The “Buy now, pay later” schemes are booming. Are they really as risk-free as they appear, though, with more and more people using them?
Published On 28 Nov 2025

The “Buy now, pay later” schemes are booming. Are they really as risk-free as they appear, though, with more and more people using them?
Published On 28 Nov 2025

East Timor – Lospalos has a quiet afternoon.
Just the clucking of chickens, the grunt of a pig and in the distance, a transistor radio playing Portuguese reggaeton, a typical small-town soundtrack in this country of 1.4 million people situated in the Timor Sea between Indonesia and Australia’s northern territories.
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Berta dos Santos recalled the brutal attack on Lospalos’s tranquility in December 1975 in her home’s living room.
“They came down by parachute and started shooting”, dos Santos told Al Jazeera, recounting the attack on the rural town located some 210km (130 miles) east of the capital, Dili.
Dos Santos was a young girl, but she and other people hid in the nearby mountains. The invading Indonesian forces were determined to find them – especially the women and girls.
She recalled how Indonesian soldiers brutally raped her when she was just nine years old and how the army searched for her in the bush, captured her, and then took us back.
Her mother, Helena, was dragged away and forced into sexual slavery.
Dos Santos, her mother, and many others were just the start of Indonesia’s brutal 24-year occupation of East Timor, which was also marked by the crimes committed in Lospalos.
What followed was violent military rule typified by massacres and the forced starvation of civilians, sexual violence and the torture, imprisonment and execution of those who resisted Indonesia’s occupation.
More than 300 years ago, East Timor was a Portuguese colony in Southeast Asia.
A coup in 1974 backed by left-wing forces in Lisbon was the impetus that started Portugal’s process of decolonisation and retreat from its overseas territories, with East Timor declaring independence on November 28, 1975. The Timorese would only be able to celebrate their freedom briefly.
Under the pretext of fighting communism and backed by the United States, neighbouring Indonesia invaded the tiny half-island just over a week after independence was declared, Jakarta’s forces quickly captured East Timor’s capital, Dili, on December 7.
Some of East Timorese’s emerging leaders, like the current president Jose Ramos-Horta, fled when the invasion occurred, and would continue to campaign abroad for years while keeping the world’s attention on the plight of the Timorese people.
Others fled into the mountainous jungles to embark on a decades-long armed resistance.
Major-General Americo Ximenes, also known as Sabika Besi Kulit, who translated as “Metal Skin,” was one of them.
Ximenes now lives on the outskirts of Dili in a house provided through a veterans ‘ pension. He is rarely seen in public and, after years of military action, has always viewed him as a national hero in East Timor.

The 72-year-old was originally part of East Timor’s Portuguese-run armed forces before independence. He joined the resistance after Indonesia’s invasion in 1975 and fought alongside the Indonesians for almost 25 years as a leader in FALINTIL (the Armed Forces for the National Liberation of East Timor).
Isolated from any outside assistance in the mountainous and jungle interior, and faced with the firepower of the US-backed Indonesian army, Ximenes said it was a struggle just to keep resisting.
He remarked that “we had to find our own weapons to fight, even to get food,” describing how FALINTIL fighters relied on Indonesian soldiers’ bodies when they were in battle.
“If you have 10 or 20 guns, you’ve got to figure out how to use the guns to capture more guns”, he said, describing how fighters in his platoon would run to pick up not only weapons but “boots, food, ammunition and clothing” from slain Indonesian soldiers.
He kills his target as he shoots. There’s another soldier behind him without guns. He claims that he is the one who runs away with the equipment as soon as he shoots.
“All this action would take only two or three minutes. One kill is made of every shot and bullet. And by the three minutes, there will be a ceasefire, and we will collect what we need to collect and disappear”, he said.
Due to his ability to survive numerous encounters with Indonesian forces, “Metal Skin,” as he was known at the time, would not see his family for 24 years. He told Al Jazeera how the 1980s were a particularly difficult decade, when there was no international media attention and East Timor had no contact with the outside world.
The political party’s political leadership, which included FALINTIL, would only send one letter a year to him and his fighters alone in the jungle.
It was during the 1980s that much of East Timor’s civilian population was forcibly displaced and starved, an estimated 200, 000 people died, almost a third of the population, in what is widely considered a genocide.

Based in the mountains, Ximenes told how he and his fighters would hear of atrocities perpetrated against civilians, especially those inflicted against local women. The revolts resisted many in FALINTIL, including the civilian villagers who relyed on the resistance for food, supplies, and information about Indonesian troop movements, rather than instill fear.
“More villagers were willing to help us because of the atrocities against women”, he said. Despite the murder and torture, “more Timorese villagers would like to support us, protect us, feed us, and share information”” were reported.
After more than two decades of occupation and armed resistance, political advocacy by supporters abroad, and under pressure from the international community, the Indonesian government eventually agreed to hold a referendum to determine the first steps towards East Timor’s independence.
In 1999, a national vote was held under the auspices of the UN, and despite widespread hostilities and intimidation from the Indonesian army and local armed groups, 78.5% of East Timores voters cast ballots in favor of independence.
By 2002, the long and bloody road to nationhood was complete.
Although East Timor finally gained its independence, Indonesia’s occupation continues to have a profound impact on society.
Kristina Siti was not a typical child growing up in Lospalos.
She was teased mercilessly by other children and shunned by adults because of her origins.
They viewed me as an unmarried child, an Indonesian child, and a child without a father. Some neighbours and even relatives wouldn’t let their children play with me”, Siti said.
Siti’s father served in the Indonesian army. Siti’s mother had been forced into a relationship with the soldier in order to protect her brothers, who had fled to the jungle to join the resistance.
The now 43-year-old woman told Al Jazeera, “My mother was forced to marry an Indonesian army commander to protect her family.”
“When I was two years old, my father left East Timor and went back to Indonesia. She said, “We never heard from him again, and he never came back.”
Siti’s mother would later marry a local Timorese man, yet the horror continued. At just two weeks old, Siti described the forced adoption of a half-sister from her mother’s second marriage by an Indonesian soldier.
“My mother suffered a lot during the occupation. She was resilient, Siti said, but she also suffered during that difficult time.
“There are several women who suffered the same fate as my mother”, she said.
“And they also have children my age, some younger than me, and some older.” In almost every village, there are women who fell victim to the Indonesian occupation for various reasons”, she added.

The exact number of women who were subjected to sexual and other forms of violence under Indonesian occupation remains unknown, and few of the Indonesian soldiers and commanders who committed human rights abuses during the occupation have ever been brought to justice.
No one from Timor has ever fought alongside them, leading armed groups to terrorize their own citizens and destroying the nation before escaping to West Timor following the 1999 referendum that eventually led to its independence.
Hugo Fernandes, the director of the Commission for Reception, Truth and Reconciliation (known by the Portuguese acronym CAVR), described East Timor in 1999 after the rampages by Indonesia’s local collaborators as the nation’s “Year Zero”.
“People were still mourning the victims of the infrastructure fires that nearly 90 percent of the country had destroyed. A lot of mass atrocities happened”, he said.
A 2, 500-page report on the human rights violations committed during the occupation was released in 2005 by CAVR. While the truth and reconciliation process brought a form of healing for many, Fernandes told Al Jazeera that one of the key unresolved aspects of the decades-long occupation remains bringing perpetrators to justice.

While some people “still demand justice,” while Ramos-Horta, the country’s current president, and Xanana Gusmao, its prime minister, “definitely prefer to talk about reconciliation.”
Even efforts within Indonesia to bring perpetrators to justice for crimes in East Timor have been stymied by a “lack of political will” and the fact that some perpetrators are considered “national heroes” among Indonesians, according to Human Rights Watch.
18 people were brought before an “ad hoc” court in Indonesia in 2001 to investigate human rights violations in East Timor, and only one conviction was made: that of Eurico Guterres, a pro-Indonesian militia leader.
But demands for justice have reached the highest level of the Indonesian government, including the current President Prabowo Subianto. Subianto, a former Kopassus special forces commander in East Timor, is the subject of allegations of severe human rights violations.
Subianto has strenuously denied his involvement in such abuses, including a massacre in 1983 that led to an area in East Timor being referred to as “Valley of Widows” after more than 200 local men were killed there.
Fernandes claimed for Al Jazeera that the current East Timor government prioritizes maintaining a positive relationship with Indonesia despite the country’s history of violence.
“A good relationship with Indonesia is important, more important than anything”, Fernandes said.
Jakarta recently supported Dili’s successful application for membership in the Association of Southeast Asian Nations (ASEAN), which is Indonesia’s most significant trading partner.
![An abandoned United Nations vehicle in the town of Lospalos, East Timor. The United Nations Transitional Administration in East Timor (UNTAET) operated from October 1999 to May 2002, with a mandate to administer the country, maintain security, provide humanitarian assistance, help with institution-building, and oversee the transition to full independence [Ali MC/Al Jazeera]](https://i0.wp.com/www.aljazeera.com/wp-content/uploads/2025/11/ET-Past-Ali-MC-6-1763621557.jpg?w=696&ssl=1)
For those with still vivid memories of Indonesian rule, differing views on justice prevail.
Kristina Siti claimed to not be seeking justice for what transpired during the occupation.
“What our family experienced was only a small part of the consequences of the war”, she said.
She told Al Jazeera, “Many people suffered far more than I did.”
“Some died in the war, some were separated from their wives and children, some had their children taken to Indonesia, and some disappeared without a trace”, she said.
Justice must begin at home, according to Major-General Ximenes.
He told Al Jazeera that he was deeply disappointed with the direction his country has taken and condemned politicians who “steal from the people”.
He said that only those who have fought in the jungle have empathy for one another.
While Berta Dos Santos suffered more than most at the hands of Indonesian troops while still a very young girl, she said justice involves “healing and reconciliation”.
Dos Santos remarked, “I have long ago let go of my pain, anger, resentment, and bitterness.”
“The joy that independence has brought is worth more than my pain and anger and bitterness”, she added.


Published On 28 Nov 2025
Two days before Honduras’ vote, Trump announced that he would support conservative National Party candidate Nasry “Tito” Asfura.
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Hernandez served as president from 2014 to 2022, the party’s final successful presidential candidate. He was extradited from Honduras on suspicion of drug trafficking and served a 45-year sentence in the US last year.
Trump claimed that Hernandez has been “treated very harshly and unfairly” in a Truth Social post. He cited “many people that I a great fan of.”
Trump once more pledged his support for Asfura, who faces four opponents in the scandal-hit race. There is still no known clear winner.
He added that Asfura’s loss would cause the nation’s estimated 11 million people to lose, a similar threat he made in support of Javier Milei before Argentina’s election for president in October.
A wrong leader can only cause catastrophic outcomes for a nation, regardless of the country, according to Trump, “because the United States will not be throwing good money after bad money after bad money.”
Former US presidents Salvador Nasralla of the centre-right Liberal Party and Rixi Moncada, the candidate for Xiomara Castro’s left-leaning LIBRE party, have previously been accused of supporting Venezuelan President Nicolas Maduro by the US president and several prominent right-wing figures.
The accusations, which come as Trump continues to exert pressure on Maduro, have been refuted by both candidates. That included launching potential land operations and sending US military assets there with surges.
Trump’s statements contrast in stark contrast with his administration’s commitments to stop drug cartels and stop narcotic trafficking into the US, according to Trump’s pardon.
Among those initiatives were the designation of several cartels as “foreign terrorist organizations” and the launching of strikes against alleged drug smugglers in international waters. According to rights organizations, the attacks likely violate both domestic and international law because they equate to extrajudicial killings.
Hernandez was charged with conspiring with powerful cartels to smuggle more than 400 tonnes of cocaine into the US during his trial. That included connections to the Sinaloa cartel, one of the criminal organizations that the Trump administration has labeled “terrorists” in Mexico.
Hernandez allegedly benefited from cartel bribes worth millions of dollars to advance his political ambitions.

Following Germany, France makes new military plans.
In response to rising tensions with Russia, France says it will re-enlist in a military service.
Germany announced a few weeks ago that it would evaluate young people’s suitability for military service.
The invasion of Ukraine by Russia has forced European nations to reevaluate their defense. Could conscription then be reinstated?
Presenter: Dareen Abughaida
Guests:
Senior research fellow in European affairs, Jacques Reland
Paul Beaver – Former soldier and analyst for the defense
Published On 28 Nov 2025

A human rights organization warns that the Israeli military is continuing to carry out extensive, deadly raids on the territory, forcing entire Palestinian communities into lockdown in some areas of the occupied West Bank.
Due to the Israeli military’s fear of violence, which the organization, which launched an intensified operation earlier this week, led to the release of a report from Save the Children on Friday.
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The child rights organization claimed that the lockdowns “keep kids out of school, put families at risk, and increase the risk of physical violence and child detention from the Israeli military.”
Beginning on Wednesday, Israeli troops began a series of significant raids in other cities and towns in the occupied West Bank, including Jenin, and placed a large portion of the northeastern Tubas governorate under Israeli control.
Since the raids began, Israeli forces have inflicted dozens of injuries in the Tubas area, according to a report released Friday by the Palestinian news agency Wafa.
Residents claim that the military has launched arbitrary attacks against civilians, blocked journalists and ambulances, and damaged infrastructure as a result of Israel’s claim that the operation is aimed at eradicating Palestinian armed groups.
A video of two unarmed Palestinian men being killed by Israeli forces in Jenin on Thursday, which was filmed, has also received widespread condemnation.
In the wake of Israel’s genocidal war against Palestinians in the nearby Gaza Strip, which has claimed the lives of nearly 70, 000 Palestinians since October 2023, there has been a rise in Israeli military and settler violence in the occupied West Bank.
Since Israel’s occupation of Gaza began, more than 1, 000 Palestinians have been killed by Israeli army and settler attacks in the West Bank, according to the UN.
Since January, about 32, 000 residents of several refugee camps have been forced out of their homes and prevented by Israel from returning, making the northern West Bank particularly hit.
In what rights organizations and UN officials have described as a campaign to forcefully relocate Palestinians, the Israeli military has also engaged in extensive home demolitions.
The raids in the Tubas governorate, according to Ameer, who works for a West Bank-based Save the Children organization, are “a systematic assault by Israeli forces and a continuation of the Israeli government’s collective punishment policy.”
“The operation is preventing children from receiving essential services and supplies, including education and health care,” the operation claims. Every child in these regions is denied access to education, according to Ameer in a statement.
Despite a US-brokered ceasefire with Hamas that was signed last month, Israel has continued to attack Gaza.
A Palestinian was killed in Bani Suheila, a town east of Khan Younis, in an Israeli drone attack that was reported on Friday, along with several other Israeli attacks in southern Gaza’s Khan Younis and Rafah, according to a local medical report.
According to the most recent information from the enclave’s Ministry of Health, at least 347 Palestinians have been killed since the truce started on October 10.
The director of the government media office in Gaza, Ismail al-Thawabta, also reported on Friday that 535 Israeli violations had been documented since the ceasefire began.
Al-Thawabta claimed in a statement posted on Telegram that aid flow into the war-torn region is still significantly below what was agreed upon during the truce.
Only 35 percent of the nearly 28, 000 requested have been allowed by the Israeli occupation, making aid a tool of war instead of a legal or humanitarian obligation, he claimed.

Jose Jeri, president of Peru, declared a state of emergency on the border with Chile on social media, raising questions about a humanitarian crisis.
Just two weeks before a run-off in Chile will be held, Jeri’s statement on Friday comes just before it.
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In the event that he defeats leftist Jeannette Jara on December 14, the leader of far-right candidate Jose Antonio Kast will face off against Jara. He has pledged to detain and expel immigrants who are without documentation from Chile.
In response to the campaign pledges, Venezuelans who have long sought opportunity in Chile despite domestic economic difficulties have increased.
Jeri is a far-right figurehead for himself. He took Dina Boluarte’s place in October as Peru’s Congress’s head in the absence of her impeached predecessor.
In a brief post on the social media platform X, he confirmed media speculation about the state of emergency.
To prevent migrants from entering without authorization, Jeri wrote, “We ARE going to declare a state of emergency at the border with Chile.”
He added that Peru’s estimated 34 million people could be harmed by the influx due to “the public safety of the country.”
According to Peruvian police general Arturo Valverde, at least 100 people were attempting to enter the country on Friday, according to local news agency Canal N.
Images of families attempting to cross the border from Chile have been broadcast for days in Peruvian media.
Before the country’s December 14 election, Kast issued a campaign video warning undocumented people to leave the country shortly after.
The right-wing leader in charge of Chile, Gabriel Boric, is currently only allowed to run for president for four years at once under the terms of office.
On March 11, 2026, the new president will formally sworn in. Going into the December election, Kast is regarded as the front-runner.
In his campaign video, Kast stated, “You have 111 days to leave Chile voluntarily.
“We will detain you, detain you, and expel you if not.” You’ll leave with only your belongings on your back.
Jeri, the president of Peru, also made a statement earlier this week that he would send troops to the area’s border.
In Chile, it is estimated that there are 330 000 undocumented people. How many people had recently entered Peru was unknown at the time.
The Chilean minister of security, Luis Cordero, criticized Kast’s campaign tactics, saying that “rhetoric occasionally has consequences.”
He argued that “people cannot be used to stir up controversy during elections.”