amnesty and protection to all the students who were unjustly arrested,” she told Al Jazeera.
Meanwhile, college protests against the “genocide” of the Palestinians in Gaza have also spread to schools in Canada, Europe and Australia.
Canada’s first campus protest camp for Gaza came up at McGill University in Montreal on Saturday.
Broadcaster CBC reported protesters were demanding McGill and Concordia universities “divest from funds implicated in the Zionist state as well as [cut] ties with Zionist academic institutions”.
