Because Corruption, bribing or any other illegal activity usually using cash in their transaction, the challenge of someone that has money illegally is to SPREAD that dirty money. One of modus operandi of money laundering can be to separate all money from illegal activity into several assets. Some perpetrator can buy houses, bonds and specifically for multifinance industry we usually see they buy Cars with that money.

But they should be really careful of the suspicion of government when they buy very much assets in very little time. They will be suspected to have illegal money when they are known as, let’s say, government officials who usually can't even buy cars more than one in one time.

So how's the game? They can buy several cars using other's name, usually their family. And they will pay off their loan ahead of their schedule, way ahead. They will pay 2 or even 3 times bigger than monthly installment so that the installment will be paid sooner, the cars finally belong to them AND the dirty money has been spread safely.

How to prevent it? Financial fervices authority (OJK) prevent it by make regulation to all multifinance company to report all suspicion customer that pay their loan ahead of their schedule. If all multifinance company has reported the suspicious transaction, OJK can see the trend of the suspicious account in big picture. How the trends of one’s account in other multifinance company so OJK can decide whether the account is really doing money laundering or suddenly just has big money from inheritance.