Kalau dah tersilap langkah, boleh makan diri. Banyak benda kita boleh belajar daripada cerita Arif Peter ni. Yang penting, hutang berapa banyak pun, tetap kena selesaikan okay. Jom dengar full video sekarang.
Gempak Most Wanted
️ Setiap Isnin hingga Jumaat
⏰ 11 malam
Astro Ria dan Astro GO
Undi calon fav di gempak.com/gempakmostwanted
#MotifTrending
#GempakMostWanted
#GempakMostWanted2023
#GempakMostWantedShow
#AstroBaharu
#TakMacamDulu
Gempak Most Wanted
️ Setiap Isnin hingga Jumaat
⏰ 11 malam
Astro Ria dan Astro GO
Undi calon fav di gempak.com/gempakmostwanted
#MotifTrending
#GempakMostWanted
#GempakMostWanted2023
#GempakMostWantedShow
#AstroBaharu
#TakMacamDulu
Category
📺
TVTranscript
00:00 I had gone through 3-4 difficult months because my family left me.
00:06 I didn't know where to go at that time.
00:08 Because after this, things happen, everything just slipped out of my hands.
00:11 What would you do if you were in front of a debt?
00:19 Run away or deal with it?
00:22 Today, I'm with Arif Peter.
00:25 Arif was once in a car accident after an investment scam.
00:31 Terima kasih sekali lagi, Arif. - Terima kasih.
00:34 Terima kasih kerana berada bersama kami. - Terima kasih juga.
00:37 After I read your story, I have so many questions for you.
00:43 But to make it easier for everyone at home to understand what happened...
00:47 ...let's start from the beginning.
00:49 Before this happened to you, how was your life?
00:54 After I graduated my Master's degree in Marketing in KL...
00:59 ...I had a company for cleaning.
01:08 I had a lot of service companies before this.
01:12 My father had an investment company from China.
01:16 It was a so-called investment company that came to Malaysia.
01:20 My father approached me to be the face of the company...
01:25 ...for the Malay and Bumi Putra market.
01:27 It's hard for a company from mainland China...
01:32 ...to penetrate the Malay and Bumi Putra market.
01:35 If there's no one... - It's a proxy.
01:39 What happened? You became the conveyor of this message.
01:47 You were the marketer to encourage people to invest in this.
01:51 What happened to the investment?
01:53 After the global crypto crash...
02:01 Terrible crypto crash.
02:03 I had to correct some things in the media.
02:08 Forex and other things.
02:11 I was the owner of the company.
02:15 I was told that I would be the provider.
02:17 I told them that.
02:18 You were the one who conveyed the message.
02:20 Every time I gave a talk or a meeting on Google Meet...
02:27 ...I told them that.
02:28 People expected that if anything bad happened...
02:33 ...the capital would be returned.
02:36 I was unaware of the contract.
02:41 The contract said that all risks would be covered by the investors.
02:46 That was my mistake.
02:50 Some people say that it's an expensive experience.
02:54 That was my experience.
02:57 What I saw was that...
03:00 ...as far as I know, everyone who invests...
03:04 ...doesn't care about Bitcoin, Ethereum or other coins.
03:09 After the crypto crash, everyone lost their money.
03:14 Why do you feel responsible?
03:18 I think it's very impressive.
03:20 You chose to take full responsibility...
03:26 ...because you feel guilty about what happened.
03:29 Even though it wasn't your fault.
03:31 You're right.
03:33 I believe in this.
03:36 I may not seem religious.
03:39 People can judge me.
03:43 But I believe in this.
03:45 I can run away from problems.
03:47 As far as I can run away from problems in this world.
03:50 Do you understand?
03:52 How far I can go.
03:53 At a time.
03:54 I don't have to pay anything.
03:56 Because I already have a contract.
03:58 But when I told them that I have to pay...
04:03 ...or the company will take responsibility...
04:06 ...for the loss of capital.
04:09 The early capital.
04:11 I had to pay back.
04:14 Because I felt...
04:16 I don't want to be a person who doesn't keep his word.
04:22 I think you have a strong principle.
04:25 You told them that you want to take responsibility.
04:31 Which I think is...
04:33 ...for me as an artist...
04:37 ...a strong principle is rare.
04:41 It's not.
04:43 I'm just saying this because of my mother.
04:46 I'm sad.
04:49 Everyone loses their money.
04:52 I'm sorry to say this but I have to say this.
04:55 I don't want to say it but I have to.
04:59 We're not ready to invest in this industry.
05:03 The majority of people are not ready to lose their money.
05:07 Because they're saving their lifetime.
05:10 I understand that.
05:11 Sometimes, it's tiring to earn money.
05:12 Some people use their salary to join the company.
05:15 Because they hear that anything happens...
05:17 ...the worst case scenario is that they'll get their capital back.
05:21 So, it's okay.
05:23 It's not easy to earn money.
05:27 Especially now, after the pandemic.
05:31 Everyone is struggling.
05:32 So, I don't want to think about it.
05:36 Maybe this is a sensitive issue.
05:38 If you don't want to answer, it's fine.
05:40 Did you ask for help from your family members...
05:43 ...who are also involved in this situation...
05:47 ...to take responsibility?
05:50 How did it go?
05:51 I have to be honest.
05:54 Everyone has their own commitment.
05:57 I was tired of reaching out.
05:59 Before this, I reached out to as many people as I could.
06:04 But after this post-pandemic and global economic crisis...
06:10 ...everyone is not selfish.
06:13 I think it's good.
06:15 They prioritise themselves instead of others.
06:17 Which is good.
06:19 There's a good perspective.
06:21 Everyone is not...
06:23 ...cash-flow is beautiful now.
06:25 I understand.
06:26 I realised that I should stop asking people.
06:30 Because people ask God for help.
06:33 So, why not ask God directly?
06:35 I felt like...
06:39 ...I didn't give up.
06:41 I asked people.
06:43 They asked God for help.
06:46 Why should I ask them?
06:49 That thought came to me.
06:52 I thought, "Is this it?"
06:54 Everyone is stressed financially.
06:56 Especially after the pandemic.
06:59 What you did was...
07:02 ...you were a successful entrepreneur.
07:05 And you chose to live in your own car.
07:10 If we look at it from a lifestyle perspective...
07:14 ...it's a big change for everyone.
07:19 What was the thought process at that time?
07:23 Did you want to settle the debt as soon as possible?
07:26 Did you want to take the least expenses option per month...
07:30 ...so that you can pay it back?
07:33 Let me be honest.
07:35 I went through a difficult period for three to four months.
07:39 My family left.
07:42 I didn't know where to go.
07:44 After this, everything was out of control.
07:47 The staff left too.
07:49 I didn't supervise.
07:52 It was hard to be a leader.
07:54 Because I was in charge of the company.
07:59 So, I put the mistakes...
08:04 ...on myself.
08:07 For me, the initial things...
08:13 ...in the first phase...
08:15 ...it was kind of sad.
08:18 I thought about it again when I was about to finish.
08:22 But I couldn't do it.
08:24 When God gave us the chance to wake up in the morning...
08:29 ...it's like God wants us to improve.
08:31 Improve to be better than the other day.
08:35 So, last year...
08:37 ...God gave us the chance to wake up.
08:39 I thought about it again.
08:41 I believe God gave me the chance to wake up.
08:43 I was depressed.
08:47 I was sad and disappointed.
08:49 I couldn't even pay them back.
08:52 I couldn't even make them less angry.
08:57 At that time, I was really low.
09:03 I could've been a head of marketing.
09:06 I could've been a rich man.
09:09 I could've chosen a lavish lifestyle.
09:11 With all the commission I got.
09:14 But I chose to pay it all back.
09:17 I didn't want to have problems in this world.
09:19 I didn't know how old I was.
09:21 I had problems in the past.
09:22 I didn't want to have long-term problems.
09:24 I wanted to settle down.
09:26 I wanted to live and run.
09:28 I didn't want to be happy because of other people's problems.
09:33 It's not true.
09:35 But there's one more thing I noticed about you.
09:38 You're very hardworking.
09:42 You don't rest.
09:46 I read an article about you.
09:48 You did three or four jobs at the same time.
09:51 I realized that the bigger the debt I have to pay...
09:59 ...the bigger the effort I have to put in.
10:02 Maybe God gave you a chance because He thinks you can handle it.
10:06 Yes, I can.
10:08 But I don't think I can handle other people's problems.
10:12 I can't handle my own problems.
10:14 I can't handle my own problems.
10:17 You've received many offers to help you pay off your debt.
10:21 But I noticed that you've never accepted any offers...
10:26 ...from people who want to help you financially.
10:32 I have a lot of worries.
10:35 I do real estate while I'm struggling to buy a car.
10:40 It's ironic.
10:42 I do real estate while I'm struggling to buy a car.
10:45 I've saved up all the commission to buy a house.
10:48 I think I can handle it.
10:51 I don't want to make excuses.
10:54 A lot of people have a harder time than me.
10:56 We shouldn't look up.
10:58 We shouldn't look down.
11:00 A lot of people want to change their lives.
11:03 I'm grateful.
11:05 I want to give to other people.
11:08 A lot of people have a harder time than me.
11:10 I can look up. God will give me a chance.
11:12 I have faith in God.
11:14 I think a lot of people know about your story...
11:16 ...because you made a video that went viral.
11:19 And it's been a few videos that you've released.
11:22 What made you interested in sharing your journey on social media?
11:30 It's not that long ago.
11:33 I didn't record it as early as this.
11:35 I had a job.
11:38 I feel like I just miss my family.
11:42 I don't see social media as entertainment.
11:47 You get what you expect.
11:51 I see social media as a way to spread our message abroad.
11:57 I hope my family will see this...
12:00 ...and come back to Malaysia.
12:03 Everything will be settled.
12:05 I have to buy a house for them.
12:07 I want to ask you about your status.
12:11 Can I ask this question?
12:12 You've repaid your debt.
12:14 You said you had $1.2 million.
12:17 That's an incredible amount of money for a newbie.
12:20 Can I ask you about your status?
12:24 I've repaid all of it.
12:26 You've repaid it? - Yes.
12:28 Congratulations. - Praise be to Allah.
12:31 There are many questions.
12:33 But I have to say this.
12:35 We shouldn't doubt God.
12:39 I always tell people...
12:42 ...that if you don't succeed, God will give you and everyone else...
12:47 ...the same 24 hours.
12:49 We'll be stuck if we don't use that time.
12:53 I want to say something personal.
12:55 I read your comments on TikTok.
12:57 From what I've seen, you've not only repaid your debt...
13:03 ...but you've chosen the path that you like the most.
13:08 But you chose the path that is full of principles.
13:11 I think that shows your character.
13:15 It's very clear.
13:17 It's very incredible.
13:19 We have a good networking.
13:21 And the networking will be...
13:23 ...the people we network with will be more confident with us.
13:28 Because they know you're responsible.
13:30 Which is not easy to find.
13:33 I heard that you've received an offer from another country...
13:39 ...to make a movie about your story.
13:42 Is this something that you're interested in doing?
13:46 We're in the process of choosing the actors.
13:50 I'm hoping that...
13:52 ...they can be directors from Hong Kong.
13:54 Mr. Jeffrey Chang.
13:56 He made a movie about Andy Lau.
13:59 And there are many other famous actors in Hong Kong.
14:02 So, I feel like...
14:04 ...it's beyond my expectation.
14:07 I just expect to meet my family.
14:09 To promote my service at that time.
14:12 I don't expect anything else.
14:14 So, I made a book.
14:16 How Marketing Saves Me From...
14:19 I made a business book about my biography.
14:25 About my life in the past two years.
14:27 Really? Is it out?
14:28 No, it's in the manuscript.
14:30 I can't wait to read it.
14:33 I'll buy it.
14:34 So, I made a book.
14:35 How Marketing Saves My Life From Poverty And Debt.
14:39 I'm just sharing it with Malaysians.
14:44 Are you still living in a car?
14:47 I have a house now.
14:51 I save all my money from my in-laws.
14:53 I make all the commissions for mortgages.
14:56 I have a company called Syariah Trust.
15:01 I save all the commissions.
15:04 I accumulate them.
15:07 I use some of the money...
15:12 I pay off my debts.
15:14 I use it to improve my life.
15:17 I get my money back.
15:19 But, it's okay.
15:20 I don't feel like I'm living a bad life.
15:23 I just create a new life.
15:26 It's simple.
15:28 Don't copy and paste.
15:29 I guess my question for you next is...
15:30 What's your next plan?
15:32 In your business and life after this.
15:35 What are you going to do next?
15:37 Next, I'll do my OST for a film.
15:40 Awesome.
15:41 I'll do a roadtrip around Malaysia.
15:44 I'll work with government agencies and NGOs.
15:48 I'll go to Suriname to save people.
15:51 I'll raise awareness about scams.
15:54 I'll help B40 to build a class.
15:57 I'll help B40 to do business.
16:00 I'll help them to fully utilize the technology.
16:04 I'll give talks at universities.
16:10 It's beyond my expectation.
16:12 I just wanted to promote my service.
16:16 I just wanted to find my family.
16:18 I didn't expect more than this.
16:21 I work seven days a week.
16:24 I think God will give you what you deserve.
16:30 Maybe, it's a recognition of how much you've sacrificed.
16:39 The most important thing I believe in is...
16:41 ...even if we don't pray, God will give us blessings.
16:45 If we pray and work hard, God will give us blessings.
16:50 When we work hard, constantly...
16:55 ...we'll be convinced of God's plan.
16:59 Why do people always complain about their problems?
17:03 It's all about mentality.
17:06 For me, there's no poor people.
17:09 It's just a poor mindset.
17:10 Before we end the interview, I have a question.
17:13 Do you have any words for the people out there...
17:16 ...who support you and give you encouragement?
17:21 Thank you to everyone in Malaysia for your prayers.
17:25 I'm sorry. I don't want to take money or food.
17:29 I just want to pray.
17:32 I think money will run out eventually.
17:36 But, I believe in prayers.
17:40 So, keep faith in God.
17:44 Keep faith in God.
17:47 You don't have to take a risky decision.
17:56 We have inflation and PR.
17:58 It's uncertain.
17:59 So, save your money.
18:01 Spend wisely.
18:03 Do a low-risk investment.
18:06 And keep working hard.
18:10 When we work hard, we'll be convinced of God's plan.
18:16 Thank you very much. I really appreciate it.
18:19 Thank you.
18:20 Thank you.
18:22 I'm sorry. I don't have any words for the people out there...
18:26 ...who support you and give you encouragement?
18:29 Thank you to everyone in Malaysia for your prayers.
18:32 I'm sorry. I don't have any words for the people out there...